Kohl's Rewards® Visa

Save 40% today, 1 plus earn 7.5% in rewards at Kohl's every day when you open a Kohl's Card. No annual fee.

We will consider you for both the Kohl’s Rewards Visa and the Kohl’s Credit Card. If approved, you will receive one of these cards.

Find out if you’re pre-approved with no risk to your credit score.

See if I’m Pre-Approved Apply Now 
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Credit Level: GOOD-EXCELLENT
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Find out if you’re pre-approved with no risk to your credit score.

See if I’m Pre-Approved Apply Now 
View important rates and disclosures
EARN KOHL’S REWARDS® EVERYWHERE YOU SHOP

7.5% in rewards

on Kohl’s purchases every day. 2

3% in rewards

on gas. 2
 

2% in rewards

at grocery stores. 2
 

1% in rewards

on purchases everywhere else Visa is accepted. 2
 

VISA SIGNATURE BENEFITS

Exclusive perks with the Kohl’s Rewards Visa

You’ll have access to the 24-hour Visa Signature Concierge, emergency and travel assistance services, and more

KOHL’S CREDIT CARD

Exclusively for use at Kohl's and Kohls.com

If you qualify for the Kohl's Credit Card instead of the Kohl's Rewards Visa, you can shop at Kohl's to earn 7.5% in rewards on purchases, plus you'll still enjoy the benefits below.

MORE BENEFITS FOR ALL CARDHOLDERS

Deals just for you

Kohl’s Card holders can look forward to monthly exclusive savings opportunities and a special anniversary offer every year.

Receive MVC status

Become an MVC (Most Valued Customer) when you spend $600/year at Kohl’s with your card and enjoy monthly free shipping opportunities. 3

HERE'S HOW KOHL'S REWARDS WORKS FOR ALL CARDHOLDERS

You earn it

Earn Kohl’s rewards on purchases everywhere when you shop with your Kohl’s Rewards Visa.

Your rewards convert to Kohl’s Cash®

Your rewards balance will be converted and issued in $5 Kohl’s Cash increments on the first day of the following month.

You spend it

You will have 30 days to spend your Kohl’s Rewards-issued Kohl’s Cash. Not valid on Sephora at Kohl’s.

MANAGE YOUR CARD ANYTIME, ANYWHERE
Card management
Manage your account, access your virtual card, check your balance and more with the award-winning Capital One Mobile app. 4
Card lock
Effortlessly lock your card with a few taps if it has been misplaced, lost or stolen. 5
AutoPay
Schedule automatic payments so you never miss a payment. 
Payment flexibility
Pick your own monthly due date. You have the control to pay when you want.

SEE HOW QUICKLY KOHL’S REWARDS CAN ADD UP

Kohl’s purchases
7.5% in rewards
Monthly Spending
$5
Gas
3% in rewards
$1
Grocery stores
2% in rewards
$3
All other purchases
1% in rewards
$1
You could be earning $0 in rewards that convert to Kohl’s Cash.

FREQUENTLY ASKED QUESTIONS

Here are some ways to apply for the Kohl’s Card:

  • In-store: Apply with an associate at a Kohl’s store.
  • Online: Customers can also apply for the Kohl’s Card online on this site or on Kohls.com.

You can use your Kohl’s Rewards Visa anywhere Visa is accepted.

Here are just some of the benefits of using a Kohl’s Card:

 
  • Earn 7.5% in rewards on Kohl’s purchases every day. If you are approved for the Kohl’s Rewards Visa, you’ll also earn 3% in rewards on gas, 2% in rewards at grocery stores and 1% in rewards everywhere else Visa is accepted. 
  • Monthly exclusive savings opportunities.
  • Special anniversary offer every year.
  • When Kohl’s Card customers spend $600 per year at Kohl’s (January 1 – December 31), they become Most Valued Customers (MVCs). MVCs receive monthly free shipping opportunities.

You earn 7.5% in rewards on Kohl’s purchases every day. With the Kohl’s Rewards Visa, you also earn rewards on purchases you make outside of Kohl’s. You’ll earn 3% in rewards on gas, 2% in rewards at grocery stores and 1% in rewards everywhere else Visa is accepted. Your Kohl’s Rewards balance is converted and issued in $5 Kohl’s Cash increments on the first day of the following month, valid for 30 days.

The Kohl’s Rewards®️ Visa and services are offered by Capital One, N.A., pursuant to a license from Visa Inc.

Visa is a registered trademark of Visa International Service Association.

1

40% COUPON IS VALID ON KOHL’S-ONLY BRANDS AND OTHER GREAT BRANDS FOR ONE TRANSACTION WITH YOUR NEW KOHL’S CARD WITHIN 30 DAYS OF CREDIT APPROVAL. Subject to credit approval. Must surrender coupon with ID in store before your card arrives or enter code on Kohls.com with your temporary account number. Limit one per customer. Nontransferable.

Limit one per customer. DOLLAR-OFF COUPONS, INCLUDING KOHL’S CASH®, WILL BE APPLIED PRIOR TO PERCENT-OFF TOTAL PURCHASE COUPONS. Coupon cannot be used in conjunction with other percent-off coupons, including age-specific discounts. COUPON EXCLUSIONS: Not valid on price adjustments; payments on a Kohl’s credit card account; taxes; shipping or handling fees; gift cards; Kohl’s Cares® cause or other charitable items; Sephora at Kohl’s; and/or any other categories and brands of merchandise identified as coupon ineligible. COUPON ELIGIBLE BRANDS INCLUDE: Apt. 9, Croft & Barrow, FLX, Jumping Beans, SO, Sonoma Goods For Life, Tek Gear, The Big One, LC Lauren Conrad, Nine West, Simply Vera Vera Wang, and other great brands. See Kohls.com/details for a full list of included brands.

LOOK FOR SIGNS IN STORE, ASK AN ASSOCIATE, OR FIND A COMPLETE LIST OF COUPON-ELIGIBLE KOHL’S-ONLY BRANDS AND OTHER GREAT BRANDS AT KOHLS.COM/DETAILS

2

Kohl’s Rewards® Visa cardholders will earn Kohl’s rewards at the following rates of the transaction subtotal for qualifying purchases made with their Kohl’s Rewards® Visa linked to their Kohl’s Rewards® account:

  • 7.5% at Kohl’s stores or Kohls.com, excluding gift cards;
  • 3% on gasoline purchases made at merchants whose primary line of business is the sale of automotive gasoline that can be purchased inside the service station or at the automated fuel pump;
  • 2% at grocery stores (grocery purchases made at discount stores or superstores, including warehouse clubs (e.g., Costco or Walmart®) and convenience stores will earn 1%);
  • 1% on purchases everywhere else Visa is accepted.

Kohl’s uses merchant category codes to determine whether your purchase is within a certain category that earns additional Kohl’s rewards. Merchants determine the merchant category code used to identify transactions, which could impact the amount of Kohl’s rewards you earn. Kohl’s is not responsible for merchant category codes used by merchants.

Qualifying purchases are calculated after all coupons and/or discounts are applied, before shipping, fees or tax is imposed and do not include the purchase of gift cards at Kohl's. If merchandise from a qualifying purchase that earns Kohl’s rewards is returned or price adjusted, the value of the earned Kohl’s rewards and/or Kohl’s Cash® will be reduced to reflect any unearned value. Cash advances, balance transfers, and account access checks are not considered purchases and will not earn Kohl’s rewards.

The Kohl's Rewards® program is provided by Kohl's, Inc.

For Kohl’s Rewards® program details and full terms, please visit Kohls.com/KohlsRewardsTerms.

3

Kohl’s cardholders achieve MVC (Most Valued Customer) status after spending $600 on purchases at Kohl’s stores or Kohls.com within a calendar year using their Kohl’s Card. Once MVC status is achieved, it is effective through December 31 of the following calendar year. MVC status provides Kohl’s cardholders with monthly free shipping opportunities.

4

Web access is needed to use the mobile app. Check with your service provider for details on specific fees and charges.

5

Some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions.