Steps to Follow When Applying for the Kohl’s Credit Card

Are you curious about how to apply for a Kohl’s Credit Card online

From exclusive discounts to convenient payment options, obtaining a Kohl’s Credit Card can enhance your shopping experience. 


In this guide, we’ll walk you through the steps, making it easy to unlock savings and perks.

Step 1: Research and Understand

Before applying for a Kohl’s Credit Card online, take the time to research and understand the following key points:

  • Types Available: Explore the options between the Kohl’s Charge Card and the Kohl’s Rewards Card to find the best fit for your needs.
  • Benefits and Features: Explore rewards programs, discounts, and offers for maximum savings potential.
  • Terms and Conditions: Read the terms and be fully informed before applying. Understand interest rates, fees, and payment options.

Steps to Follow When Applying for the Kohl's Credit Card


Kohl’s Credit Card Options

When considering a Kohl’s Credit Card, you have two main options. Here’s a brief overview of each:

Kohl’s Charge Card

The Kohl’s Charge Card is a store-branded credit card that offers exclusive discounts and savings opportunities for frequent Kohl’s shoppers.

Benefits and Features:

  • Regular discounts and special offers for cardholders.
  • Access to additional savings events throughout the year.
  • Convenient payment options, including online account management.
  • No annual fee.

Kohl’s Rewards Card

The Kohl’s Rewards Card is designed for customers who want to earn rewards on their purchases at Kohl’s and enjoy additional perks.

Benefits and Features:

  • Earn rewards points for every dollar spent at Kohl’s, which can be redeemed for Kohl’s Cash to use on future purchases.
  • Access to exclusive savings opportunities and bonus point events.
  • Additional benefits such as birthday gifts and special offers for cardholders.
  • No annual fee.

Step 2: Eligibility Check

Before applying for a Kohl’s Credit Card online, it’s essential to check your eligibility to ensure a smooth application process. Here’s what you need to consider:

  • Credit Score: Review the minimum credit score requirements for a Kohl’s Credit Card.
  • Income Criteria: Understand the income thresholds necessary to qualify for the card.
  • Age Requirement: Check the minimum age requirement for applicants.
  • Other Factors: Consider additional eligibility criteria, such as employment status or existing credit accounts.

Step 3: Gather the Required Information

Gathering all required information upfront is essential to ensuring a seamless online application process for a Kohl’s Credit Card. 

Here’s a comprehensive list of what you’ll need:

  • Personal Identification: Driver’s license, passport, or other government-issued ID.
  • Contact Details: Address, phone number, email address.
  • Financial Information: Income details, employment status, and length of employment.
  • Existing Credit Accounts: Information on any current credit cards or loans.
  • Social Security Number: Required for credit checks and verification purposes.
  • References: Contact information is for personal reference if requested.
  • Additional Documentation: Any other documents specified in the application requirements, such as proof of address or income verification.

Step 4: Online Application

Ready to apply for a Kohl’s Credit Card online? Follow these step-by-step instructions to fill out the application form accurately and efficiently:

  1. Visit the Kohl’s website and navigate to the Credit Card section.
  2. Choose the type of Kohl’s Credit Card you want to apply for (Kohl’s Charge Card or Kohl’s Rewards Card).
  3. Click on the “Apply Now” button to start the application process.
  4. Enter your personal information accurately, including your name, address, date of birth, and Social Security Number.
  5. Provide your contact details, such as your phone number and email address.
  6. Input your financial information, including your annual income and employment status.
  7. Review the application carefully to ensure all information is correct.
  8. Agree to the terms and conditions by checking the box provided.
  9. Apply and wait for a decision from Kohl’s regarding your credit card application.

Step 5: In-Store Application

You can apply for a Kohl’s Credit Card in-store if you prefer a more personal touch. 

Here’s what you need to know about the in-store application process:

  • Visit a Kohl’s Store: Locate your nearest Kohl’s store and visit the customer service desk.
  • Request an Application: Ask a representative for a Kohl’s Credit Card application form.
  • Fill out the Form: Complete the application form accurately with your personal and financial information.
  • Submit the Application: Return the completed application form to the representative for processing.
  • Wait for Approval: Once submitted, wait for Kohl’s to review your application and provide a decision.

Steps to Follow When Applying for the Kohl's Credit Card

Step 6: Review and Submission

Before finalizing your application for a Kohl’s Credit Card, you must review all the information you’ve provided and submit it accurately. 

Here’s how to complete the review and submission process:

  • Double-Check Information: Review all fields on the application form to ensure accuracy.
  • Verify Details: Confirm that your personal and financial information is correct.
  • Sign if Required: If necessary, sign the application form as instructed.
  • Submit Securely: Follow the provided instructions to submit your application securely.
  • Keep Confirmation: Retain any confirmation or reference numbers provided for future inquiries.

Step 7: Wait for Approval

After submitting your application for a Kohl’s Credit Card, the next step is to wait for approval. 

Here’s what you can expect during this waiting period:

  • Patience is Key: Understand that the approval process may take some time, so be patient.
  • Instant Approval: Some applicants may receive instant approval, while others may have to wait for a decision via mail or email.
  • Check Application Status: Monitor your application status online or contact Kohl’s customer service for updates.

Contact Details

Should you need assistance after applying for your Kohl’s Card, here’s how to get in touch:

Utilize the “Ask Us” Feature

  • Visit Kohl’s help page to access 24/7 chat support through the “Ask Us” button for inquiries regarding your Kohl’s Card or

Direct Contact Options

  • Call 855-564-5748 for Kohl’s Card or payment inquiries.
  • Phone associates are available Monday to Saturday from 7 a.m. to 9 p.m. CT and Sunday from 10 a.m. to 8 p.m. CT.


  • Summarize the key steps involved in applying for a Kohl’s Credit Card.
  • Reiterate the benefits of having a Kohl’s Credit Card.
  • Encourage readers to follow the outlined steps for a smooth application experience.

Additional Tips 

Maximize your experience with a Kohl’s Credit Card by implementing these additional tips:

  • Regularly Check for Promotions: Watch for special offers and promotions exclusively for Kohl’s Cardholders.
  • Pay On Time: Make timely payments on your Kohl’s credit card to avoid late fees and maintain a good credit score.
  • Monitor Your Spending: Stay within your budget and track your expenses to ensure responsible credit card usage.
  • Utilize Kohl’s Cash: Take advantage of earning Kohl’s Cash with purchases to save money on future transactions.
  • Review Your Statements: Review your credit card statements regularly for discrepancies or unauthorized charges.

To Conclude

In conclusion, following these steps ensures a smooth application process for your Kohl’s Credit Card

Apply today to take the first step towards unlocking exclusive discounts and rewards, and start enjoying the benefits of being a Kohl’s Cardholder.


The information provided in this guide is for informational purposes only and does not constitute financial advice. 

Applicants should review all terms and conditions before applying for a Kohl’s Credit Card.