Earn 7.5% back at Kohl’s, plus cashback on gas and groceries. No annual fee, just perks!
Capital One Kohl's Rewards Visa: More Rewards, More Savings!
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Shopping at Kohl’s just got a whole lot better! With the Capital One Kohl’s Rewards Visa, you get 7.5% back on Kohl’s purchases, plus rewards on everyday essentials—3% back on gas, 2% at grocery stores, and 1% everywhere else. No annual fee, just straightforward savings on what matters most to you.
Shopping at Kohl’s just got a whole lot better! With the Capital One Kohl’s Rewards Visa, you get 7.5% back on Kohl’s purchases, plus rewards on everyday essentials—3% back on gas, 2% at grocery stores, and 1% everywhere else. No annual fee, just straightforward savings on what matters most to you.
Permanecerás en el mismo sitio
Here’s why the Capital One Kohl’s Rewards Visa is a smart choice for savvy shoppers:
Permanecerás en el mismo sitio
You can use your Kohl’s Rewards Visa anywhere that accepts Visa, both online and in physical stores. This includes domestic and international purchases, so you’re not limited to shopping only at Kohl’s. Plus, since it’s a Visa Signature card, you get additional perks when using it for travel or dining.
With this card, you earn 7.5% back on Kohl’s purchases, 3% on gas, 2% at grocery stores, and 1% on all other transactions. Your rewards accumulate as Kohl’s Cash, which is issued in $5 increments and can be used toward future Kohl’s purchases. Just remember to use them before they expire!
Absolutely! Capital One offers a user-friendly website and mobile app where you can manage your account, check your rewards balance, pay your bill, and even set up account alerts to stay on top of your spending and rewards.
You can easily track your rewards and spending through your Capital One online account or mobile app. There, you’ll see your Kohl’s Cash balance, transaction history, and any upcoming expiration dates for your rewards.
Is the Capital One Kohl’s Rewards Visa Worth It?
If you love shopping at Kohl’s, this card is designed to give you the best bang for your buck. Let’s dive into the perks and potential downsides so you can decide if it’s the right fit for your wallet.
Pros:
- 🟢 Huge Savings at Kohl’s – Earn an impressive 7.5% back on all Kohl’s purchases, making every shopping trip more rewarding.
- 🟢 Cashback on Everyday Essentials – Get 3% back on gas and 2% at grocery stores, so you’re not just saving at Kohl’s but on daily spending too.
- 🟢 No Annual Fee – More perks, no extra costs. Keep all your rewards without worrying about yearly fees.
- 🟢 Exclusive Discounts – Special cardholder offers, extra savings events, and an anniversary gift to sweeten the deal.
- 🟢 Most Valued Customer (MVC) Status – Spend $600 annually at Kohl’s and unlock MVC status for additional perks, including free shipping events.
- 🟢 Visa Signature Benefits – Travel assistance, concierge service, and extra purchase protection add even more value.
Cons:
- 🔴 High APR – Carrying a balance? Be careful—the interest rates can add up quickly.
- 🔴 Rewards Are Kohl’s-Exclusive – Your cashback comes as Kohl’s Cash, which can only be used at Kohl’s. If you prefer flexible rewards, this might not be ideal.
- 🔴 Short Kohl’s Cash Expiration – Kohl’s Cash expires within 30 days, so you’ll need to use it quickly.
- 🔴 Exclusions Apply – Some items and brands don’t qualify for Kohl’s Cash redemptions.
For dedicated Kohl’s shoppers, the Capital One Kohl’s Rewards Visa is a no-brainer. The 7.5% back is one of the best retail rewards rates available, and the added perks on gas and groceries make it even more appealing.
Just make sure you pay off your balance in full each month to avoid high interest charges.
Want to see if you qualify? Check out our full review for eligibility details and how to apply.
Capital One Kohl’s Rewards® Visa Review
Love Kohl’s? This Visa card lets you earn rewards outside the store too! Discover how to maximize discounts and avoid hidden pitfalls.
Is this card not your perfect match? Check out these alternatives!
If you’re not a Kohl’s shopper or if your credit score isn’t in the best shape, don’t worry. There are plenty of credit cards on the market, and one of them is sure to suit your needs.
Here at The Money Best, we provide financial product reviews to help you make informed decisions.
💡 Carefully assess your financial situation and the terms of your chosen credit card before applying.
🎯 Using a Rewards Credit Card Responsibly
Rewards credit cards can be a valuable tool to maximize savings and benefits, but they need to be used wisely. When managed responsibly, they can help you build credit, earn cashback, and take advantage of perks. Here are some key strategies to ensure you’re making the most of your rewards credit card:
💡 Pay Your Balance in Full
One of the biggest mistakes people make with rewards credit cards is carrying a balance. Paying your full statement balance each month helps you avoid interest charges, ensuring that your rewards truly benefit you.
💡 Use Your Card Strategically
Maximize your earnings by using your card where it offers the highest cashback. If your card provides extra rewards for specific categories like gas, groceries, or dining, prioritize using it for those purchases to get the most value.
💡 Keep Track of Expiration Dates
Many rewards, like cashback or travel points, have expiration dates. Check your account regularly to ensure you don’t miss out on redeeming your earned rewards before they expire.
💡 Avoid Overspending
Rewards should never be an excuse to overspend. Stick to your budget and only buy what you would normally purchase—don’t be tempted to spend more just to earn extra points.
💡 Monitor Your Account Regularly
Keep an eye on your credit card statements and transactions to catch any unauthorized charges. Setting up alerts through your bank’s app can help you stay on top of your spending and account activity.
By using your rewards credit card wisely, you can enjoy all the perks, build your credit, and get the most out of your everyday purchases!
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