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.