If you’re a loyal Kohl’s shopper, having a Kohl’s Credit Card can be a smart way to stretch your budget and unlock extra savings throughout the year. From exclusive discounts to special sales events and rewards, the Kohl’s Credit Card is designed to reward frequent shoppers and help you get the most out of every trip to the store. Here’s a closer look at how the card works, the benefits it offers, and some tips to manage it wisely.
What is the Kohl’s Credit Card?
The Kohl’s Credit Card—officially called the Kohl’s Charge Card—is a store credit card issued by Capital One exclusively for Kohl’s purchases. Unlike a traditional bank credit card, it can only be used at Kohl’s stores or on Kohls.com. While it doesn’t earn traditional points like a cashback or travel card, its real value comes from exclusive discounts and promotional offers throughout the year.
Key Benefits of the Kohl’s Credit Card
1. Extra Discounts:
Cardholders receive special offers at least 12 times a year—sometimes more. These offers often include 15% to 30% off entire purchases, in addition to sale prices and Kohl’s Cash promotions. Kohl’s frequently sends mailers or emails with scratch-off discounts, giving you an extra surprise savings boost.
2. Kohl’s MVC (Most Valued Customer) Status:
When you spend $600 or more with your Kohl’s Credit Card in a calendar year, you’re upgraded to Most Valued Customer (MVC) status. MVCs receive even more exclusive discounts and free shipping offers throughout the year.
3. Stacking Savings:
One of the biggest perks of using the Kohl’s Credit Card is the ability to stack discounts. Cardholders can combine percent-off offers with Kohl’s Cash and rewards from the Kohl’s Rewards program to maximize savings. For example, you might use a 30% off cardholder discount along with Kohl’s Cash earned on a previous purchase and a special sale price.
4. Advance Notice of Sales:
Kohl’s Credit Card members get early access to some of Kohl’s biggest sales events, including Black Friday and holiday promotions.
Managing Your Kohl’s Credit Card Account
It’s important to manage your Kohl’s Credit Card responsibly to get the most out of its perks without paying unnecessary fees or interest. Here are a few tips for staying on top of your account:
Also, check MyMilestoneCard
1. Register for Online Access:
Create an account at MyKohlsCard.com or through the Kohl’s app to easily view your balance, check available credit, make payments, and monitor transactions.
2. Pay On Time:
The Kohl’s Credit Card comes with a relatively high interest rate compared to general-purpose credit cards. To avoid paying interest, pay your balance in full each month and always pay by the due date to avoid late fees.
3. Set Up Alerts:
Enable account alerts and email reminders so you never miss a payment and can monitor your spending for any suspicious activity.
4. Understand Your Credit Limit:
Keep an eye on your available credit to avoid declined purchases and possible fees. Staying well below your limit can also help maintain a healthy credit utilization ratio, which is good for your credit score.
How Kohl’s Rewards and MyKohlsCard Work Together
Many Kohl’s shoppers wonder how the store’s Rewards program fits in with the credit card. Good news: they work together! Here’s how:
- Kohl’s Rewards: When you sign up for Kohl’s Rewards (which is free), you earn 5% Kohl’s Rewards on every purchase—no matter how you pay. That’s $5 in Kohl’s Cash for every $100 spent.
- Stacking Perks: When you pay with mykohlscharge, you still earn the same 5% in Kohl’s Rewards and can stack it with your exclusive cardholder discounts. Plus, you can apply any Kohl’s Cash you’ve earned from previous purchases.
- Bonus Days: From time to time, Kohl’s offers bonus Rewards promotions to earn even faster.
Extra Ways to Save with the Mykohlscard.com
Here are a few practical tips to make sure you’re squeezing every bit of value out of your Kohl’s Credit Card:
✅ Combine Offers Smartly: Wait for big cardholder sale events to make large purchases. Combine your percent-off discount with Kohl’s Cash redemption for maximum savings.
✅ Sign Up for Emails: Make sure you’re signed up for Kohl’s promotional emails. Cardholders often get surprise discount codes and special sale announcements.
✅ Watch the Calendar: Pay attention to the promotional calendar. Cardholders receive exclusive savings opportunities around major holidays, back-to-school shopping, and seasonal clearances.
✅ Plan Large Purchases Wisely: If you know you have a big shopping trip coming up (like back-to-school or holiday gifts), wait for a special 30% off cardholder event to get the best deal.
Is the Kohl’s Credit Card Right for You?
The Kohl’s Credit Card isn’t for everyone. Because it’s a store card, it typically has a higher APR than regular credit cards and can only be used at Kohl’s. But if you shop at Kohl’s often, pay off your balance in full each month, and take advantage of the exclusive discounts, it can easily pay for itself in savings.