Do you love shopping at Kohl’s? If so, the Kohl’s Charge card might be your ticket to bigger savings and exclusive rewards. This store credit card, issued by Capital One, is designed for Kohl’s shoppers, offering perks you won’t get with regular payment methods. In this article, you’ll discover the top five benefits of the Kohl’s Charge card: a 40% discount on your first purchase, 7.5% rewards on every purchase, exclusive cardholder discounts, a special anniversary offer, and access to free shipping events. Let’s explore how the Kohl’s Charge can make your shopping experience even better.
What Is Kohl’s Charge?
The Kohl’s Charge is a store credit card issued by Capital One; see Capital One Kohl’s credit card details for more. You can use it only at Kohl’s stores or on Kohls.com. Unlike general credit cards, it’s tailored for Kohl’s shoppers, offering savings and rewards to enhance your shopping. The card has no annual fee but comes with a high APR, so it’s best to pay off your balance monthly. If you frequently shop at Kohl’s for clothing, shoes, home goods, or electronics, the Kohl’s Charge can help you save more.
Benefit 1: 40% Discount on Your First Purchase with Kohl’s Charge
A Big Welcome Bonus
One of the best perks of the Kohl’s Charge card is the 40% discount you get on your first purchase. This offer is available to new cardholders and must be used within 30 days of your account approval. Whether you’re shopping in-store or online, this discount can lead to significant savings.
How It Works
After you’re approved for the Kohl’s Charge, you can use the 40% discount on one transaction. For example, if you spend $100, you’ll save $40, paying only $60. This is perfect for buying big-ticket items like furniture or stocking up on clothes.
Things to Know
The discount applies to qualifying purchases, but some brands, like certain premium electronics, may be excluded. Check the Kohl’s coupon eligible brands page for details. To use this offer, simply pay with your Kohl’s Charge card within the 30-day window, and the discount will apply at checkout.
Why It Matters
This one-time discount is a great way to kick off your Kohl’s Charge experience. It encourages you to try the card and see immediate savings, making it a compelling reason to apply for Kohl’s card.
Benefit 2: Earn 7.5% Rewards on Every Purchase with Kohl’s Charge
Higher Rewards Rate
With the Kohl’s Charge card, you earn 7.5% back on every purchase at Kohl’s, compared to the 5% offered to non-cardholders in the Kohl’s Rewards program. This higher rate means more savings over time.
How Rewards Are Earned
For every dollar you spend with your Kohl’s Charge card, you earn 7.5% in rewards. Check the Kohl’s Rewards program terms for full details on earning and redeeming rewards. These rewards accumulate throughout the month and are issued as Kohl’s Cash in $5 increments on the first day of the next month. For example, if you spend $100 in a month, you earn $7.50, which translates to $5 in Kohl’s Cash, with the remaining $2.50 carrying over.
Using Kohl’s Cash
Kohl’s Cash is like store credit you can use on future purchases at Kohl’s. To learn how to earn and spend Kohl’s Cash, visit Kohl’s official guide. You can combine it with other discounts, making it a powerful tool for saving. However, Kohl’s Cash has specific redemption periods and expires if not used in time. Check your Kohl’s Wallet or email for redemption dates.
Maximizing This Benefit
To get the most out of this perk, use your Kohl’s Charge card for all Kohl’s purchases to earn the 7.5% rate. Keep track of your Kohl’s Cash and plan your shopping to use it before it expires. This benefit adds up, especially if you shop at Kohl’s regularly.
Benefit 3: Exclusive Cardholder Savings and Discounts with Kohl’s Charge
Special Offers for Cardholders
As a Kohl’s Charge cardholder, you’ll enjoy exclusive discounts not available to other shoppers. These offers often come as percentage-off coupons, typically 15%, 20%, or 30% off your entire purchase.
How Discounts Work
Kohl’s sends these coupons monthly, either by mail or email. You can use them in-store or online during specific promotional periods. For instance, a 30% off coupon on a $200 purchase saves you $60. These discounts often stack with other sales, boosting your savings.
Real-World Example
Imagine Kohl’s is having a clearance sale, and you find a jacket originally priced at $100, now on sale for $50. With a 20% off cardholder coupon, you’d save an additional $10, paying only $40. This stacking ability makes the Kohl’s Charge card especially valuable.
Staying Informed
To take advantage of these offers, check your mail, email, or Kohl’s app regularly. Cardholders often get early access to sales, giving you a head start on the best deals. Sign up for Kohl’s emails to stay updated on promotions.
Benefit 4: Special Anniversary Offer with Kohl’s Charge
A Yearly Thank You
Every year, on the anniversary of your Kohl’s Charge account opening, Kohl’s sends you a special offer. This is typically a discount coupon, though the exact details may vary.
Using the Offer
You’ll receive the anniversary offer by mail or email, often as a barcode or promo code. Present it in-store or enter it online during checkout within the specified period. For example, it might be a 20% off coupon, saving you on your next purchase.
Why It’s Great
This annual perk rewards your loyalty and gives you another reason to shop at Kohl’s. It’s a small but meaningful way Kohl’s shows appreciation for cardholders.
Tips for Use
Keep an eye out for your anniversary offer around the date you opened your account. Plan a shopping trip to make the most of the discount, combining it with other sales if possible.
Benefit 5: Access to Free Shipping Events as an MVC with Kohl’s Charge
Becoming a Most Valued Customer
By spending $600 at Kohl’s in a calendar year with your Kohl’s Charge card, you earn Most Valued Customer (MVC) status. This status lasts through December 31 of the following year and unlocks extra perks.
Monthly Free Shipping
MVCs get access to monthly free shipping events for online purchases. This is a big deal if you shop on Kohls.com often, as shipping costs can add up. During these events, your orders ship free, no minimum purchase required.
Additional MVC Perks
Beyond free shipping, MVCs may receive extra discounts, such as 18 or more coupons per year, and a birthday gift. These perks make reaching MVC status worthwhile for frequent shoppers.
How to Achieve MVC Status
Track your spending to hit the $600 threshold. Use your Kohl’s Charge card for all Kohl’s purchases to get there faster. Once you’re an MVC, enjoy the added savings and convenience.
Example Savings
If you typically pay $10 in shipping per online order, free shipping events could save you $120 a year if you shop monthly. Combine this with other MVC discounts, and the savings grow.
How to Apply for Kohl’s Charge
Online Application
Applying for the Kohl’s Charge card is simple. Visit the Kohl’s credit card application page and fill out the form with your personal and financial details. Approval decisions are usually quick, often within minutes.
In-Store Application
You can also apply at any Kohl’s store. Ask an associate at the customer service desk to guide you through the process. You’ll need to provide similar information as the online application.
Approval Process
Capital One reviews your credit score and financial history. If approved, you’ll receive your card in the mail. Activate it at Kohls.com/activate or by calling the number on the card.
Getting Started
Once activated, you can use your Kohl’s Charge card immediately to enjoy the 40% first-purchase discount and start earning rewards. Check your account online to confirm activation.
Managing Your Kohl’s Charge Account
Accessing Your Account
Manage your Kohl’s Charge card online at Kohl’s card login. You can manage your Kohl’s Charge account to check your balance, transactions, and rewards. Create an account if you haven’t already by enrolling with your card details. From there, you can:
- Check your balance and transactions.
- Make payments or set up autopay.
- View and redeem Kohl’s Cash.
- Update personal information.
Making Payments
Pay your bill online, by mail, or in-store to avoid late fees. Paying in full each month is wise due to the card’s high APR, which can exceed 30%. You can make a payment right after a purchase in-store for instant credit.
Canceling Your Card
If you decide to cancel Kohl’s card, contact Capital One customer service via the number on your card or through your online account. Be aware that closing a credit card may affect your credit score, so weigh your options carefully.
Staying Organized
Use the Kohl’s app to track your rewards, payments, and exclusive offers. Set reminders for payment due dates to keep your account in good standing.
Tips for Maximizing Savings with Kohl’s Charge
To get the most out of your Kohl’s Charge card, follow these tips:
- Use your card for all purchases: Earn 7.5% rewards and work toward MVC status.
- Stack discounts: Combine cardholder coupons with sales and Kohl’s Cash.
- Shop during promotions: Time your purchases for maximum savings.
- Pay off your balance: Avoid interest charges by paying in full monthly.
- Track Kohl’s Cash: Use it before it expires to maximize value.
- Aim for MVC status: Spend $600 annually to unlock free shipping and more.
For more expert tips on using Kohl’s Charge, check out NerdWallet’s guide. These strategies can help you save hundreds of dollars a year, especially if you’re a regular Kohl’s shopper.
Frequently Asked Questions
Can I use my Kohl’s Charge card anywhere else?
No, the Kohl’s Charge card is a store card, usable only at Kohl’s stores and on Kohls.com.
What is the interest rate on the Kohl’s Charge card?
The APR is typically above 30%, so it’s best to pay your balance in full each month to avoid high interest charges.
How do I apply for Kohl’s card?
Apply online or in-store. Approval depends on your credit, and you’ll get a decision quickly.
Can I combine Kohl’s Charge discounts with other coupons?
Yes, you can often stack cardholder discounts with other Kohl’s promotions and Kohl’s Cash for bigger savings.
How do I check my Kohl’s Cash balance?
Log in to your Kohl’s account online or check the Kohl’s app to see your Kohl’s Cash balance and redemption dates.
What if I don’t reach the $600 MVC threshold?
You’ll still enjoy the 40% first-purchase discount, 7.5% rewards, exclusive coupons, and anniversary offer, but you won’t get MVC perks like free shipping events.
Benefits Summary Table
| Benefit | Description | How to Use |
|---|---|---|
| 40% First Purchase Discount | Save 40% on one transaction within 30 days of approval. | Use Kohl’s Charge at checkout; check exclusions. |
| 7.5% Rewards | Earn 7.5% back as Kohl’s Cash on every purchase. | Pay with Kohl’s Charge; redeem Kohl’s Cash later. |
| Exclusive Discounts | Get 15-30% off coupons monthly. | Apply coupons in-store or online during promotions. |
| Anniversary Offer | Receive a discount coupon yearly. | Use during specified period via barcode or code. |
| MVC Free Shipping | Free shipping events after $600 annual spend. | Achieve MVC status; shop during events. |
Conclusion
The Kohl’s Charge card is a powerful tool for frequent Kohl’s shoppers. With a 40% discount on your first purchase, 7.5% rewards on every purchase, exclusive cardholder discounts, a special anniversary offer, and access to free shipping events as an MVC, it’s designed to save you money. Plus, applying and managing the card is easy, with online tools to track your rewards and payments.
If Kohl’s is your go-to store, the Kohl’s Charge card can make your shopping more rewarding. Apply for Kohl’s card today, activate it at Kohls.com/activate, and start enjoying these exclusive benefits. Happy shopping!
