Kohl’s stores are known for their shoes, clothing, and accessories. In addition, it has a wide variety of household items, gifts, and other options. The Kohl’s credit card is an effective alternative if you seek a product to save money on your store purchases.
This product is issued by Capital One and is often referred to among users as “Kohl’s Charge” however, before purchasing it, you should know its benefits and drawbacks.
What bank issues Kohl’s credit card?
As we have mentioned, Kohl’s credit card is issued by Capital One. To have the highest value of the card, you need to keep track of the promotions, sales, and discounts they offer.
It is a credit card with multiple benefits; before acquiring it, you can evaluate the benefits available on the credit card. You have a 35% introductory discount that will be applied to the first purchase you make with the card.
You also get a 15% discount on other purchases when you receive your cards. You start enjoying discounts and exclusive monthly sales for cardholders when purchasing the product.
You can receive returns without a receipt and connect to Kohl’s Pay, an option to pay your credit card bills through the Kohl’s app. By spending $600 a year, you become a valued customer that will give you access to receive free shipping and birthday gifts.
Kohl’s credit card has no annual fee, allowing you to enjoy the product’s benefits without worrying about the membership fee, causing a reduction in your rewards.
How to apply for a Kohl’s credit card?
To access the product, you can do it through the Kohl’s website, in-store, or by phone. In all available ways, the procedure is the same as the requirements. You need to be a U.S. resident and wait for a credit check before receiving a response.
If you prefer to do the procedure online, you need to access the Kohl’s credit card application website and look for the “enroll now” option. The login page will appear, and the “sign up now” option will appear next.
All you have to do is fill in the appropriate fields with your name, Social Security number, address, and gross annual income. It is important to read the terms and conditions on the page to understand the fees and costs you must cover.
When you agree with everything, click “Continue,” and you will send the application for evaluation. To apply through the call service, you need to contact customer service at 1 – 855 – 564 – 5705.
Recommended Credit Score for Kohl’s Credit Card Approval
There is no established credit score to acquire the credit card because this is not the only factor they consider approving or not your card. But it is recommended to be higher than 600 to have a better chance.
Similarly, credit card issuers decide according to your income and debt with other lenders or credit cards. In any case, it is advisable to evaluate your credit history before starting the application.
Should I have a Kohl’s credit card?
The Kohl’s credit card is an alternative if you are a frequent customer of the store, are not tempted to overspend, and can pay off the debt monthly. You must meet these requirements to avoid hurting your credit score.