Where to Apply for a Kohl's Credit Card Online?

Where to Apply for a Kohl's Credit Card Online?

The Kohl’s credit card is a store-branded card that can be used only at Kohl’s stores and on Kohls.com. It offers various benefits for cardholders, such as discounts, coupons, rewards and free shipping opportunities. However, it also has some drawbacks, such as a high interest rate, a low credit limit and a limited acceptance. To apply for a Kohl's credit card online, you have several options:

Kohl's Credit Card Application Page

1. Visit the Kohl’s credit card application page, enter your personal offer code (if applicable). 
2. Fill out the required fields with your personal and financial information.
3. To apply for a Kohl's Credit Card, you need to provide the following information,

Review the terms and conditions before submitting your application.

Through "My Kohl’s Charge" on Kohl’s Website

1. Navigate to the Kohl’s website.
2. Click on "my kohl’s charge" at the top of the page.
3. Then click the "Apply for a Kohl’s Card" button. 
4. Follow the prompts to begin the signup process securely.

Check Prequalification with No Impact to Credit Score

1. On the Kohl’s website, click on "See if you’re prequalified" under the “Apply Now” button.
2. Provide your name, address, and the last four digits of your Social Security number to check for prequalification. 
3. Receive an instant decision on your eligibility with no impact on your credit score.

How to Register Kohl's Credit Card Account?

Know how to easily set up and manage your Kohl's Credit Card online. Enter your card details, personal info, and create a secure login, making it convenient to track transactions and stay in control of your account. To register your Kohl's Credit Card account for online access, follow these steps:

1. Click on “Register for online access” on the login page.
2. Enter your 12-digit Kohl’s Card number (not the account number from your statement).
3. Provide your last name as it appears on the Kohl’s Card.
4. Enter your date of birth in the specified format (e.g., 01/01/1970).
5. Input your ZIP/Postal code.
6. Click “Continue.”
7. Create a Username (case-sensitive, 4-20 characters, cannot be your password or email address).
8. Enter your mobile phone number.
9. Input your email address and confirm it by entering it again.
10. Create a password following the specified guidelines (8-20 characters, at least 1 lowercase letter, 1 uppercase letter, 1 number, 1 special character, cannot have more than two repeating characters, cannot be the same as the username).
11. Re-enter your password.
12. Click “Continue.”
13. Complete the one-time passcode process.
14. Once these steps are completed, your Kohl's Credit Card account will be registered for online access.

Benefits of Kohl’s Credit Card

Unlock a spectrum of advantages with the Kohl's Credit Card. From exclusive savings coupons and advance event notifications to convenient mobile payment options and receipt-free returns, discover a range of perks. Achieve Most Valued Customer (MVC) status with annual spending, offering additional monthly free shipping opportunities and enhancing your Kohl's Card experience.

How to Make a Payment on My Kohl's Credit Card?

Easily manage your Kohl's Credit Card payments with various options. You can pay online through your desktop or mobile, make a phone payment, mail a check, or visit a Kohl’s store to pay in person using cash, check, or debit card. Explore the convenience of these payment methods to keep your account up to date.

Pay Online (Desktop)

• Log in to your Kohl’s Card online profile and make payments using your checking or savings account. Visit the website and click on the provided link to make a free online payment.

Pay via Mobile Site or Kohl's App

• Download the Kohl's app or visit the website on your mobile phone to make payments conveniently.

Pay by Phone

• Call 855-564-5705 to use the automated system for payments 24/7 with your checking or savings account. Payments made after 7 p.m. (Central Time) will be processed the following day.

Pay by Mail

• Mail your payment to Kohl’s Payment Center. Payments received after 5 p.m. (Central Time) will be posted the next day. Choose the appropriate address based on your location.

Pay in a Kohl’s Store

• Make a payment at a Kohl’s store using a check, cash, debit card, or money order.

What is the Highest Credit Limit For Kohl's Credit Card?

The credit limit for the Kohl's Credit Card varies based on the cardholder's credit standing, typically ranging from $300 to $3,000. However, for most individuals, the limit tends to be below $1,000.

The Kohl's Card is a store credit card, exclusively valid for Kohl’s merchandise purchases in-store or online, distinguishing it from traditional credit cards with major logos. As a charge card, the balance is expected to be paid in full monthly, with a variable APR of 30.99% (as of 2023), and it does not have an annual fee. Late fees or returned payment fees may apply.

What is the Credit Score Eligibility for Kohl's Credit Card?

To be eligible for the Kohl's Credit Card, a credit score of 640 or higher is recommended. This implies that individuals with at least fair credit have a reasonable chance of being approved for the card. It's essential to consider that although credit score plays a significant role, other factors such as income, existing debt, number of open accounts, recent credit inquiries, employment status, and housing status will also influence the approval decision for the Kohl's Credit Card.

What are the Pros and Cons of Kohl's Credit Card?

Enjoy high cash back rates on in-store purchases and the possibility to stack discounts with Kohl’s Cash®. However, be mindful of its limitations, such as the card's exclusive use within Kohl’s stores, a relatively high regular APR, and the requirement to redeem rewards during specific dates.

Pros and Cons of Kohl's Credit Card

• Earn a high cash back rate on in-store purchases with the Kohl's Credit Card.
• The card allows for the potential stacking of Kohl’s Card discounts with Kohl’s Cash®, maximizing savings.
• There are no membership fees associated with the Kohl's Credit Card.

Cons of Kohl's Credit Card

• The card can only be used for purchases within Kohl’s stores, limiting its usability.
• The regular APR is relatively high, making carrying a balance costly.
• Redemption of rewards can only be done during specific redemption dates, limiting flexibility.