Kohl's Rewards® Visa® Card
Basic Information
Program ID: kohls-rewards-visa
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:21
Last Scraped: 01/15/2026 14:23
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% - 2,999.00%
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: $100.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Kohl's Cash is typically issued within 7-14 days after the spend requirement is met and the statement closes, delivered via email or added to your Kohl's Rewards account.
Rewards Program
Reward Type: Kohl's Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Kohl's
Point Value Estimate: 0.0500 cents/point
Expiration Policy: Points expire after 12 months of account inactivity. Issued Kohl's Cash has a specific expiration date (typically 7-10 days).
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Kohl's Rewards Visa, issued by Bread Financial, is expected to continue offering new cardholders a significant discount (e.g., 20-35%) on their first purchase made with the card. Eligibility requirements typically include being at least 18 years old, having a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a U.S. mailing address, and meeting Bread Financial's creditworthiness criteria (generally requiring good to excellent credit). Applicants must not have recently opened or closed a Kohl's credit account to be eligible for new cardholder bonuses.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: N/A (Bonus tied to first purchase)
Shutdown Risk Triggers: Manufactured spending, excessive returns after using discounts, high credit utilization, defaulting on payments, sudden large purchases inconsistent with spending history, suspected fraud, or multiple applications for Bread Financial products in a short period leading to high cumulative credit exposure.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Strong rewards for Kohl's loyalists, ability to earn Kohl's Cash on everyday purchases, frequent exclusive discounts.
Top Negative Feedback:
High APR, limited redemption options (only Kohl's Cash), customer service can be inconsistent, not competitive for general spending.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 40% General / 60% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023