6
Benefits1
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Kohl's Purchases | 5x | Cash Back | Earn $5 Kohl's Cash for every $100 spent with your Kohl's Card at Kohl's. | No Cap |
Rewards Summary
PENDINGReward Type: Kohl's Rewards
Base Rate: 0x
Bonus Rate: 7.5x
Categories: Kohl's purchases (in-store and online at Kohls.com)
Quarterly Rotating: No
Expiration Policy: Kohl's Rewards expire 1 year after they are earned if not converted to Kohl's Cash. Kohl's Cash expires approximately 30 days after issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Kohl's Cash cannot be redeemed for cash. Minimum spend requirements may apply. Exclusions apply (e.g., Sephora at Kohl's, gift cards, specific brands).
Benefits & Protections (Detailed) 6 Total
PENDINGFinancial 1
No Annual Fee
No annual feeThere is no annual fee for carrying the Kohl's Card.
Rewards 1
Kohl's Cash® Rewards
5% Kohl's Cash®Earn 5% Kohl's Cash® on every purchase, every day when you use your Kohl's Card at Kohl's stores or Kohls.com. Kohl's Cash® is redeemable on future purchases.
Security 2
Fraud Coverage
Zero liability for unauthorized chargesYou are not responsible for unauthorized charges if your card is lost or stolen, thanks to Capital One's Zero Liability policy.
Security Alerts
Real-time alertsReceive alerts for suspicious activity on your account, helping to protect against fraud.
Shopping 2
Special Savings Events
Exclusive accessAccess to special savings events exclusively for Kohl's Cardholders.
Exclusive Cardholder Offers
Exclusive offersReceive exclusive offers and discounts available only to Kohl's Cardholders.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 3% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Capital One Kohl's card in 2026 is expected to require applicants to be 18 years or older, a U.S. resident, and possess a credit profile ranging from fair to good, though approval for the basic store card can sometimes be achieved with fair credit. Applicants should not have recent bankruptcies or defaults with Capital One. There is no traditional sign-up bonus with a spend requirement; instead, new cardholders typically receive an initial discount (e.g., 15-30%) on their first purchase. Ongoing benefits include exclusive cardholder discounts and Kohl's Cash earning opportunities. Capital One generally limits new applications to one every six months for their core products, and typically no more than two Capital One cards (including store cards) within a 30-day period. The 'once per lifetime' bonus restriction, as seen on premium cards like Venture X, does not apply to the Kohl's store card.
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable; the Kohl's card does not offer a traditional sign-up bonus with a spend requirement. Benefits are ongoing and tied to purchases at Kohl's.
Cliff Effect Rules: Not applicable. The Kohl's card is a standalone store card and does not fall under a broader card family with specific 'cliff effect' rules like the Capital One Venture or Savor families. Eligibility for other Capital One products is assessed independently, though overall credit profile and existing Capital One relationships are considered.
Special Events: Frequent Kohl's Cash earning periods (e.g., $10 Kohl's Cash for every $50 spent), exclusive cardholder discounts (e.g., 15-30% off specific purchases), birthday discounts, and early access to sales events.
Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, pre-Christmas sales, post-holiday clearance, Mother's Day, Father's Day, and back-to-school promotions. These periods often feature enhanced Kohl's Cash earning rates and deeper discounts for cardholders.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Good for frequent Kohl's shoppers, offers significant discounts and Kohl's Cash, easy to get approved.
Top Negative:
High APR, only useful at Kohl's, limited benefits outside of store promotions, can be difficult to manage credit limits.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Capital One SavorOne Student Cash Rewards
- Target RedCard
Card Value Score: 65.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: June 2024
Last Updated: Jun 01, 2024 00:00