Kohl's Credit Card
Basic Information
Program ID: kohls
Issuer: Capital One
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 11:59
Last Scraped: 01/15/2026 06:56
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $100.00
Time Period: 30 days
Bonus Timing: Kohl's Cash typically issued within 24-48 hours after the qualifying purchase is made and posted to the account.
Rewards Program
Reward Type: Kohl's Cash
Base Reward Rate: 5.00%
Bonus Reward Rate: 20.00%
Bonus Categories: All purchases at Kohl's stores and Kohls.com
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Kohl's Cash expires quickly, typically 7-10 days after issuance. Specific redemption windows apply.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 720
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Capital One Kohl's credit card primarily targets individuals with fair to good credit, often serving as an entry point for those building credit. Eligibility is based on creditworthiness, existing credit history, and Capital One's internal risk assessment. There is no traditional sign-up bonus with a spend requirement; instead, new cardholders typically receive an immediate discount (e.g., 20-35% off) on their first purchase upon approval. Capital One is known for being sensitive to recent credit applications across all issuers (e.g., 1-2 new accounts in the last 6-12 months may impact approval chances for any Capital One product). The specific 'once per lifetime' bonus restriction, such as that for the Venture X card, does not apply to the Kohl's store card.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: Not applicable for traditional sign-up bonus spend requirements. Initial discounts are typically applied immediately upon first purchase.
Shutdown Risk Triggers: Non-payment or late payments, defaulting on other Capital One accounts, suspicious activity, rapid application for multiple credit products (especially Capital One's), very low usage after initial discount, or significant changes in credit profile that indicate increased risk.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Strong rewards (5% back in Kohl's Cash) for frequent Kohl's shoppers, exclusive discounts, and no annual fee.
Top Negative Feedback:
High variable APR (31.24%), rewards are limited to Kohl's Cash, and limited utility for general spending if not approved for the Visa version.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Capital One Quicksilver
- Amazon Prime Rewards Visa Signature
- Target RedCard
Card Value Score: 75.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 70% Store / 30% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0