Kohl's Credit Card
Basic Information
Program ID: kohls-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Store Card
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:31
Last Scraped: 01/15/2026 11:09
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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: 2,124.00% - 2,924.00%
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: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The welcome offer for the Kohl's Credit Card is typically a percentage discount (e.g., 35% off) applied instantly at the point of sale for the first purchase made with the new card. This offer does not involve earning a fixed amount of points, miles, or cash, nor does it have a specific spend requirement beyond making the initial purchase. Therefore, the SignupBonusAmount and SignupBonusRequirementAmount are represented as 0.
Rewards Program
Reward Type: Kohl's Cash & Discounts
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.20%
Bonus Categories: Kohl's purchases (earning Kohl's Cash during promotional periods, and cardholder-exclusive discounts. Note: Kohl's card does not offer traditional points on non-bonus spend.)
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Kohl's Cash typically expires 7-10 days after issuance. Cardholder discounts are valid for specific promotional periods. (Note: This card does not accumulate points that expire over time like traditional rewards programs.)
Transfer Partners: N/A - Not a points transfer program
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Eligibility for the Kohl's Credit Card (issued by BreadFinance) in 2026 requires applicants to be at least 18 years of age, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to creditworthiness, typically requiring a fair to good credit score, though store cards can sometimes be more lenient than general-purpose credit cards. The primary 'bonus' is usually a significant discount on the first purchase (e.g., 20-35% off). Ongoing benefits include earning Kohl's Rewards (5% back on all eligible purchases, often issued as Kohl's Cash), exclusive cardholder discounts, and early access to sales events.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for initial bonus (typically an immediate first-purchase discount). Ongoing Kohl's Rewards accrue with every eligible purchase.
Shutdown Risk Triggers: Excessive product returns, suspected fraudulent activity, consistent non-payment or late payments, significant deterioration of credit score, high cumulative credit limit across multiple BreadFinance (Comenity/Alliance Data) accounts, or unusual spending patterns inconsistent with typical retail purchases.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Frequent shoppers appreciate the exclusive discounts, Kohl's Cash earnings, and special promotions. It's often easy to get approved, making it a good option for building credit.
Top Negative Feedback:
High APR, limited use only at Kohl's, and complaints about customer service or credit limit management are common. Rewards are store-specific and not always flexible.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One SavorOne Rewards
- Discover it Secured Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $112.50
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 40 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0