Applying For A Kohls Card
The application process for a Kohls card is very simple. You can apply online or in the store, and both are simple processes. Both applications require that you submit the same information, you simply do it in a different form. Applications for the credit card can be found in any Kohls department store. All you have to do is ask an associate for one and they are happy to oblige. Once you have the application in hand, you can fill it out while you are in the store or you can fill it out at home. The application for the Kohls credit card can be presented to a customer service agent in the store for approval or mailed to the address listed on the application. If you prefer to apply online at home, you can do that as well. Be warned, however, that Kohls credit cards require great credit and you will be declined for a card if your credit is not up to par.
To apply online you will simply visit the Kohls website and click on the link for the credit card application. This is when you will be asked to present some very specific information:
- Your name
- Email address
- Place of Employment
- Number of years at place of employment
- Your income
- Your housing expenses
What Is The Yes2you Rewards Program
The Yes2You Rewards program provides 1X point per dollar spent at Kohls. On the first of every month, youll get $5 in Rewards Cash for every 100 points earned.
This means each point is worth 5 cents, giving you an overall cash back equivalent of 5% on Kohls purchases. Thats a pretty great deal for a simple customer loyalty program. But take note that your Rewards Cash certificates can only be used at Kohls, and they expire 30 days after being issued. Points in your account, which have not yet been redeemed for Rewards Cash, will expire one year after being earned.
This is pretty different from other retail store cards or general rewards cards, where the rewards program is attached to the card.
The Yes2You Rewards program is completely separate from the Kohls Charge Card. You must enroll specifically in the Yes2You Rewards program if you want to participate in it simply being approved for the Kohls Charge Card will not enroll you in Yes2You Rewards.
Anyone can join the Yes2You Rewards program, you dont need to be a Kohls Charge Card user.
To enroll in Yes2You Rewards you must first create a Kohls.com shopping account, and then log in and click Yes2You Rewards. If you enrolled in-store, you can link your shopping account to your Yes2You Rewards account online by logging in and clicking Yes2You Rewards.
Whats Great About The Kohls Charge Card
There are some amazing benefits to having a Kohls Charge card, so lets start from the beginning. As soon as youre approved for your card, youll get an extra 35% off your first Kohls purchase using your card. This purchase can be made online or in-store. As a cardholder, you’ll also get the following benefits:
- Special coupon: When you receive your Kohls Credit Card in the mail, it will include a 15% off coupon to use on your next online or in-store Kohls purchase.
- Bonus for going paperless: If you opt into paperless statements, youll get another $10 coupon in your email inbox.
- Exclusive offers: Youll receive 12 special offers in the mail throughout the year. Each special offer is available for a limited time and can be applied at checkout online or in-store. These special offers include a promo code that randomly gives you an extra 15%, 20%, or 30% off your purchase when you use your Kohls Credit Card. If you cant find or lose your special offer mailer, youll automatically get 15% off your purchase during the promotion time.
- Most Valued Customer bonus: If you spend more than $600 per year at Kohl’s, youll also receive six additional offers and a birthday gift for being an MVC.
- Advanced notice of upcoming sales in the mail: You can be among the first customers at the door when the sale hits the store. If you prefer online shopping, you can preload your cart before the sale date and then check out after the sale starts.
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What Is A 5 24 Rule
The 5/24 rule states that if you have been approved five or more credit cards in the last 24 months, you will automatically be denied for any Chase credit card products. This is to prevent consumers from applying to credit cards solely for the welcome bonus and closing the account before the annual fee comes due.
Capital One Savor Cash Rewards Credit Card
Disclaimer The information about the Capital One® Savor® Cash Rewards Credit Card has been collected independently by MoneyUnder30.com. The card details have not been reviewed or approved by the card issuer.
The Capital One® Savor® Cash Rewards Credit Card is great for those who love to dine out. It offers 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases.
Read our full Capital One® Savor® Cash Rewards Credit Card review.
comes with no shortage of enticing perks: no annual fee, the opportunity to earn a $200 cash bonus after spending $500 in the first three months, 5% on travel booked through Chase Ultimate Rewards®, and 3% cash back on dining, including takeout and eligible delivery services.
Youll also get an additional 3% cash back on drugstore purchases, and 1.5% cash back on all other purchases, plus 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months.
Read our full review of the Chase Freedom Unlimited®.
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What Credit Score Is Needed For A Kohls Card
You can check your Kohls Credit Card application status anytime by calling 564-5740. Strangely, Kohls does not provide a tool to check your application status online. If you applied for a Kohls Credit Card and did not receive instant approval, Kohls will send you a response by mail within 7-10 days.
Subsequently, How difficult is it to get a Kohls credit card?
With more than 1,100 stores across 49 states, most consumers will likely have a Kohls nearby, though the Kohls Charge Card can be used to make purchases both in store and online. The reviews indicate credit scores as low as 570 may be approved, making the Kohls card one of the easier-to-obtain store cards.
Also, What credit score do you need to get a Kohls card?
Does Kohls credit card build credit?
Getting a store credit card can be a good way to build credit without having to put down a deposit on a secured credit card. Learn more about whether the Kohls Charge card is a good choice for you, as well as how to make the most out of the credit cards benefits.
Last Review : 12 days ago.
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Kohl’s Card Benefits And Perks
The Kohl’s Card isn’t a rewards credit card. However, you can still earn rewards on purchases if you’re a member of the Kohls Cash rewards programs. Kohls Cash allows shoppers to earn credit toward purchases. For example, you can earn $5 of Kohls Cash when you spend $50 on merchandise. Additionally, Kohl’s has offered promotions for new cardmembers, such as a 35% discount on your first purchase using your new Kohl’s card.
Kohls Cash promotions are offered periodically and are sometimes available only to Kohls cardholders. Kohls allows for discounts and promotions to be stacked on top of each other, which can result in tremendous savings. For example, a customer may combine a 30% discount offer with Kohls Cash on any purchase. Kohls often offers cash-off coupons, such as $10 off purchases of $30 or more. These may be combined with other discounts, as well as Kohls rewards programs.
Kohls cardholders participate in all of these discounts and rewards programs same as all shoppers can. However, cardholders receive additional offers for store discounts of 10% to 30% each year. In addition, Kohls gives new cardholders 35% off their first purchase, which can be combined with any other store discounts. If you become a Most Valued Customer by spending more than $600 during the year, you receive six additional discount offers, including an annual birthday gift and free shipping promotions.
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Bad Credit: Under 600
If youre in the last group and have bad credit because youve missed payments, had collection accounts, or a foreclosure, you need to take special steps to get approved for a credit card.
If youre in this situation, you should only apply for a credit card in an effort to begin rebuilding credit . Usually, this means applying for a secured credit card.
A secured credit card requires a security deposit before you can begin making charges. That security deposit acts as your credit limit. Although that may sound like a debit card or prepaid card, the secured credit card will report your payment history to the credit bureaus, which debit and prepaid cards do not do. After a year or so of using a secured card, you may be able to upgrade to an unsecured account and get your deposit back.
I recommend the Platinum Secured Credit Card from Capital One to help get your credit back on track.
What Credit Score Do You Need For A Kohls Card
You will need fair to good credit to be eligible for a Kohls credit card, typically in the range of 580 to 699.
If you are looking for a way to build credit without taking on substantial debt, you already regularly shop at Kohls, and have a handle on your monthly personal budget, using a Kohls credit card may be a good way to build your credit.
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What Happens If You Don’t Activate A Credit Card
Your account is considered open from the date you’re approved for the card. If you don’t activate your card your account will still be open, you just won’t be able to use it.
The one exception to that rule is if you opened a card with instant access, such as the Blue Cash Preferred® Card from American Express or the , and received a temporary card number.
Your card issuer may reach out if you haven’t activated your card after a certain amount of time, usually 45 to 60 days, to see if you received it. After that time, you may need to request a new card if you want to activate it.
Easiest Store Credit Cards To Get
Next to secured credit cards, store or retail credit cards are often the easiest credit card type to obtain due to the limited use of most store cards. Your typical retail credit card can only be used to purchase goods from the particular brand for which the card is issued for example, the Fingerhut credit account can only be used to purchase goods through Fingerhut.com.
On the plus side, store credit cards often come with exclusive perks and rewards that can be quite valuable for regular shoppers. Our top store credit cards include options to earn rewards on every branded purchase, as well as providing the credit-boosting benefit of reporting to all three major bureaus.
See complete WebBank/Fingerhut Advantage Credit Account Terms and Conditions.
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How To Pay Your Kohl’s Credit Card
There are four ways on how you can pay this credit card:
Online
In-store
You can pay your credit card bills directly at any Kohls store using a check, Kohls Cares card, or money order.
Only through check or money order can be sent via mail not the cash itself. You may refer to their website for the address.
Phone
You can also call Kohls Customer Service if you want to pay and a representative will ask you questions to verify your account and process your payment.
With all these conveniences, theres no wonder why you would love a Kohls Credit Card.
Paying A Kohls Credit Card Bill
You can make a payment for your Kohls credit card in the following ways:
- Online and the mobile app: Making a payment online is the fastest way to pay your bill. You can pay online either through your Kohls credit card account or through the mobile app.
- In the store: You can make a payment for your Kohls credit card right in the store using cash, check, debit card, or money order.
- Over the phone: You can make a payment for your Kohls credit card over the phone by calling 564-5748. You will need a bank routing number or a debit card to make an over-the-phone payment.
- : You may mail a check to Kohls to make your credit card payment. For most credit card holders, the mailing address is:
Kohls Payment CenterP.O. Box 2983Milwaukee, WI 53201-2983.
If you live in AK, AZ, CA, CO, HI, ID, MT, NC, OK, OR, TX, UT, WA, or WV, you will need to mail your payment to:
Kohls Payment CenterLos Angeles, CA 90030-0510.
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Bigger Spenders Can Earn Status
When you spend $600 with your Kohls card in a calendar year, youll earn Most Valued Customer status. That MVC status entitles you to additional savings and offers throughout the year, including a special birthday gift. Youll also enjoy exclusive free shipping periodically, which you can stack with your other Kohls offers and cash.
How To Get The Most Out Of This Card
Unlike some store credit cards, the Kohls Credit Card doesnt offer rewards based on your spending. Instead, youll receive regular discount offers in the mail throughout the year that may include coupons for a percentage off of eligible purchases.
However, you can still earn rewards for spending at Kohls by signing up for Kohls Yes2You Rewards program to earn points per dollar spent. You can also earn Kohls Cash toward future purchases if you hit spending requirements during limited-time Kohls Cash events.
In most cases, your Yes2You Rewards and Kohls Cash can be used for items that are excluded from the coupons youll get with the credit card.
In addition, spending at least $600 on your Kohls Credit Card each calendar year makes you a Most Valued Customer. This qualifies you for a birthday gift, more discounts, and free shipping events.
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Late Fee And High Apr
The Kohls Credit Card comes with a $38 late payment fee, and its APR could be better. The average APR for credit cards is around 16%, so the 27.24% variable APR gives this card a very high rate when compared to other options. This high APR can result in high interest charges if you don’t pay off your balance in full each month. Also, your spending limit will likely be lower than other credit cards however, you can request a credit line increase every three months if you meet certain requirements.
How To Choose Your First Credit Card
When youre ready to get your first credit card, be aware that you may not have access to the best rates and terms. Looking at interest rates, looking at how that interest is going to be compounded will help you understand what it will cost to carry a balance, says Sokunbi. Youll also want to be mindful of any fees associated with maintaining the account.
When selecting a credit card, You dont only look at the costs associated with that account, but also the benefits to you, says Griffin. Try to choose a card that aligns with your lifestyle. For example, if youre feeding a large family, choose a credit card that gets cash back on groceries. Or if youll be traveling abroad, choose a card with travel insurance and no foreign transaction fees.
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Should You Get This Card
If you shop at Kohls on a regular basis, the Kohls Credit Card may be worth signing up for.
But even if you are a frequent Kohls shopper, this store card wont offer much benefit for everyday spending. You wont be able to use it outside of Kohls, and it doesnt offer any of the security features, rewards options, or added benefits we like to see from credit cards.
Another thing to consider before applying is your own spending habits. Store cards like this one can be helpful if you want to build credit but youve had trouble getting approved for credit cards in the past. Theyre often easier to access than other rewards cards for people with bad credit or little credit history. But cards limited to one retailer can also make it easier to overspend on things you dont need and risk taking on debt and worse credit over time. Make sure you have a budget in place and wont be encouraged to overspend just because you can get a good deal.
Nonetheless, the frequent coupons, which can often save you $30 for each $100 you spend, can lead to significant savings if you buy most of your wardrobe, kitchen appliances, or home decor at Kohls. And because theres no annual fee, you can reap the benefits without any cost as long as you pay off your balance in full each month.
This Credit Card Is Right For You If:
- You shop frequently at Kohl’s
- You plan to pay off your balance in full each month
- You won’t be tempted to overspend
It’s worth noting that the Kohl’s Charge credit card isn’t the best choice for shoppers who plan to carry a balance. Even a generous introductory 35% discount could easily be negated by the card’s high APR. If you plan to carry a balance, opt for a .
The rewards and discount program is fairly complicated because you have to combine general store rewards with the credit card’s discounts to maximize the value. If you don’t mind navigating this, you could snag some generous savings.
However, if you’re after a simpler, more flexible credit card, you may be better opting for a general cash back or travel rewards credit card. These often have their own easy-to-understand rewards programs, which you can combine with the other two Kohl’s loyalty programs.
The bottom line is that if you’re a regular shopper at Kohl’s — either in-store or online — the Kohl’s Charge credit card could be a smart addition to your wallet.
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