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How To Become A Kohls Card Holder


by Mandy Melgoza



Welcome to the world of Kohl’s! If you love shopping for stylish clothes, trendy accessories, and must-have home essentials, then you’re in for a treat. Becoming a Kohl’s Card holder is a surefire way to enhance your shopping experience and unlock a world of exclusive benefits.


Are you ready to maximize your savings and enjoy fantastic perks? This article will guide you through the process of becoming a Kohl’s Card holder and help you understand the incredible advantages that come with it.


Kohl’s is a popular American retail chain known for its wide range of products, from apparel and shoes to home goods and beauty products. By obtaining a Kohl’s Card, you gain access to special promotions, discounts, and rewards that can make your shopping trips even more enjoyable.


So, why should you consider getting a Kohl’s Card? The benefits are countless! Not only will you save money on your purchases, but you’ll also gain early access to sales events and receive exclusive discounts throughout the year. Let’s explore the advantages of being a Kohl’s Card holder in more detail.


Benefits of Having a Kohl’s Card

Being a Kohl’s Card holder comes with a plethora of benefits that can enhance your shopping experience and help you save money. Here are some of the key advantages:

  1. Discounts: One of the major perks of having a Kohl’s Card is the ability to enjoy exclusive discounts and savings. As a cardholder, you’ll receive regular discount offers, ranging from 15% to 30% off your purchases. These discounts can be used on a wide variety of products throughout the store, making it easy to find great deals on items you love.
  2. Rewards Points: With every purchase you make using your Kohl’s Card, you earn valuable rewards points. These points can be redeemed for Kohl’s Cash, which can then be used towards future purchases. The more you shop, the more rewards points you’ll accumulate, giving you even more opportunities to save.
  3. Special Financing Offers: Kohl’s often offers special financing deals to cardholders. This means that you can make larger purchases and pay them off over time without incurring any interest charges, as long as you make the minimum monthly payments. This feature can be particularly useful for big-ticket items like furniture or electronics.
  4. Birthday Rewards: When your birthday rolls around, Kohl’s wants to celebrate with you! As a cardholder, you’ll receive special birthday surprises, such as additional discounts or bonus rewards, to make your special day even more enjoyable.
  5. Exclusive Sales Events: Kohl’s frequently hosts exclusive sales events for cardholders. These events give you access to amazing deals and discounts before they are available to the general public. This means you can get a head start on your shopping and score incredible bargains.
  6. Hassle-Free Returns: Returning items is a breeze when you have a Kohl’s Card. Not only can you keep track of your purchases more easily, but you’ll also benefit from a streamlined return process. With the card, you won’t need to worry about printing or bringing your receipt as all your purchases are electronically stored.

As you can see, being a Kohl’s Card holder brings a multitude of advantages that can help you save money and make your shopping experience more convenient and enjoyable. From discounts and rewards points to special financing offers and exclusive events, the benefits are hard to beat. Now, let’s explore how you can become a Kohl’s Card holder.


How to Apply for a Kohl’s Card

Ready to take advantage of all the incredible benefits that come with being a Kohl’s Card holder? Applying for a Kohl’s Card is a simple and straightforward process. Here’s a step-by-step guide to help you get started:

  1. Online Application: Visit the official Kohl’s website and navigate to the Kohl’s Card section. Look for the “Apply Now” button and click on it to begin your application. Make sure you have your personal information, such as your name, address, and social security number, handy as you’ll need to provide these details during the application process.
  2. In-Store Application: If you prefer applying in person, head to your nearest Kohl’s store and ask a sales associate for assistance with applying for a Kohl’s Card. They will guide you through the application process and answer any questions you may have.
  3. Fill out the Application: Whether you choose to apply online or in-store, you’ll need to carefully fill out the application form with accurate information. Double-check that all the details you provide are correct to avoid any delays in the approval process.
  4. Submit the Application: Once you’ve completed the application form, review it one final time to ensure everything is accurate. Then, submit your application either online or in-store, depending on the method you chose. If applying online, simply click the “Submit” button. If applying in-store, hand over your completed application form to the sales associate.
  5. Wait for Approval: After submitting your Kohl’s Card application, you’ll need to wait for the approval process to be completed. Typically, you’ll receive a decision within a few minutes if you applied online. If you applied in-store, it may take a bit longer as the application will need to be processed and reviewed.
  6. Acknowledge Terms and Conditions: If your application is approved, you’ll receive your Kohl’s Card in the mail. When you receive it, be sure to carefully read the terms and conditions associated with the card to familiarize yourself with the cardholder agreement and any fees or policies.

That’s it! By following these steps, you can easily apply for a Kohl’s Card and start enjoying the fantastic benefits that come with being a cardholder. Once you have your Kohl’s Card in hand, you’ll be ready to embark on a savings journey like no other.


Understanding Kohl’s Card Rewards Program

As a Kohl’s Card holder, you have the opportunity to participate in the Kohl’s Card Rewards program. This program allows you to earn rewards points for every dollar you spend with your Kohl’s Card. Let’s delve into the details of this rewards program:


Earning Rewards Points: Every time you use your Kohl’s Card for a purchase at Kohl’s, you earn rewards points. For every dollar you spend, you’ll earn a certain number of points. The exact number of points earned can vary based on promotions and special offers, but typically, you can earn 1 point for every dollar spent.


Kohl’s Cash: Once you accumulate a certain number of rewards points, they can be converted into Kohl’s Cash. Kohl’s Cash is essentially store credit that can be used towards future purchases at Kohl’s. For example, if you earn 100 points, you can convert them into $5 Kohl’s Cash. The more points you earn, the more Kohl’s Cash you can accumulate.


Redeeming Kohl’s Cash: Redeeming your Kohl’s Cash is easy. Simply bring your Kohl’s Cash to the store during the specified redemption period, typically indicated on the Kohl’s Cash itself. You can use it to purchase anything available at Kohl’s, including clothing, accessories, household items, and more. Keep in mind that Kohl’s Cash has an expiration date, so be sure to use it before it expires.


Additional Rewards: In addition to earning points and converting them into Kohl’s Cash, Kohl’s often offers extra opportunities to earn rewards. This can include special promotions or bonus points events where you can accumulate points at an accelerated rate. Keep an eye out for these offers to maximize your rewards earnings.


Managing Your Rewards: It’s important to keep track of your rewards points and Kohl’s Cash balance. You can do this by logging into your Kohl’s Card account online or by using the Kohl’s mobile app. These platforms provide easy access to your rewards information, allowing you to stay up-to-date with your earnings and make the most of your rewards.


The Kohl’s Card Rewards program is a fantastic way to get even more value from your Kohl’s Card. By earning rewards points and converting them into Kohl’s Cash, you can enjoy additional savings on your purchases and make your shopping experience even more rewarding.


Tips for Managing Your Kohl’s Card

Managing your Kohl’s Card effectively can help you make the most of its benefits and ensure a smooth shopping experience. Here are some essential tips for managing your Kohl’s Card:

  1. Pay Your Bills on Time: It’s crucial to make your Kohl’s Card payments on time to avoid late fees and penalties. Set up reminders or automatic payments to ensure you never miss a payment. Paying your bills on time also helps maintain a good credit score.
  2. Monitor Your Spending: Keep track of your purchases and regularly review your statements to stay on top of your spending. This allows you to identify any discrepancies or potential issues and address them promptly.
  3. Take Advantage of Discounts: Stay updated on the latest promotions, discounts, and exclusive offers available to Kohl’s Card holders. Take advantage of these deals to maximize your savings and get the most value out of your purchases.
  4. Maximize Your Rewards: Be strategic in using your Kohl’s Card to earn and redeem rewards. Plan your shopping trips during bonus points events to accelerate your rewards earnings. Additionally, use your Kohl’s Cash strategically to save even more on your purchases.
  5. Maintain a Low Credit Utilization: Aim to keep your credit utilization ratio low by not using your entire credit limit. This can positively impact your credit score and make it easier to manage your payments.
  6. Review Cardholder Benefits: Familiarize yourself with the specific benefits and terms associated with your Kohl’s Card. Understand the rewards program, promotional offers, and any additional perks that may be available to you as a cardholder.
  7. Protect Your Personal Information: Safeguard your Kohl’s Card details and personal information. Avoid sharing your card information with unauthorized individuals and be cautious when making online purchases to protect against identity theft or fraud.
  8. Utilize Online Account Access: Take advantage of online account access to manage your card efficiently. Monitor your purchases, view your rewards balance, and track your payments and billing statements conveniently through the Kohl’s Card online portal or mobile app.
  9. Update Your Contact Information: Ensure that your contact information, such as your mailing address and email address, is kept up to date. This ensures that you receive important notifications regarding your card, promotions, rewards, and account updates.
  10. Contact Customer Service: If you have any questions or concerns about your Kohl’s Card, don’t hesitate to reach out to customer service. They are there to assist you and provide guidance on managing your card effectively.

By implementing these tips, you can efficiently manage your Kohl’s Card, maximize your savings, and enjoy a seamless and rewarding shopping experience.


Frequently Asked Questions (FAQs)

Here are some commonly asked questions about becoming a Kohl’s Card holder:

  1. Q: Can I use my Kohl’s Card to shop online?
  2. A: Absolutely! Your Kohl’s Card can be used for online purchases at the Kohl’s website. Simply enter your card information during the checkout process to take advantage of the exclusive benefits.

  3. Q: Are there any annual fees associated with the Kohl’s Card?
  4. A: No, there are no annual fees for having a Kohl’s Card. Enjoy the perks and benefits without the burden of an additional cost!

  5. Q: Do I need an excellent credit score to be approved for a Kohl’s Card?
  6. A: While credit requirements may vary, you don’t necessarily need an excellent credit score to be approved for a Kohl’s Card. Kohl’s offers options for those with different credit profiles, although a good credit score may increase your chances of approval.

  7. Q: Can I use my Kohl’s Card at any other store?
  8. A: No, the Kohl’s Card can only be used for purchases at Kohl’s stores or on their website. It is not accepted as a form of payment at any other retail locations.

  9. Q: How often are Kohl’s Cash rewards issued?
  10. A: Kohl’s Cash rewards are typically issued during specific promotional periods. Check the terms and conditions of your rewards program to see when you can expect to receive Kohl’s Cash for your purchases.

  11. Q: Can I combine discounts and Kohl’s Card rewards?
  12. A: Yes, in most cases, you can use your Kohl’s Card rewards in conjunction with other discounts and promotions. This allows you to stack your savings and get the best possible deal on your purchases.

  13. Q: What happens if my Kohl’s Card is lost or stolen?
  14. A: If your Kohl’s Card is lost or stolen, it is important to report it immediately. Contact Kohl’s customer service to report the loss and request a replacement card. They will help ensure the security of your account.

  15. Q: Are there any restrictions on using my Kohl’s Card?
  16. A: While there are no specific restrictions on using your Kohl’s Card, it is important to be aware of the terms and conditions associated with the card. Familiarize yourself with any limitations or exclusions that may apply to certain purchases or promotional offers.

  17. Q: Can I add authorized users to my Kohl’s Card?
  18. A: Yes, you can add authorized users to your Kohl’s Card account. This allows others to make purchases using your card, but it also makes you responsible for any charges made by the authorized users.

  19. Q: Can I cancel my Kohl’s Card?
  20. A: Yes, you can cancel your Kohl’s Card at any time by contacting Kohl’s customer service. Keep in mind that canceling the card may impact your rewards, so be sure to redeem any remaining rewards points or Kohl’s Cash before canceling.

If you have any other questions or concerns regarding your Kohl’s Card or the rewards program, don’t hesitate to reach out to Kohl’s customer service for assistance. They will be happy to provide you with the information you need.



Obtaining a Kohl’s Card opens up a world of fantastic benefits, discounts, and rewards that can enhance your shopping experience. By becoming a cardholder, you gain access to exclusive promotions, early sales events, and the opportunity to earn rewards points that can be converted into Kohl’s Cash.


Throughout this article, we have explored the various benefits of having a Kohl’s Card, including discounts on purchases, special financing offers, and birthday rewards. We have also discussed how to apply for a Kohl’s Card and manage it effectively.


Remember to pay your bills on time, monitor your spending, and take advantage of discounts and rewards to maximize your savings. Stay updated on the latest promotions and additional bonuses offered to cardholders, and make sure to manage your rewards points and Kohl’s Cash balances.


If you have any questions or concerns, don’t hesitate to reach out to Kohl’s customer service for assistance. They are there to help you navigate the benefits and features of your Kohl’s Card.


Now that you are equipped with the knowledge of how to become a Kohl’s Card holder and make the most of its perks, it’s time to embark on a rewarding shopping journey. Apply for your Kohl’s Card today and get ready to enjoy incredible savings and exclusive benefits!