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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | $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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 7.5xKohl's stores and Kohls.comIssued monthly in $5 Kohl's Cash increments
- 3xGas stations
- 2xGrocery stores
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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