Kohl's Credit Card Review

Kohl's Credit Card is a store rewards credit card issued by Capital One. If you're wondering whether Kohl's Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.49%
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

Kohl's Credit Card Pros and Cons:

The Good	The Bad
No annual fee. Considers applicants with fair or poor credit. Cardholders can earn rewards on their purchases. Kohl's Credit Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Higher than average purchase APRs. Does not offer a signup bonus. You don't earn rewards on every purchase. Does not include many credit card rewards.

Is there a Kohl's Credit Card cash back or rewards program?

Kohl's Credit Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

• Retail

Kohl's Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the relevant APRs for Kohl's Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Kohl's Credit Card has higher than average purchase APRs.

Kohl's Credit Card has a variable purchase APR of 26.49%.

What are the Kohl's Credit Card fees?

The following fees apply to Kohl's Credit Card:

Kohl's Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $38
Late Payment Fee	up to $38

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

Kohl's Credit Card reports your account activity to the following credit reporting agencies:

• 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 can help improve your credit score.

How to apply for Kohl's Credit Card

• Visit the Kohl's Credit Card website.
• 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.