Kohl's Charge Card Reviews

Approval Odds

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2.7 out of 5 stars
90 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3 out of 5 stars

2.5 5

Most Helpful Positive Review

Feb 28, 2017
Very useful, saves me money
Anonymous Cardholder

I am 20 years old and had this cars since I was 18! My credit score is 722. I am in management while going to school full time. I am constantly getting credit line increases until they maxed me out at $3000. I get tons of Kohl's cash and coupons! Definitely recommend this card!! 

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Most Helpful Negative Review

Jul 13, 2017
Just applied and approved
Anonymous Cardholder

I applied about 3 months ago and was denied with all 3 scores floating around 570, I researched and found out most people were approved with 580-590....here we are 3 months later and I'm now at around 610... and working very hard to clean up my credit and decided to try again. BAM approved, now I don't shop at Kohl's, but maybe I will now, but I mainly got this card to show I have credit out there for rebuilding purposes.... 

1 year ago I was barely able to scrap by to get a car loan for a new vehicle, and now I have my car, a few charge cards, and a few credit cards and watch my score slowly raise each month... it's a great feeling 

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These reviews were written by current and former cardholders in the last year.

Sep 17, 2017
Terrible service
Anonymous Cardholder

I was 36 days late for my credit card bill for $21, they reported it to the credit bureau and I made an immediate payment over the phone at 36 days as soon as I realized it was past due.  I had just missed the email for the bill, since I rarely use the card.  Dropped my credit score 70 points, even when immediately paid.  Called, sent a letter, called again, they refuse to do anything to help my credit score. 

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Sep 15, 2017
Love this card!
Anonymous Cardholder

Love it was approved 2 years ago with a 300 creditline...now I'm at 2500.paying on time more then the payment not in full but almost.love it

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Aug 27, 2017
bitter sweet
Anonymous Cardholder

Kohls is funny. I opened up a credit card with kohls in january of 2016- spent the whole 300$ credit line in one day and never paid them back until august of 2017. I decided to pay off my 525$ they kept nagging me about. I paid it, and i waited 3 days later to apply again just to be funny. Ended up getting approved for a 500$ credit line- WAS BLOWN AWAY. but, anyways, i am a splurger, and i use this kohls card like im drinking water, haha. Overall, my point is that, its random i believe because, my credit score is in the low 500's and i cant believe they approved me after a year and 8 months delinquint balance that was in collections as well. Gr8 store and i only shop there. i recommend it if you pay your bills on time. ME, I PAY THE WHOLE THING OFF SOON AS ITS AVAILABLE ON MY END.

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Aug 23, 2017
nyia17 Cardholder

I was approved for $300 with a score of 625. I love Kohls and my card! No problems and I pay in full each moth to avoid interest.

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Aug 20, 2017
Don't open a Credit-card with them
Anonymous Cardholder

I have had credit-card open 3 years ago still haven't had a credit increase I have had credit increase on all my other credit cards and nothing with them yet I will be paying off in closing my account with them today

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Aug 18, 2017
Anonymous Cardholder

Worst card ever…you can get many discounts on sales. However  if you are even 1 day late get hit with ridiculous late fees that will no doubt decrease any chances of paying it off in a timely fashion!!!  

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Aug 15, 2017
Horrible customer service
JoshBrown80 Cardholder

Dont ever ever ever be late. Even by a day. Otherwise collections will call 3-7 times a day, and never leave a message. And then when you call the number back its difficult to get to a human, and when you manage to do that, they are horiffically rude

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Aug 12, 2017
Love the perks.
Anonymous Cardholder

Yes it is just another credit card, but I liked all the perks of the Kohls card.

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Aug 12, 2017
Ok for credit but no credit line increases
Anonymous Cardholder

It's a great card but they do not give credit line increases
Been there one year and no increases......

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Aug 03, 2017
jppicks Cardholder

Add another one to the list they are willing to ruin your credit over $30. Not customer friendly at all and send 0 past due notices to alert you of any issue.

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Kohl's Charge Card