Credit Cards
Capital One Kohl’s Rewards® Visa Review: Up to 7.5% Cashback!
A store card that works beyond the store? The Capital One Kohl’s Rewards Visa earns rewards anywhere Visa is accepted. Smart choice or marketing gimmick? We explore it all!
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Earn More on Kohl’s Purchases Without Paying an Annual Fee
If you’re a frequent Kohl’s shopper looking for a way to earn more rewards beyond just in-store purchases, the Capital One Kohl’s Rewards® Visa might be the perfect addition to your wallet.
Issued by Capital One, this credit card allows users to earn rewards not only at Kohl’s but also on everyday purchases like gas and groceries.
| Capital One Kohl’s Rewards® Visa Key Highlights |
|---|
| ✅ 7.5% back in rewards on all Kohl’s purchases. |
| ✅ 3% back on gas, 2% on groceries, 1% everywhere else Visa is accepted. |
| ✅ No annual fee. |
| ❌ High APR, making it important to pay balances in full. |
| ❌ Rewards automatically convert into Kohl’s Cash, which expires in 30 days. |
What is the Capital One Kohl’s Rewards® Visa?
The Capital One Kohl’s Rewards® Visa is an upgraded version of the traditional Kohl’s store credit card.
Unlike the original Kohl’s Card, which could only be used at Kohl’s stores, this Visa-branded card can be used anywhere Visa is accepted.
The biggest advantage? You can now earn rewards on purchases beyond Kohl’s and redeem them as Kohl’s Cash.
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Key Benefits of the Capital One Kohl’s Rewards® Visa
1. Earn More Rewards Everywhere You Shop
With this card, you can earn Kohl’s Rewards on a variety of purchases, including:
- 7.5% back in rewards on all purchases made at Kohl’s.
- 3% back in rewards on gas purchases.
- 2% back in rewards on groceries.
- 1% back in rewards on all other purchases where Visa is accepted.
Rewards accumulate in your account and automatically convert into Kohl’s Cash in $5 increments at the start of each month.
2. No Annual Fee
One of the best things about this card is that there’s no annual fee, making it a low-cost way to earn rewards on Kohl’s purchases and everyday spending.
3. Visa Signature Perks
As a Visa Signature card, the Kohl’s Rewards® Visa also provides access to premium benefits, including:
- 24/7 concierge service.
- Travel and emergency assistance.
- Extended warranty protection on eligible purchases.
4. Access to Exclusive Kohl’s Discounts
Kohl’s Rewards® Visa cardholders also get the same exclusive discounts and offers as traditional Kohl’s cardholders, including:
- Special Kohl’s discount days.
- Personalized coupons and promotions.
- Stackable savings with Kohl’s Cash and Kohl’s Rewards.
Potential Drawbacks
1. High APR (Interest Rate)
Like many store credit cards, the Kohl’s Rewards® Visa comes with a high variable APR, meaning carrying a balance could result in significant interest charges. If you don’t plan to pay off your balance in full each month, this card may not be the best option.
2. Rewards Are Kohl’s-Centric
Although you can earn rewards on purchases outside of Kohl’s, all of your earnings convert into Kohl’s Cash, which can only be used at Kohl’s. If you’re looking for a more flexible rewards program, a general cashback or travel rewards credit card may be a better fit.
3. Automatic Conversion to Kohl’s Cash
Your rewards automatically convert to Kohl’s Cash at the beginning of each month, meaning you don’t have the option to save or redeem them later. Kohl’s Cash also expires after 30 days, so if you don’t use it in time, you lose the value.
Who Should Get the Kohl’s Rewards® Visa?
This card is best for:
- Loyal Kohl’s shoppers who frequently take advantage of Kohl’s Cash and discounts.
- Shoppers who pay their balance in full each month to avoid interest charges.
- People who already use a Kohl’s credit card and want to expand their earning potential.
This card is not ideal for:
- Shoppers who prefer flexible rewards that can be used outside of Kohl’s.
- People who carry a balance, as the high APR could outweigh the benefits.
- Those who don’t shop at Kohl’s regularly, since Kohl’s Cash expires quickly.
How to Apply for the Capital One Kohl’s Rewards® Visa
Applying for the Kohl’s Rewards® Visa is a simple process. Follow these steps to submit your application and see if you qualify:
Step 1: Check Your Eligibility
Before applying, ensure you meet the basic requirements:
- Must be at least 18 years old.
- Must have a valid Social Security Number (SSN) or Taxpayer Identification Number (TIN).
- Must have a fair to good credit score (typically 640 or higher).
Step 2: Visit the Kohl’s Website or Store
You can apply for the Kohl’s Rewards® Visa online through Kohl’s official website or in-store at any Kohl’s checkout counter.
Step 3: Fill Out the Application Form
You will need to provide:
- Your full legal name
- Address and contact details
- Date of birth
- Employment and income details
- Social Security Number (SSN)
Step 4: Submit and Wait for Approval
Once submitted, Capital One will review your application and perform a credit check. You may receive an instant decision or be asked to wait a few business days for further review.
Note: If you do not qualify for the Kohl’s Rewards® Visa, you may receive an offer for the Kohl’s Card, which is a store card that can only be used for purchases at Kohl’s. This alternative option still provides access to exclusive discounts and promotions but does not offer rewards on everyday spending outside of Kohl’s.
Step 5: Activate Your Card
If approved, you will receive your Kohl’s Rewards® Visa in the mail. Follow the instructions to activate your card online or via phone before using it.
Step 6: Start Earning Rewards
Once activated, you can begin using your Kohl’s Rewards® Visa to earn 7.5% back at Kohl’s, 3% on gas, 2% on groceries, and 1% everywhere else Visa is accepted.
Is the Capital One Kohl’s Rewards® Visa Worth It?
The Kohl’s Rewards® Visa is an excellent option for frequent Kohl’s shoppers who want to earn even more rewards on everyday purchases.
With no annual fee, stackable discounts, and Visa Signature perks, this card provides strong benefits for those who maximize Kohl’s Cash offers.
However, the high APR and Kohl’s-centric rewards system may not work for everyone. If you prefer a more flexible credit card that lets you redeem rewards for cash or travel, you might want to explore other options.
If you’re a Kohl’s loyalist who loves stacking savings, the Kohl’s Rewards® Visa could be the perfect card for you.
Just make sure to pay off your balance each month to avoid high interest charges and maximize your rewards!
Capital One Kohl’s Rewards® Visa vs. Costco Anywhere Visa: Which One Is Better?
If you’re considering the Capital One Kohl’s Rewards® Visa, you may also want to compare it to other popular store-affiliated credit cards, such as the Costco Anywhere Visa® by Citi.
| Feature | Kohl’s Rewards® Visa | Costco Anywhere Visa® |
|---|---|---|
| Best For | Frequent Kohl’s shoppers | Costco members who want cash back |
| Earning Rate at Store | 7.5% in Kohl’s Rewards | 2% cash back at Costco |
| Other Rewards | 3% on gas, 2% on groceries, 1% everywhere else | 4% on gas, 3% on dining and travel, 1% everywhere else |
| Annual Fee | None | None (requires Costco membership) |
| Rewards Redemption | Kohl’s Cash (expires in 30 days) | Cash back rewards redeemable annually |
The Kohl’s Rewards® Visa is great for those who shop frequently at Kohl’s and take advantage of their promotions, while the Costco Anywhere Visa® provides more flexible cash back rewards that can be used anywhere.
Want to learn more? Check out our full review of the Costco Anywhere Visa® to see if it’s the right card for you!
Costco Anywhere Visa® Card review
Your Costco membership just got better! Learn how the Costco Anywhere Visa® Card turns everyday spending into big rewards.
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