What are Kohl's credit cards and why should you consider getting one?
Kohl's credit cards are a great way to save money on your purchases at Kohl's. They offer a variety of benefits, including rewards points, exclusive discounts, and special financing options. Plus, you can earn Kohl's Cash rewards every time you use your card, which can be redeemed for even more savings.
There are two main types of Kohl's credit cards: the Kohl's Rewards Card and the Kohl's Charge Card. The Kohl's Rewards Card is a traditional credit card that allows you to earn rewards points on all of your purchases. The Kohl's Charge Card is a store-only card that can only be used at Kohl's. However, it offers some exclusive benefits, such as a higher rewards rate and no annual fee.
Whether you're a frequent Kohl's shopper or just looking for a new credit card, Kohl's credit cards are a great option. They offer a variety of benefits that can save you money and make your shopping experience more rewarding.
Kohl's Credit Cards
Kohl's credit cards offer a variety of benefits to cardholders, including rewards points, exclusive discounts, and special financing options. There are two main types of Kohl's credit cards: the Kohl's Rewards Card and the Kohl's Charge Card.
- Rewards: Kohl's Rewards Cardholders earn 5% back in Kohl's Cash on every purchase, and 15% back during Kohl's Cash promotional events.
- Discounts: Kohl's Rewards Cardholders receive exclusive discounts on Kohl's merchandise, including 30% off on the first purchase.
- Financing: Kohl's Charge Cardholders can take advantage of special financing options, such as 0% APR for 12 months on purchases of $200 or more.
- Convenience: Kohl's credit cards can be used anywhere Visa or Mastercard is accepted.
- Security: Kohl's credit cards are protected by fraud protection and zero liability.
- Customer service: Kohl's credit cardholders have access to 24/7 customer service.
- Easy to apply: You can apply for a Kohl's credit card online or in-store.
Overall, Kohl's credit cards offer a number of benefits to cardholders, making them a great option for frequent Kohl's shoppers.
Rewards
The rewards program is one of the most important benefits of Kohl's credit cards. Kohl's Rewards Cardholders earn 5% back in Kohl's Cash on every purchase, and 15% back during Kohl's Cash promotional events. Kohl's Cash can be redeemed for future purchases at Kohl's, making it a valuable way to save money.
For example, if you spend $100 at Kohl's, you will earn $5 in Kohl's Cash. This Kohl's Cash can then be used to save $5 on your next purchase. If you shop at Kohl's frequently, the rewards can really add up.
The rewards program is just one of the many benefits of Kohl's credit cards. Other benefits include exclusive discounts, special financing options, and convenient payment options. If you are a frequent Kohl's shopper, a Kohl's credit card is a great way to save money and make your shopping experience more rewarding.
Discounts
Exclusive discounts are another major benefit of Kohl's credit cards. Kohl's Rewards Cardholders receive exclusive discounts on Kohl's merchandise, including 30% off on the first purchase. These discounts can be combined with other Kohl's promotions, making it possible to save even more money.For example, if you are a Kohl's Rewards Cardholder and you use your card to purchase a $100 item during a 20% off sale, you will save a total of 50%. This is because you will receive 30% off for being a Kohl's Rewards Cardholder and an additional 20% off for the sale.The exclusive discounts offered by Kohl's credit cards are a valuable benefit for cardholders. These discounts can save you a significant amount of money on your purchases, especially if you shop at Kohl's frequently.Here are some additional benefits of Kohl's credit cards:
- Special financing options, such as 0% APR for 12 months on purchases of $200 or more.
- Convenient payment options, such as online bill pay and automatic payments.
- 24/7 customer service.
Overall, the exclusive discounts offered by Kohl's credit cards are a valuable benefit for cardholders. These discounts can save you a significant amount of money on your purchases, especially if you shop at Kohl's frequently.
Financing
Special financing options are another major benefit of Kohl's credit cards. Kohl's Charge Cardholders can take advantage of special financing options, such as 0% APR for 12 months on purchases of $200 or more. This can be a great way to save money on big purchases, such as furniture or appliances.
For example, if you purchase a $1,000 refrigerator using your Kohl's Charge Card, you will not have to pay any interest for the first 12 months. This can save you a significant amount of money, especially if you are unable to pay off the balance in full within the first year.
The special financing options offered by Kohl's credit cards are a valuable benefit for cardholders. These options can save you money on big purchases and make it easier to budget for your expenses.
Overall, the special financing options offered by Kohl's credit cards are a valuable benefit for cardholders. These options can save you money on big purchases and make it easier to budget for your expenses.
Convenience
One of the major benefits of Kohl's credit cards is their convenience. Kohl's credit cards can be used anywhere Visa or Mastercard is accepted. This means that you can use your Kohl's credit card to make purchases at millions of stores, restaurants, and online retailers.
- Global acceptance: Kohl's credit cards are accepted at millions of locations worldwide, making them a convenient option for travelers.
- Online shopping: Kohl's credit cards can be used to make purchases at any online retailer that accepts Visa or Mastercard. This makes it easy to shop for the latest trends and find the best deals.
- In-store convenience: Kohl's credit cards can be used to make purchases at any Kohl's store. This makes it easy to shop for your favorite Kohl's products and take advantage of exclusive discounts and promotions.
The convenience of Kohl's credit cards is a major benefit for cardholders. With Kohl's credit cards, you can shop anywhere, anytime, and enjoy the peace of mind that comes with knowing that your card will be accepted.
Security
Security is a major concern for consumers when using credit cards. Kohl's credit cards offer peace of mind with fraud protection and zero liability. Fraud protection helps to protect cardholders from unauthorized purchases, while zero liability means that cardholders are not responsible for fraudulent charges.
Fraud protection is an important feature of Kohl's credit cards because it helps to protect cardholders from identity theft and unauthorized purchases. Kohl's uses a variety of fraud protection measures, including:
- Address Verification System (AVS)
- Card Verification Value (CVV)
- Fraud monitoring
In conclusion, the security features of Kohl's credit cards are a major benefit for cardholders. These features help to protect cardholders from fraud and unauthorized purchases, giving them peace of mind when using their Kohl's credit card.
Customer service
Excellent customer service is an essential component of any successful business, and Kohl's is no exception. Kohl's credit cardholders have access to 24/7 customer service, which can be a major benefit in the event of a problem or question.
- Resolving issues quickly: If you have a problem with your Kohl's credit card, you can call customer service 24 hours a day, 7 days a week. This means that you can get help resolving your issue quickly and efficiently, without having to wait until business hours.
- Getting answers to questions: If you have a question about your Kohl's credit card, you can call customer service 24 hours a day, 7 days a week. This can be helpful if you are trying to understand your statement or if you have a question about a particular transaction.
- Peace of mind: Knowing that you can get help with your Kohl's credit card 24 hours a day, 7 days a week can give you peace of mind. This is especially important if you are traveling or if you are worried about fraud.
Overall, the 24/7 customer service offered by Kohl's credit cards is a valuable benefit for cardholders. This service can help you resolve issues quickly, get answers to questions, and have peace of mind.
Easy to apply
Applying for a Kohl's credit card is easy and convenient. You can apply online or in-store, making it simple to get started with the benefits of a Kohl's credit card.
- Online application: Applying for a Kohl's credit card online is quick and easy. You can complete the application in just a few minutes, and you will receive a decision instantly.
- In-store application: You can also apply for a Kohl's credit card in-store. Simply visit the customer service desk and ask for an application. A customer service representative will be happy to assist you with the application process.
Once you have applied for a Kohl's credit card, you will receive a decision within a few days. If you are approved, you will receive your new credit card in the mail within 7-10 business days.
Applying for a Kohl's credit card is easy and convenient, and it can provide you with a number of benefits, including rewards points, exclusive discounts, and special financing options.
FAQs About Kohl's Credit Cards
Kohl's credit cards offer a variety of benefits, including rewards points, exclusive discounts, and special financing options. However, there are also some common questions and concerns that people have about Kohl's credit cards.
Question 1: Are Kohl's credit cards only good at Kohl's stores?
Answer: No, Kohl's credit cards can be used anywhere Visa or Mastercard is accepted. This means that you can use your Kohl's credit card to make purchases at millions of stores, restaurants, and online retailers.
Question 2: Are there any fees associated with Kohl's credit cards?
Answer: There is no annual fee for the Kohl's Rewards Card. However, there is a $39 annual fee for the Kohl's Charge Card. Additionally, both cards have a late payment fee of up to $38 and a returned payment fee of up to $27.
Question 3: What is the credit limit for Kohl's credit cards?
Answer: The credit limit for Kohl's credit cards varies depending on your creditworthiness. However, most people can expect to receive a credit limit of $300 to $1,000 when they first open their account.
Question 4: Can I use my Kohl's credit card to make online purchases?
Answer: Yes, you can use your Kohl's credit card to make online purchases anywhere Visa or Mastercard is accepted. However, you will need to create a Kohl's.com account in order to do so.
Question 5: What are the benefits of using a Kohl's credit card?
Answer: There are many benefits to using a Kohl's credit card, including:
- Rewards points
- Exclusive discounts
- Special financing options
- Convenient payment options
- 24/7 customer service
Question 6: How do I apply for a Kohl's credit card?
Answer: You can apply for a Kohl's credit card online or in-store. The application process is quick and easy, and you will receive a decision within a few days.
Summary of key takeaways or final thought: Kohl's credit cards offer a number of benefits, but it is important to understand the fees and terms before applying for a card. By understanding the FAQs about Kohl's credit cards, you can make an informed decision about whether or not a Kohl's credit card is right for you.
Transition to the next article section: If you are interested in learning more about Kohl's credit cards, please visit the Kohl's website or speak to a customer service representative.
Conclusion
Kohl's credit cards offer a variety of benefits to cardholders, including rewards points, exclusive discounts, and special financing options. However, it is important to understand the fees and terms before applying for a card.
If you are a frequent Kohl's shopper, a Kohl's credit card can be a great way to save money and make your shopping experience more rewarding. However, if you are not a frequent Kohl's shopper, or if you have bad credit, you may want to consider other credit card options.
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