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Steven Dashiell is a credit cards staff writer at finder.com. He's worked on over 150 Finder articles to help readers embrace and maximize credit cards. Steven has nearly a decade of research and reporting experience, and has also been a reporter and editor for several healthcare newsletters.
Beyond offering fairly easy credit, the Kohl's Credit Card is light on perks. However, it does bring heavy discounts to the table: You’ll get 25% off your first order and then another 15% when your card arrives in the mail. After that you’ll get 12 discount offers every year.
To apply for the Kohl's Credit Card, you must be at least 18 years old.
Store cards typically have fairly lenient credit requirements. You’ll have a good chance of being approved with a good to excellent credit score of 680 or higher. However, you’ll likely be approved with a fair credit score of between 580 and 680.
1. Go to the Kohl’s website and click Apply Now.
2. Complete the application with your name, address, annual income and Social Security number.
Because conditional credit card approval is automated on the website, you’ll often get a decision within 60 seconds. It may take a few weeks for your card to arrive. In the meantime, you can ask a Kohl’s associate for a temporary card.
Kohl’s almost always has markdowns and flash sales across its site and in stores, with the biggest savings coming in for Black Friday and Cyber Monday. Holiday deals sometimes start as early as the first week of November, with savings getting better and better as Thanksgiving nears.
If you’re shopping in-store and forgot to bring your coupon, pull it up on your mobile device or ask at the checkout counter.
The Kohl's Credit Card isn’t packed with features, but it offers consistent store discounts throughout the year. If there’s another store you’re more interested in, compare other retail credit cards.
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