Kirkland's Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.

Last Updated: 05/14/2026

Not Currently Available

Kirkland's Credit Card

from Wells Fargo Bank

Last Updated: 05/14/2026

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

Purchase APR (Variable APR)

Up to 28.99%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

650 - 850

Annual Fee

N/A

Kirkland's Credit Card Review

Kirkland's Credit Card is no longer available to new customers on SuperMoney.

Click here to compare and quickly find the best options for your needs.

This is a store card issued by Wells Fargo Bank. If you're wondering whether Kirkland's Credit Card is the right card for you, read on.

Key Takeaways

Fair or better credit required. You will have good approval odds if you have a fair credit score or better.

Pros & Cons of Kirkland's credit card

The Good

The Bad

Beginning, May 3, 2018 customers who apply for the Kirkland’s credit card with Wells Fargo Bank, N.A. in stores and are approved will receive 20% off of their next in-store purchase when they use their Kirkland’s credit card.
Receive an additional 5% off on in-store purchases every day!
Advance notice of sales and promotions
Exclusive coupons and special shopping events and no monthly maintenance fee.
Kirkland's Credit Card reports to multiple credit bureaus.

5% discount is in-store only and not valid with Kirkland's online store.
N/A
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.

Kirkland's credit card FAQ

Does Kirkland's credit card have a cash back or rewards program?

No, it does not offer a rewards program.

Kirkland's credit card Rewards Breakdown

Description

How do people rate the customer service and user experience of Kirkland's credit card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Kirkland's Credit Card report your account activity to credit bureaus?

Yes, Kirkland's Credit Card reports to the following credit bureaus:

Equifax
Experian
TransUnion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Wells Fargo Bank perform a hard credit pull?

Yes, Kirkland's credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Kirkland's credit card

Visit the website of Kirkland's credit card.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

420 Montgomery Street

San Francisco, CA 94104

Visit Site

Email Support

Hours of Operation

Sunday

All Day

Monday

All Day

Tuesday

All Day

Wednesday

All Day

Thursday

All Day

Friday

All Day

Saturday

All Day

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.