Kohl's Credit Card

BreadFinance Pending

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8

Benefits

1

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: kohls-credit-card

Issuer: BreadFinance

Card Name: Kohl's Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:31

Last Scraped: Feb 02, 2026 17:32

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Kohl's Purchases 5x Cash Back Earn 5% in Kohl's Rewards on qualifying purchases made at Kohl's stores or on Kohls.com when using your Kohl's Card. No Cap
Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 8 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

The Kohl's Credit Card does not charge an annual fee.

Shopping 4
Kohl's Rewards Earning Rate
5% back in Kohl's Rewards

Earn 5% in Kohl's Rewards on every purchase made with your Kohl's Credit Card, every day, with no exclusions. Rewards are issued in $5 increments.

Kohl's Rewards Expiration
30-day expiration

Kohl's Rewards earned with your Kohl's Credit Card expire 30 days after issuance.

Exclusive Cardholder Discounts
Varies by offer

Receive exclusive discounts and special savings offers throughout the year, available only to Kohl's Credit Cardholders.

First Purchase Discount
Up to 35% off first purchase

New Kohl's Credit Cardholders typically receive a special discount on their first purchase upon account approval, often advertised as 35% off.

Status Benefits 3
Most Valued Customer (MVC) Status Earning
Spend $600 annually

Spend $600 or more annually with your Kohl's Credit Card to achieve Most Valued Customer (MVC) status.

MVC Exclusive Savings Offers
At least 6 additional offers

Most Valued Customers (MVCs) receive at least 6 additional exclusive savings offers throughout the year.

MVC Birthday Gift/Offer
Special birthday offer

Most Valued Customers (MVCs) receive a special birthday gift or offer.

Benefits Summary (Flags)
PENDING

Extended 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: $41.00
Returned Payment: $30.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ No Interest if paid in full within 6, 12, 18 or 24 months on qualifying purchases. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18 or 24 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Supported
Application Process
Available
Not specified
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Kohl's credit card (issued by BreadFinance) in 2026 requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number or ITIN, and possess a fair to good credit history. Applicants should not have an excessive number of recent credit inquiries or new accounts with BreadFinance that could indicate high credit risk. The primary 'bonus' for new cardholders typically includes a significant percentage off their first purchase (e.g., 20-35%) upon approval, followed by ongoing exclusive cardholder discounts, special Kohl's Cash earning opportunities, and access to promotional events.

Max Cards Per Issuer: 1

Min Spend Interval: Not applicable for a traditional sign-up bonus; primary benefits are immediate first-purchase discounts and ongoing cardholder promotions.

Shutdown Risk Triggers: Excessive returns, consistent late or missed payments, high credit utilization on the Kohl's card, suspected fraudulent activity, or opening multiple BreadFinance accounts in a short period leading to high cumulative credit exposure across the issuer's portfolio.

Cliff Effect Rules: Not applicable in the traditional sense of card family benefits. However, closing the Kohl's credit card will result in the immediate loss of exclusive cardholder discounts, special Kohl's Cash earning rates, and potential loss of 'Most Valued Customer' (MVC) status benefits tied to card usage.

Special Events: Kohl's Cash earning periods, Friends & Family discount events, specific category sales (e.g., Home, Apparel), cardholder-exclusive savings days, and bonus Kohl's Rewards points promotions.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, Back-to-School, Memorial Day, Labor Day, and other seasonal sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Excellent for frequent Kohl's shoppers, offers significant discounts and Kohl's Cash rewards, easy approval process for store loyalty.

Top Negative:
High APR, limited utility outside of Kohl's stores, can be difficult to manage credit limits and promotional offers.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Target RedCard
  • Capital One Platinum Secured Credit Card
  • Discover it Secured Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $200.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Feb 01, 2024 00:00