Kohl’s Charge Card: Features, Rewards, Fees, And Payments
The Kohl’s Charge Card is a store credit card designed for purchases at Kohl’s. It offers cardholder discounts, rewards, and online account management.
The card is issued by Capital One, N.A. and differs from the Kohl’s Rewards Visa. Understanding that distinction helps shoppers choose the right card and understand where it can be used.
What Is The Kohl’s Charge Card?
The Kohl’s Card is a private-label credit card intended for purchases at Kohl’s stores and through its shopping website.
Eligible cardholders can receive special discounts and earn Kohl’s Rewards on qualifying purchases. Credit approval is required, and benefits depend on the current card and rewards terms.
How Is The Kohl’s Card Different From The Kohl’s Rewards Visa?
The Kohl’s Card is restricted to Kohl’s purchases, while the Kohl’s Rewards Visa can be used at other merchants accepting Visa.
Both cards offer Kohl’s-related rewards, but the Visa also earns rewards on qualifying purchases outside Kohl’s. Applicants may be considered for either product, depending on the issuer’s approval process.
What Rewards Does The Kohl’s Charge Card Offer?
Cardholders who link their card to Kohl’s Rewards can earn rewards on qualifying purchases. Kohl’s advertises a 7.5% rewards rate for eligible purchases made with the store card.
Rewards are subject to program rules, exclusions, and adjustments for returns. Kohl’s Cash is generally issued in $5 increments according to the program’s monthly schedule.
What Purchases Qualify For Rewards?
Qualifying Kohl’s purchases can earn rewards after applicable coupons and discounts. Taxes, shipping, and certain fees are excluded from the rewards calculation.
Gift card purchases and other excluded transactions may not qualify. Returns and price adjustments can also reduce the rewards earned on a transaction.
Does The Kohl’s Card Offer An Initial Discount?
Kohl’s has advertised a discount for eligible new card applicants on a qualifying first purchase. The exact offer can change and may exclude certain merchandise or transactions.
Applicants should review the current promotion’s terms before applying or making a purchase.
What Is The Kohl’s Charge Card Interest Rate?
The Capital One card agreement dated March 31, 2026, lists a 29.49% variable purchase APR for the applicable Kohl’s Card agreement.
The agreement calculates the purchase APR using the Prime Rate plus 22.74%. Actual account terms may differ, so cardholders should check their own agreement and statements.
How Can You Avoid Interest Charges?
Paying the required statement balance in full by the due date generally helps eligible cardholders avoid interest on purchases.
Paying only the minimum amount due may keep the account current but can still result in interest charges. Promotional financing may have separate conditions that require careful review.
What Fees Does The Kohl’s Charge Card Have?
The published card agreement lists no annual fee. It also lists a late payment fee of up to $40.
Other charges or account conditions may apply depending on the transaction and applicable agreement. Review the latest card terms before opening an account.
How Do You Apply For A Kohl’s Charge Card?
Customers can apply through Kohl’s official credit card page. Approval depends on the issuer’s credit review and applicable eligibility requirements.
Applicants may be considered for the Kohl’s Card or the Kohl’s Rewards Visa. The product approved determines where the card can be used and which rewards terms apply.
Where Can You Apply?
Start through the official Kohl’s Card page. Review the current offer and terms before submitting an application.
How Do You Pay Your Kohl’s Charge Card Bill?
Kohl’s card payments and account servicing are handled through Capital One’s online platform.
Cardholders can use their account to review statements, check transactions, make payments, and arrange automatic payments where available.
Can You Pay Online?
Yes. Visit the official Kohl’s card account portal to access account management and payment options.
You can also review the payment instructions on your statement. Use the issuer’s official contact details if you need help with a payment or account issue.
How Do You Manage Your Kohl’s Card Account?
Online account management helps cardholders track spending and payment obligations.
Depending on account access, available features include reviewing transactions, viewing statements, checking payment due dates, scheduling payments, and managing account information.
Checking statements regularly can also help identify unfamiliar purchases before they become larger account problems.
What Should You Do About An Unrecognized Credit Card Charge?
An unfamiliar transaction may relate to a recent purchase, an online order, a return adjustment, or an authorized user. Check receipts and order histories before deciding that the charge is fraudulent.
If the transaction remains unexplained, contact the card issuer using the number on your statement or the official account portal. Report suspected unauthorized activity promptly and retain relevant records.
For context, BillionFire also explains other unfamiliar statement descriptions, including a Scrshin.com charge, a GSI charge, and the meaning of an FTA charge. These describe separate search topics and should not automatically be attributed to Kohl’s.
Frequently Asked Questions
Is The Kohl’s Charge Card A Visa?
No. The Kohl’s Card is a private-label store credit card. The separate Kohl’s Rewards Visa can be used at merchants accepting Visa.
Who Issues The Kohl’s Charge Card?
Capital One, N.A. is identified as the issuer in the published Kohl’s Card agreement.
Does The Kohl’s Card Have An Annual Fee?
The published agreement lists no annual fee. Customers should review their applicable agreement for the terms governing their account.
What Is The Kohl’s Charge Card APR?
The agreement dated March 31, 2026, lists a 29.49% variable purchase APR for the applicable card agreement. The rate may change, and individual terms can differ.
How Do You Pay A Kohl’s Charge Card Bill?
Cardholders can access the Capital One Kohl’s account portal to review statements, make payments, and manage eligible account features.
Final Takeaways
The Kohl’s Charge Card is a store credit card issued by Capital One, N.A. It offers rewards and discounts on qualifying Kohl’s purchases, but it differs from the broader-use Kohl’s Rewards Visa.
Before applying, compare the current rewards terms, interest rate, fees, and eligibility requirements. Existing cardholders should review statements regularly, pay on time, and contact the issuer promptly about unexplained transactions.