Description: This is an article about kohls credit card login, which is a review of the Kohl’s credit card. Your Kohls.com shopping account makes online shopping easier and gives you the ability to add coupons and Kohl’s Cash without all the hassle.
This is Hailey here from should you buy it, today I’m going to be doing another credit card review slash pros and cons of a certain credit card, I did it before with the Victoria Secret credit card, you can check that out if you are thinking about getting one of these credit cards or if you are thinking about closing it.
Today we are going to be talking about the Kohl’s credit card, like the Victoria’s Secret credit card the Kohl’s credit card is a store only credit card, you cannot use it at places that take Visa MasterCard, you can only use it at Kohl’s, that can be a pro or con.
For some people it can be a pro because some people who maybe have problems with spending with a discover or a Visa or a MasterCard card can’t use it in other places, they can only use it at Kohl’s, they are limited to only using it at Kohl’s.
It’s exactly like the Victoria’s Secret one, you can only use it at Kohl’s, if you are looking out for a starter credit card, you obviously can’t use it at like the Walmart and Target or all these other places, you can only use it at Kohl’s, so it can be a good or a bad thing.
Another thing that I also like about Kohl’s is that I buy a lot of my clothes at Kohl’s because I do not like to spend that much on clothes, Kohl’s has everything on sale all the time, if you ever pay full price at Kohl’s, you have done something wrong.
One thing I like about Kohl’s with my credit card is that you get these in the mail once in a while, obviously I have stretched out my name and address, this one is for the summer, this sale starts May 13th and goes through the 22nd, I get these in the mail, I think every two weeks or so, I can’t remember their sales cycle.
They’re going to do a Memorial Day sale, it is like $10 for everything which is good, but you get these in the mail, on the other side it usually has a pili, you peel off the pili, underneath it says 15, 20 or 30, what that means is that you can go to the store and you can get 15, 20 or 30% off your entire purchase when you use your Kohl’s credit card.
You have to use your credit card on this purchase to get this discount, you can also use it online, that always has a Kohl’s online, but you must use your Kohl’s credit card to get this discount, that’s something that they do to get people to use the credit card.
There are some exclusions, they’re always on the back, most of the time you can use it on anything, I used it or my grandmother used it when we bought my Roomba, we could not use it when we bought a Fitbit, a couple of days ago my sister and I went, we tried to buy Fitbit and use a 30, it would not work, it depends on the brand.
You get these, you have to have a credit card to use these, you have to use your own credit card, you can’t use your mother’s because one thing I like about Kohl’s is that they will check your Kohl’s charge card because they scan it at the register.
That’s nice, they will ID you for the credit card because there’s no pin or anything else involved, another thing that I like about Kohl’s is that you do not have to have a credit card but you can sweeten the deal a little bit more, it’s like 99% of the time I go there, they have what they call Kohl’s cash, you spend so much and you get so much in clothes cash.
If you got $100 worth of items and you used your 30% off like I might have, you would spend $70, then you get another $10 back in closed cash to use at the store later, the Kohl’s cash is always $10 off of 10, it’s not like $10 off of 30 like some places have.
You would essentially pay $70 and you get $10 back making it $60, you’ve saved 40 percent by using this coupon, going to Kohl’s and using your charge card, since Kohl’s is a store credit card, it has a huge interest rate, it can range anywhere from 19 to 25 percent depending on your credit score.
My limit is $500, you can always go online and request a higher limit depending on your credit score, it has a high interest rate, if you are going to get one of these cards, make sure that you can pay it off, with the Kohl’s charge it automatically gets your charge on the same day because it’s through Kohl’s, they don’t have to go through Visa or MasterCard.
So once the transaction is finished, it is done, it is charged on to your card, they allow you to pay off your card there at the same register if you want to, if you get my statements and you can pay them off, you can do that, you can also do payments online.
With this your minimum payment is $35 a month, if you are not planning on paying the whole thing or if your charge is less than $35, you can pay there in the store, you can pay online, you can mail off checks, you can get paper balances with them, but they suggest you go paperless because of everything that has been happening.
I got all mail stolen out of my mailbox, I learned about a week later, I had an important census letter in there, it isn’t as important or valuable as credit card information but it was something that was important, then I had the Census knocking on my door a couple of days later, I was freaking out.
So I suggest that you go paperless, you can do all that online, make an account online as well, Kohl’s also has a rewards program, you don’t have to have a Kohl’s charge, you can earn more rewards, if the Kohl’s cash expires, they used to accept expired ones but now they do not.
But you’re already saving 30%, you cannot price match, Kohl’s does not price match, if it’s $10 this week, then it’s 12 or it’s $5 next week, you can’t get the difference if you use the 30%, Kohl’s name brand are trademark to Coles, it can’t be used on a Fitbit.
It’s good if Kohl’s is a place that you shop out a lot, my grandmother buys all my clothes from Kohl’s, eventually I decided to get a credit card, I can get these savings, I can go there and buy stuff for myself and save a little bit of money.
You will be surprised at the money you spend at Kohl’s and how much you can save, you have to open up a Kohl’s charge, the credit score doesn’t have to be on the high end to get one because it is a store card with the higher APR.
That’s something to think about, it’s easy to do it online, you can apply online, you can apply in store as well, if you apply on line and you get approved, it takes about a week and a half to physically receive your card, but they will give you a temporary printout that you can print out, you can go to the store and use it, then you won’t receive one of these coupons until you get your physical card.
I like this card, you need to make sure that you can pay your balance, Kohl’s is starting to get more higher end brands like lorac, I want to get one of their palettes, I saw it there a couple of weeks ago, they were setting up, they were on display.
I hope to get one of their palettes, I hope to be able to use my next percentage off, you won’t always get thirty percent, I have gotten twenty percent before, I’ve never gotten to fifteen, I’ve only been on their list for about six months.
The coupons have been helpful if you have a nice sales associate which I’ve never had, you can go on the first day and use this thirty percent, then they will give it back to you, you can go back the next day and use it again until the promotion is over.
If you don’t get the 30 percent, you can go on to RetailMeNot, people will post that online, you can use that, as long as you use your Kohl’s credit card, they’re giving you this discount for using their card, so they don’t have to go through Visa and MasterCard.
I have seen online with a couple of things of people complaining about late fees, their overdue thing or their high interest rates, this is something that you should know when you sign up for this credit card, it is upwards of twenty five percent on this, it is not a credit card to keep a balance on.
If you need a credit card to keep a balance on, I highly suggest that discover is the first card that I got approved for, I like discover, if you need a credit card that you can keep a balance on, that’s not going to physically take the clothes off of your back.
Discover Chase is a good one as well, those are both all-around credit cards, that’s all I have to say about Kohl’s, I like my Kohl’s credit card, I don’t keep a balance on my Kohl’s credit card at all, I don’t use it all the time, I go there, I shop and then I pay it off in the store which is nice.
Because you don’t have to worry about getting a statement, you will get a statement if you owe zero, your payment of zero is due, Kohl’s is a good credit card for someone who is younger to start out with to build credit, that’s all I have to say.
If you have any questions, comments or concerns, feel free to leave those down below, thank you for reading.