Company Overview
Kohl’s is a departmental store company based in the United States. The retail chain is operated by Kohl’s corporation with 1,158 locations operational throughout the nation. It started in 1962 by Maxwell Kohl who started with a corner grocery store in Milwaukee, Wisconsin. Kohl’s departmental stores are the 20th largest home improvement stores in the U.S.
Overview of the Kohl’s Credit Card
If you reside in the United States, the Kohl’s Credit Card is a good choice. Kohl’s stores are located in 49 states of the U.S. Hence, one can find it convenient to reach Kohl’s store and use the credit card for enhanced benefits. The credit card is backed by the Capital One Bank. Thus, you need to visit the website of Capital One to apply and manage the account. Kohl’s Credit Card can be used to finance clothing, footwear, fashion accessories, and housewares.
The credit card is good for regular shoppers of the Kohl’s stores. If you wish to shop at Kohl’s then you might grab the credit card. The Kohl’s Credit Card is unlike other store credit cards such as the Amazon Prime Store Card. If lets you unlock regular promotions and secret sales that are open to the credit card holders. Read on for a detailed insight into the credit card.
Benefits of the Kohl’s Credit Card
- Kohl’s Credit Card offers great initial discounts. You get a 35% discount on the first purchase at the Kohl’s stores.
- There is a broad array of special offers that sound pretty uncertain. You get an additional discount of 15%, 20% or 30% depending upon the offers.
- No annual fee is charged by the credit card company. Therefore the credit card holders are not burdened with high charges at the end of the year.
- APR rate of the credit card is average which makes it a decent choice. If your credit score is good you may feast upon an APR as low as 19.88%.
- There are 12 special offers entitled to the user.
Kohl’s Credit Card Rate and Fee
- Regular APR of the Kohl’s Credit Card is 26.99%.
- Annual fee charged is $0.
- Max late payment fee is $38.
- Cash advance APR is not offered.
- The foreign transaction fee is $0.
- The grace period of the credit card is 25 days.
Kohl’s Credit Card Review
Pros
Great when used at the Kohl’s Stores– As you know most of the store credit card is made to be used inside the authorized store. Alike the trend the Kohl’s Credit Card is targeted for use at the Kohl’s retail stores and partner stores. The rewards are cantered towards purchases made in-store.
No Annual Fee or Hidden Fee– Kohl’s Credit Card won’t charge any hidden fee or an annual fee for usage. Hence, you can save from paying those extra charges associated with nearly every other credit card.
Cons
Bad if you are not budget conscious– If you are not a budget conscious shopper you would not find the credit card good. As the maximum benefits are extracted at the time of special sale offers, you have to wait till the offer openings.
Not good for those looking for a regular rewards card– Individuals who are in search of a typical reward or cash back credit card can look for another one instead of focusing on the Kohl’s Credit Card.
Kohl’s Charge Card Application
Step 1: To apply, visit Kohl’s website and at the top of the page, click on the link that says “Apply Now” and you will be directed to the first application page. apply.kohls.com
Step 2: Next click on the “Security and Privacy Policy” link at the bottom of the page and provide your personal information:
- Your name
- Birthdate
- Phone number
- Address
- Email address
- Social security number
Step 3: Next select the “Continue” button to proceed to Kohl’s online application. If you agree to the terms and conditions of the card then click the “Apply Now” button and wait for confirmation.
Check Application status
To know your application status the user will have to call on 800-954-0244. Enter the application reference number to get the status.
How to Activate Credit Card
To activate your new card, please log in or register on the My Kohl’s Charge website. You can also call us at 800-954-0244.
How to Log into Kohl’s Credit Card
Step 1– To log in, access your account log in your online account, and visit the login page. credit.kohls.com
Step 2– Next; navigate to the login homepage, login page of the Kohl’s credit card on the top of the page “Secure Sign-On” section.
Finally, enter your user id and password in the blank space then click on the “Sign On” button below.
Forgot username or password
Step 1– If any cardholder lost their username or password then they should go to the login section and click on the link “Retrieve User Id or Reset password”.
Step 2– In the next step; enter your card number, name as appears on the card, security code and last 4 digits of the primary cardholders SSN.
Then finally click on the “Verify” button.
How to Register
If you want to register now to see your available credit, make payment, track orders and more, then follow the steps and register now. Go to the website Kohl’s and enter the 12 digit credit card number at the registration section below.
Step 1: Next provide the following information which is asked below:
- Email address
- Password
- Confirm password
- Customer number
Step 2: Now, after providing information click the “Register” button which you find in green color.
How to Pay Bills
For easier access, you can sign in to both you’re My Kohl’s Charge or Kohls.com shopping accounts from the same place on the Kohls.com homepage!
Online payment
Register your account at My Kohl’s charge for free online payment. Click here to make a free online payment at My Kohl’s charge!
Payment by phone:
Use our automated phone system 24 hours a day by calling at 855-564-5748 to make a payment.
Payment by mail:
Make your check out to Kohl’s payment center and mail it to:
Kohl’s Payment Centre
PO Box 2983
Milwaukee, WI 53201-2983
Payment in store:
You can make your payment at the store by using a check, cash, debit card or money order. Payments are accepted until close of business for that store.
Conclusion
At the closure, the Kohl’s Credit Card should be considered a fair deal for Kohl’s loyal shoppers. It has a decent APR rate, does not charge an annual fee and has a pretty good usage. Howbeit, there are some drawbacks which can be ignored if you are Kohl’s enthusiast.
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