Kohl’s Charge Card – 35% Off First Purchase and Regular Offers

The Kohl’s Charge Card is a co-branded retail credit card issued by Kohl’s Department Stores, designed for shoppers looking to maximize their savings while enjoying exclusive offers. This card is especially beneficial for frequent Kohl’s customers, offering enticing benefits and an easy pathway to discounts.

Card Type

The Kohl’s Charge Card is primarily a retail credit card, aimed at providing customers with rewards for shopping at Kohl’s. Unlike typical cashback or travel cards, it focuses on in-store benefits and special discounts relevant to Kohl’s shoppers.

Annual Fee

One of the significant advantages of the Kohl’s Charge Card is that it comes with no annual fee. This means cardholders can enjoy all the rewards and benefits without the burden of yearly charges eating into their savings.

Rewards Program

The rewards program for the Kohl’s Charge Card is straightforward and appealing. Cardholders earn 1 point for every dollar spent at Kohl’s, with points redeemable for Kohl’s Cash offers. Additionally, special promotions can boost this earning rate during events like Kohl’s Cash events, giving you more ways to save.

Sign-Up Bonus

Upon approval, new cardholders can enjoy an incredible 35% off their first purchase, making it a lucrative choice for anyone looking to stock up on stylish apparel, home goods, or seasonal decor. To qualify, simply apply for the card and make your eligible purchase within the promotional period.

APR (Annual Percentage Rate)

The regular APR for the Kohl’s Charge Card is competitive, typically hovering around 26.99% variable. However, it’s important to check for any promotional 0% introductory APR offers for balance transfers, which can provide temporary relief for those looking to manage existing debt.

Foreign Transaction Fees

For international shoppers, the Kohl’s Charge Card does not impose foreign transaction fees. This feature allows cardholders to shop freely while traveling abroad without worrying about extra charges on international purchases.

Balance Transfer Options

While the Kohl’s Charge Card is primarily intended for in-store shopping, it may also offer balance transfer options with promotional periods of 0% APR. Always check the terms, as these offers can vary, and balance transfer fees might apply.

Additional Fees

Aside from potential late payment fees, which can be around $30, cardholders may also incur a cash advance fee of either $10 or 5% of the amount borrowed, whichever is greater. It’s crucial to read all the fine print to avoid surprises.

Card Benefits and Perks

Cardholders enjoy a range of added benefits with the Kohl’s Charge Card, including exclusive access to special sales events, birthday gifts, and tailored promotions throughout the year. Frequent promotions and special offers allow shoppers to maximize their savings and enhance their shopping experience.

Customer Protections and Insurance

The Kohl’s Charge Card includes essential customer protections such as fraud liability, protecting cardholders from unauthorized charges. Purchase protection may also cover lost or damaged items within a certain timeframe, ensuring peace of mind with every purchase.

Eligibility and Credit Score Requirements

While specific credit score requirements are not publicly disclosed, prospective cardholders typically benefit from a good to excellent credit score, generally in the range of 650-740+. This ensures that applicants have a better chance for approval and access to favorable terms.

Introductory Offers

The Kohl’s Charge Card often includes enticing introductory offers that can span several months, giving new users a chance to take advantage of lower APR on purchases or special discounts during their first few months as cardholders.

Special Features or Unique Selling Points

Among its unique features, the Kohl’s Charge Card’s standout benefit is undoubtedly the initial 35% discount on first purchases. Furthermore, cardholders regularly receive exclusive shopping events and discounts, setting it apart from typical cashback cards.

How to Apply

Applying for the Kohl’s Charge Card is straightforward. You can fill out an application online through the ‘>Apply Here.

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