Kohl's operates 1,100 department stores across 49 states and ensures a seamless shopping experience through its app. They provide a Kohl's credit card, issued by Capital One, tailored for frequent shoppers.
This card offers discounts and the opportunity to become a Most Valued Customer after you spend $600 a year.
Follow the straightforward application steps to get this card and start enjoying its benefits.
Kohl's Card Fee
The Kohl's Card comes without an annual fee. However, you should be aware of late payment and returned payment fees, which can be as high as $37.
The interest rates are tied to the prime rate. If you miss making the minimum payment by the due date and time, a penalty APR will apply.
Kohl’s Card Amazing Benefits
Holding a Kohl’s card, you access to have multiple perks designed to enhance your shopping experience. Here’s what you gain:
- Receive a 25% discount on your initial purchase using Kohl’s charge.
- Benefit from at least 12 special promotions annually, which include promo codes and coupons specifically for Kohl’s.
- Enjoy a 15% off coupon that comes with your card in the mail.
- Achieve Most Valued Customer status by spending $600 within a year, unlocking six extra offers each year, potentially covering free shipping and additional discount codes.
- Manage your account effortlessly online for bill payments.
- Store your Kohl’s card digitally in the Kohl’s app for swift and easy in-store or online purchases.
Guide on How to Apply Online
Usually, Kohl's online application consists of 5 steps.
- Website visit
- Disclosure
- Fill Out for Personal Information
- Terms and Condition
- Approval Duration
1. Website Visit
You can start your application by going directly to Kohl's website. To find the URL, search for "Kohl's card" online.
- The application process is quick. Approval usually takes about one minute after you submit your application.
- While shopping on Kohls.com, you might see a pop-up indicating you are pre-qualified for a Kohls cc charge card. Click "Apply Now" if this happens. Note that pre-qualification doesn't guarantee approval.
2. Electronic Disclosure
Before beginning your application, you must consent to electronic disclosures.
You must accept digital versions of the Kohl's Account Opening Disclosures, Cardmember Agreement, and Credit Card Privacy Policy.
To confirm your agreement, click the green "continue" button. Once you agree, you can start the application. If you have a personal offer code, use it on the next screen; otherwise, just proceed by clicking "continue."
3. Filling Out Your Personal Information
Enter your personal information on the application's first page. Your privacy is protected by Capital One, ensuring that your data is not shared with third parties for marketing. Required details include:
- First and last name
- Complete address: city, state, and zip code
- Phone number, home or mobile
- Email address
- Social security number
- Date of birth
- Annual gross income
4. Terms and Conditions
After entering your details, review the terms at the page's end.
The site details the card's fees, such as late and returned payment charges, both limited to $35. It also complies with the USA PATRIOT Act requirements.
As of November 2015, the purchase APR is set at 23.99%. A penalty APR of 26.99% applies if you miss a payment or it's declined. Make sure you read and understand all terms before proceeding. Confirm your consent by selecting the checkbox at the bottom and then continue by clicking the "Continue" button.
5. Approval Duration
Applications are typically approved or denied quickly, within 60 seconds. Delaying your application could cause the system to time out, requiring you to restart.
Once approved, your new Kohl's card will be mailed to you within a few weeks.
In-Store Application
Visit Kohls.com and click "store locator" on the top right to find a nearby Kohl's store.
You can use your location or enter your city or zip code on the regional map. You can also search all credit card Kohls locations in each U.S. state by state.
Reach Out for Assistance
Talk to any cashier or customer service agent inside a Kohl's store for a paper application.
They will hand you the form. To streamline your visit, fill out the form before you start shopping.
Complete the Application
On the paper application, fill in your personal information like you would online to qualify for a 15% discount on today’s purchases once approved. Make sure to include:
- Full name
- Home address
- Phone number
- Email address
- Social Security number
- Date of birth
- Annual gross income
This efficient process grants you immediate benefits.
Temporary Card
After your Kohl's card is approved, it will be mailed to you within a few weeks. Meanwhile, a cashier can provide a temporary card for immediate use in-store and online, pending your official card from Capital One.
Interesting Facts About Kohl's Credit Card
This card is suitable primarily for regular Kohl's shoppers due to its closed-loop nature, allowing use only at Kohl's locations.
It combines potential savings with high APR risks. Here’s what you need to know:
- Credit, Not Just Charge: The Kohl’s Charge Card lets you carry a balance, unlike a charge card. It’s specific to Kohl's stores, meaning it won’t work elsewhere.
- Savings and Rewards: Expect initial discounts and monthly exclusive offers through the Kohl's Wallet app. However, be mindful that rewards like Kohl’s Cash expire quickly, within 30 days.
- Earn VIP Status: Spending $600 annually on your Khols credit Card qualifies you as a Most Valued Customer, unlocking further discounts and free shipping events.
- High APR: With an APR of 26.24% as of May 2022, it's wise to pay off your balance monthly to avoid hefty charges.
- Pre-Qualification Available: Check your eligibility online without a hard credit check. If pre-qualified, you will receive a code to apply for the card, which will be valid for a limited time.
This card thrives on regular engagement with Kohl's promotions and careful financial management to avoid the pitfalls of its high-interest rate.
Contact Information
If you require assistance with your Kohl's card or orders, here’s how to get in touch: For issues related to Kohls.com or your orders, dial 855-564-5705.
If you have inquiries regarding your Kohl's Card or payments, use the number 855-564-5748.
For mailing, use these addresses: Kohl's, P.O. Box 60043, City of Industry, CA 91716 or P.O. Box 1456, Charlotte, NC 28201.
Conclusion
Kohl's Card credit boosts your shopping experience by providing major discounts and exclusive perks.
To maximize benefits, spend $600 yearly and achieve Most Valued Customer status. However, consider the high APR carefully. For inquiries, reach out to customer service or use the provided mailing addresses.
Note: This guidance might change and is for informational purposes only.
