Kohl's Rewards® Visa® Card

BreadFinance Visa Pending

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7

Benefits

4

Reward Categories

7.5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: kohls-rewards-visa

Issuer: BreadFinance

Card Name: Kohl's Rewards® Visa® Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 14:21

Last Scraped: Feb 07, 2026 04:58

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Kohl's Purchases (Special Events) 7.5x Points Earn an additional 2.5 points per $1 spent (totaling 7.5 points per $1) on purchases made at Kohl's stores or Kohls.com when using a Kohl's Card during special promotional events. No Cap
Kohl's Purchases 5x Points Earn 5 points per $1 spent on purchases made at Kohl's stores or Kohls.com. No Cap
Dining & Groceries 2x Points Earn 2 points per $1 spent on eligible purchases at restaurants and grocery stores everywhere Visa is accepted, outside of Kohl's. No Cap
All Other Purchases 1x Points Earn 1 point per $1 spent on all other eligible purchases everywhere Visa is accepted, outside of Kohl's, dining, and groceries. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 7 Total
PENDING
Lifestyle 1
Birthday Gift
Annual gift

Receive a special birthday gift annually as a Kohl's Rewards member.

Shopping 5
Kohl's Rewards Earning (Kohl's Purchases)
5% back

Earn 5% back in Kohl's Rewards on every purchase made at Kohl's, every day, with no exclusions, when using your Kohl's Rewards Visa Card.

Kohl's Rewards Earning (Everywhere Else)
1% back

Earn 1% back in Kohl's Rewards on purchases made everywhere Visa credit cards are accepted, outside of Kohl's, when using your Kohl's Rewards Visa Card.

Kohl's Rewards Issuance and Expiration
$5 increments, 30-day expiration

Kohl's Rewards are issued in $5 increments and expire 30 days after issuance.

Exclusive Savings Offers
Varies

Access to exclusive savings offers throughout the year as a Kohl's Rewards member.

First Purchase Discount
25% off

Get an extra 25% off your first purchase when you open a Kohl's Rewards Visa Card.

Status Benefits 1
Most Valued Customer (MVC) Status Eligibility
Free shipping events (upon achieving status)

Spend $600 annually with your Kohl's Rewards Visa Card to achieve Most Valued Customer (MVC) status, which unlocks additional benefits like free shipping events.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $5 or 3% of the amount of each transfer, whichever is greater.
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%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No Interest if Paid in Full within the Promotional Period If you do not pay the promotional balance in full by the end of the promotional period, interest will be imposed from the date of purchase at the standard APR for purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Supported
Application Process
Available
Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Kohl's Rewards Visa requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident, possess a valid Social Security Number or ITIN, and demonstrate good to excellent credit history (typically FICO score 670+) with sufficient income to support new credit. Applications are subject to BreadFinance's credit approval process. Initial bonus offers commonly include a percentage off the first purchase (e.g., 20-35%) or a fixed dollar amount after meeting a small spend threshold within the first 30-90 days. Rewards earned (Kohl's Cash) and cardholder discounts are primarily applicable to purchases made at Kohl's stores or Kohls.com.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Common triggers for account shutdown or adverse action include: high cumulative credit exposure across all BreadFinance accounts relative to income, excessive credit applications with BreadFinance/Comenity in a short period, defaulting on any BreadFinance-issued account, suspicious or fraudulent activity, consistent failure to make timely payments, or abuse of Kohl's return policies or reward system.

Cliff Effect Rules: BreadFinance (formerly Comenity) does not typically enforce traditional 'cliff effect' rules tied to specific card families that would impact benefits or eligibility for other products. However, an applicant's overall credit exposure and number of existing accounts with BreadFinance can influence approval decisions and credit limits for new applications. There are no specific rules preventing an individual from holding multiple distinct BreadFinance-issued store cards, but total credit extended is a factor.

Special Events: Kohl's Rewards Visa cardholders frequently benefit from special events such as Kohl's Cash earning and redemption periods, Friends & Family sales (often 20% off), exclusive cardholder discount days (e.g., 15-30% off), and various seasonal clearance events (Spring, Summer, Fall, Winter).

Holiday Promos: Key promotional periods for Kohl's Rewards Visa cardholders include: Black Friday/Cyber Monday (November), the broader Christmas/Holiday Shopping Season (November-December), New Year's Sales (January), Valentine's Day (February), Mother's Day (May), Father's Day (June), Back-to-School (July-August), and major national holiday sales like Memorial Day, 4th of July, and Labor Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Frequent discounts and Kohl's Cash rewards provide significant savings for regular shoppers. The application process is generally straightforward, and approval is often possible with fair credit.

Top Negative:
The very high APR makes carrying a balance expensive. Some users report inconsistent customer service and occasional issues with payment processing or account management.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Target RedCard
  • Amazon Prime Rewards Visa Signature Card
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 2024