Capital One
Kohl's Rewards Visa
Earn Kohl's rewards at multiple spending categories with no annual fee. Get up to 7.5% rewards at Kohl's, plus 3% on gas and 2% at grocery stores.
Annual fee
None
Top rate
7.5x online shopping
Quick look
7.5% Rewards at Kohl's
Plus cash back on gas and groceries
3.5
out of 5
Rewards
Fees
Welcome bonus
Perks
Value
Overall score is a weighted average: Rewards 20% · Fees 20% · Welcome bonus 20% · Perks 20% · Value 20%.
Ideal for
Frequent Kohl's shoppers who pay their balance in full and can redeem Kohl's Cash rewards within 30 days of issue.
The verdict
The Kohl's Rewards Visa excels at one thing: rewarding shopping at Kohl's with an industry-leading 7.5% rate. If you're a regular Kohl's shopper who pays your balance monthly, this card delivers genuine value at no cost. The catch: rewards are locked to Kohl's Cash, expire in 30 days, and the secondary category rates (3% gas, 2% groceries) lag the competition. Skip this if you're looking for a general-purpose everyday card.
This card makes sense only for dedicated Kohl's customers who will redeem rewards consistently. It's a one-trick pony executed well, but don't expect versatility.
Pros
- 7.5% rewards at Kohl's and Kohls.com—tied for the best Kohl's-specific rate in the catalog
- No annual fee, making it accessible for any credit profile
- Visa accepted nearly everywhere, giving earning opportunities beyond Kohl's (3% gas, 2% groceries, 1% all else)
- Visa Signature concierge and travel assistance included
Cons
- Rewards only redeem as Kohl's Cash at Kohl's stores—not redeemable elsewhere or as cash
- Kohl's Cash expires within 30 days, creating a redemption deadline every month
- No welcome bonus or introductory offer
- Gas and grocery rates (3% and 2%) underperform dedicated category cards
Reward rates
| Category | Rate | Details |
|---|---|---|
| Online shopping | 7.5x | 7.5% in Kohl's rewards on Kohl's purchases every day |
| Gas & EV charging | 3x | 3% in Kohl's rewards on gas |
| Groceries | 2x | 2% in Kohl's rewards at grocery stores |
| Everything else | 1x | 1% in Kohl's rewards on purchases everywhere else |
The 7.5% rate at Kohl's is the second-highest in the entire catalog, beaten only by the Pottery Barn Key Rewards card. That makes this card genuinely competitive for Kohl's shopping. The 3% on gas ranks 11th among all category rewards, and 2% groceries ranks 27th—respectable but not exceptional. Where this card loses ground is the 1% everything else rate, which ranks 56th. The real constraint is that all rewards convert to Kohl's Cash, redeemable only at Kohl's stores and only for 30 days. This isn't a drawback for dedicated Kohl's shoppers, but it severely limits the card for occasional users.
Fees and APR
Does it pay for itself?
Zero annual fee puts this in the largest peer group of no-fee cards in the catalog. That's a major advantage: you're not paying overhead to earn 7.5% at Kohl's. Unlike premium cards that charge $95+ and offset that with travel credits or category bonuses, this card costs nothing and still delivers strong Kohl's rewards. The trade-off is a lack of welcome bonus and limited perks, but for pure earn efficiency at Kohl's, the zero cost is hard to beat.
Similar cards
American Express alternative with 3% back on groceries, gas, and online shopping—broader earning potential but no Kohl's bonus
5% cash back on your choice of category (rotates monthly), no annual fee, and universal cash back—flexible alternative if Kohl's shopping isn't your priority
Frequently asked questions
Can I use Kohl's Cash anywhere?
No. Kohl's Cash can only be used at Kohl's stores and Kohls.com, and it expires 30 days after it's issued. This is a key limitation compared to cards that offer cash back or points redeemable anywhere.
Is there a welcome bonus or introductory offer?
According to Capital One's current card terms, there is no signup bonus listed. This is a missed opportunity compared to competitors like the American Express Blue Cash Everyday (which offers up to $200 cash back).
What APR should I expect?
The card carries a variable APR, which will depend on your creditworthiness. Third-party sources cite rates around 29%, so you should expect a high APR. This makes it critical to pay your balance in full every month—carrying a balance would quickly erase any rewards gains.
How does this compare to the store-only Kohl's Credit Card?
This Visa works everywhere Visa is accepted, so you earn rewards outside Kohl's (3% gas, 2% groceries, 1% everything else). The store-only card offers higher rewards at Kohl's but is completely limited to Kohl's locations. Choose the Visa if you want versatility; choose the store card if you only shop at Kohl's.
Who should skip this card?
If you shop at Kohl's infrequently, carry a balance, or prefer cash back over store-locked rewards, this card won't work for you. It's built for a specific customer: someone who shops at Kohl's regularly, pays monthly, and values the 7.5% rate enough to redeem within 30 days consistently.
Reviewed by YoungerFinance Editorial · Last updated August 11, 2026