Kohl's Rewards Visa
By Alex Compton · Last verified
7.5% in Kohl's Cash everywhere Kohl's, with a 30-day fuse on every reward.
Welcome Bonus
None
40% off one qualifying Kohl's purchase within 30 days of credit availability
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
630+
(Fair-Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmed40% off one qualifying Kohl's purchase within 30 days of credit availability | Capital One Kohl's Card product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmed40% off one purchase in first 30 days | Archive record · no attached snapshot |
| 2024-09 | $0 | No recorded spend | Earliest record35% off first purchase under Capital One | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
40% off one purchase within 30 days, 7.5% at Kohl's, 3% gas, 2% grocery and no annual fee confirmed.
Capital One Kohl's Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 7.5xKohl's stores and Kohls.comIssued monthly in $5 Kohl's Cash increments
- 3xGas stations
- 2xGrocery stores
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦7.5% at Kohl's stacks with sale prices and most coupons
- ✦Network version works anywhere Visa is accepted, unlike the store-only Kohl's Card sibling
- ✦Capital One servicing beats the old private label experience
Why it earns its spot
- +7.5% is one of the highest store rates anywhere
- +Gas and grocery categories on a store card
- +40% first-purchase coupon is a big one-time win
Where it costs you
- −Kohl's Cash expires 30 days after issue, every month
- −All rewards are store credit, no cash option
- −Forces a monthly Kohl's trip to avoid losing rewards
The Compound Verdict
The 7.5% headline only pays if you shop Kohl's monthly, because rewards convert to Kohl's Cash that dies in 30 days. That expiration treadmill is the whole business model. Grab the 40% coupon for a wardrobe refresh, then be honest about whether you will keep up.
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