Kohl's - Credit Card

Kohl's - Credit Card Reviews



Overall 4 star rating4.09 of 5 (by 33 users)



Kohl's - Credit Card Review Summary

Store credit cards are fairly easy to come by, but some are still superior to others and one credit card that is rated highly among reviewers is Kohl’s Credit Card, the credit card issued by the popular retailer. Kohl’s Credit Card offers no annual fee and many different incentives to encourage sales. Monthly percentage discounts and special deals for cardholders are among the many features that set Kohl’s Credit Card apart from the competition. Kohl’s Credit Card does have a higher than average interest rate, but Kohl’s Credit Card offers “Yet Another Excuse to Shop at Kohl’s” and it ranks among the best Credit Cards available to the public.
42% of people rated Kohl's - Credit Card as 5 stars
42% of people rated Kohl's - Credit Card as 5 stars%
42%
36% of people rated Kohl's - Credit Card as 4 stars
36% of people rated Kohl's - Credit Card as 4 stars%
36%
16% of people rated Kohl's - Credit Card as 3 stars
16% of people rated Kohl's - Credit Card as 3 stars%
16%
No one rated Kohl's - Credit Card as 2 stars
No one rated Kohl's - Credit Card as 2 stars%
0%
6% of people rated Kohl's - Credit Card as 1 star
6% of people rated Kohl's - Credit Card as 1 star%
6%
87% 87% of people recommend Kohl's - Credit Card 13% of people don't recommend Kohl's - Credit Card 13%
 

Kohl's - Credit Card Comparison

4 star rating Most Helpful
Favorable Review
FEB
18
2008
 

I have several different credit cards in my wallet. Even though I am fully aware of the potential financial hazards of credit card ownership, I like to have several different credit cards because I like to take advantage of the latest offers. One credit card that I recently obtained is a card issued...

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2009 VIP
paying cash, an moderate investor

Bryan-Carey
Houston, TX
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3 star rating Most Helpful
Critical Review
JUN
23
2008
I have had a Kohl's card for at least 9 years, just recently I've decided to use the online payment option.  The online payment application appears to work only 45% of the time.   You can very rarely get past the login information before the website starts to "flake out"!
reviewer
Every day computer user

styrel
Princeton, NJ
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Kohl's - Credit Card Ratings and Reviews

items/page: 15 | 30 | 50 displaying 1 to 13 of 33 sort by: most helpful | date | rating


6
helpful
votes
don't carry a balance, in debt, Every day computer user, saving a little

JUN
23
2008
The Kohl's card is the only department store card I own - and the only one I want to own. First, they give you a discount on your purchase when you sign up (as does just about everyone!), but then they keep giving you discounts. There are special Kohls card days, and if you spent about $200 in a year, you become an MVP and they mail you coupons once a month that you can use to get an extra percentage off on any day you choose.

A little known fact about purchases with your Kohl's card - there is a no questions asked return policy. We bought a KitchenAid pasta attachment (not cheap!) and it broke...
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5 star rating
2008 Reviewer
a100indecisions
Brookfield, IL



4
helpful
votes
an moderate investor, homeowner, saving a little, an online shopper

JUL
8
2008

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...

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5 star rating
2009 Advisor
mindyvol
Garden City, MI



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4
helpful
votes
paying cash, Every day computer user, an moderate investor

FEB
24
2008
I dont' use many credit cards other than my check-card to my checking account, but this one I do use at times.  As long as I pay at least 1/3 of my bill by the next billing date, I have no finance charge.  So I'm paying same as cash.  Nice option.
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5 star rating
reviewer 2008 Contributor
jillht
Nazareth, PA



3
helpful
votes
saving a little

MAR
3
2008
I don't like to use credit unless it's an absolute emergency.  However, being a frequent shopper at Kohl's for holidays, birthdays, gifts and myself, it has been worth all the discounts to apply for a Kohl's card.  On one shopping experience I spent over $100 and with my discounts, coupons etc. my bill was about $20.00.  This is probably an exception and not the rule.  But the shopping experience using my credit card definitely paid off.
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4 star rating
reviewer
jandgpg
Grayling, MI



2
helpful
votes
Every day computer user, an aggressive saver, an early adopter, a dog owner, value conscious, interested in comfort, married, daily driver

JUN
24
2008
This card is great if you do a lot of shopping at Kohls or Kohls.com.  There are many benefits, such as the MVC club where you get special savings throughout the year on top of the already great sales.  I get an extra percentage off many times a year plus free shipping on most of my purchases.  I love the great deals that this card brings me.
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5 star rating
jenzmonte
Decatur, IL



2
helpful
votes
don't carry a balance, an aggressive investor

AUG
8
2008

I do not like to carry store cards, but the Kohl's card is clearly a good one to have because of the 15% discount days coupled with their excellent sales.  They also carry clothing that my entire family likes to wear.  My problem is with the financial end of the card service.  I will admit that I let the card lapse for 30 days one time a few years ago, but then I paid it off in full as usual.  I was traveling like crazy for work in that period and just lost track of a few things.  I just checked my credit report recently and found out that Kohl's/Chase had given me a negative mark for that...
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3 star rating
reviewer
brgal
Wilmington, DE



1
helpful
vote
an moderate investor

SEP
8
2009

Love the stores....shop for mostly clothes, large selection!  I recently got on-line to "try" and pay my bill with my bank card. I went around and around before finally calling customer service for help.  Only to find out.....you can't....soo really this is only for shopping for new items to put on your Kohl"s card.  Frustrated, to say the least! Sad that you have to have checks to pay your bill.  *Warning* to the next customer, don't go w/o checks. If you need to pay-over-the-phone, there will be a $5 charge added to your bill. Nice, huh?! I thought so.

J Robb

 


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3 star rating
reviewer
jenniferR
Hayward, WI



1
helpful
vote
an aggressive saver

JUN
24
2008
  I love to shop at Kohl's department store. They always have great sales and clearance items each and every week. When you receive their ads in the mail and they come with one of their discount cards, you know to get on over to one of their stores. Using their Kohl's credit cards with the discount card will save you a lot of money. Even when I don't "need" anything from their store, I still go check out their sales because I always find great deals when I use my Kohl's credit card. If you don't have a Kohl's credit card, you just "have" to get one. It will save you money everytime!
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5 star rating
reviewer
coolnama
Smyrna, TN



1
helpful
vote

JUN
23
2008

This is one great credit card! I love the fact that they give you the option to pay a certain dollar amount each month in return for no finance charge.  This is truly a win-win! It's totally up to you, the consumer, to pay that payment or pay whatever you can afford. This is one card that makes me feel appreciated and rewarded.  More credit card companies need to take a lesson from Kohls!! They would be rewarded with more loyal customers. They would still reap the return from those who always carry a balance. The difference with the Kohls Charge Card is that they give you an option.


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5 star rating
reviewer
debsmr
Southington, CT



2
helpful
votes
BUsy Bee, saving a little

APR
9
2008
I do like being able to make chgs and then pay for them later, also you get extra discounts when you use your card all the time. 10-30% off helps alot. I hated the fact that they took pay over 90 days away from my area, but still continue to use my card beacuse of the discounts.
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3 star rating
reviewer 2008 Contributor
Showbiz
Greensboro, NC



D
Every day computer user

JUN
23
2008

They require you mail you payments 10 days prior to the due date. If they receive it 1 day late, they charge you $25.00 and are inflexible regarding this. I have never seen such  requirements from other store charges (and I have several!) that it takes 10 days for them to receive and process a full paymethnt. They chose to loose my business than work with this. I had mailed my payment 7 days prior!

I'll use my HSBC Mastercard. They are much more flexible and pleasabt to deal with!


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1 star rating
reviewer
MaiaMom
Webster, NY



D
Every day computer user, a low risk investor, saving a little

JUL
6
2008

The Kohl's MVC card is great.  I can save an additional 15% 3 times a year and getting the extra 15, 20 or 30% savings is great too.  I have always had the best service and returning things are never a hassle.  I use the Kohl's card every time I shop at Kohl's and when they have a special percent off or if you spend $50 you get $10 in Kohl's cash, the card is definitely worth it.  I have had my card for about 15 years and have never regretted opening the account. 

 


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5 star rating
reviewer
Poochi
Westerville, OH



D
Every day computer user, a low risk investor

JUN
23
2008

This is an awesome card if you can make your payments on time.  Kohl's often sends out coupons (enclosed in your bill) to use on top of the sale prices, which makes for a great deal. 

 The interest rate is pretty high, however, so I wouldn't use it unless you can pay off the balance right away.  Otherwise, the discount really is useless.


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4 star rating
reviewer
fitness062374
Granite City, IL



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