Kohl's - Credit Card Review

I never intended to sign up for a Kohl's credit card, but after making a large in-store purchase one day, the opportunity to receive 10% off my entire purchase was too tempting to refuse.  Kohl's had me hook, line, and sinker. 

While I try to curb my online spending, it can be difficult to do that when Kohls.com has some great clearance sales.  Add to that, the coupons that I receive for additional discounts as well as coupon codes for free shipping, then I'm one happy shopper.

PROS:

There is no annual fee.

Kohl's always seems to be having a sale, both in-store and online.

As a Kohl's credit card holder, you will often receive coupons and catalogs.

Easy online account access and bill payment options.

Each billing period is approximately one month in length (I've seen credit cards that are only 23 days).

CONS:

The Annual Percentage Rate (APR) of 21.90% is high if you don't pay off your balance in full each month.

A low credit limit of $1500.00 (although, some people may appreciate this).

If you aren't a regular Kohl's shopper, then this card may end up being just another store credit card that takes up space in your wallet. 

If you are an avid Kohl's shopper who loves to get the good deals, and who also pays off your balance each month, then I highly recommend signing up for the Kohl's credit card.