kohl's credit card

Is It Hard to Get a Kohl’s Credit Card?


In the world of retail, credit cards offer a range of benefits, from discounts and rewards to convenient payment options. Kohl’s, a well-known American department store, offers its own credit card known as the “Kohl’s Credit Card.” But is it hard to get a Kohl’s Credit Card, and what do you need to know about the application process? In this article, we’ll delve into the details of obtaining a Kohl’s Credit Card and provide insights to help you navigate the process with ease.

Understanding the Kohl’s Credit Card

Before we explore the ease or difficulty of obtaining a Kohl’s Credit Card, let’s first understand what this credit card entails:

1. Types of Kohl’s Credit Cards

  • Kohl’s offers two primary types of credit cards: the Kohl’s Charge Card and the Kohl’s Charge Card MVC (Most Valued Customer). The MVC card comes with additional benefits for frequent shoppers.

2. Store Benefits

  • Kohl’s Credit Cardholders enjoy exclusive benefits, including regular discounts, special promotions, and early access to sales events.

3. Application Process

  • To obtain a Kohl’s Credit Card, you must submit an application, which is subject to approval by Kohl’s and the credit card issuer.

The Application Process

Getting a Kohl’s Credit Card involves a straightforward application process:

1. Online Application

2. Personal Information

  • The application will require you to provide personal information, including your name, address, Social Security number, and annual income.

3. Credit Check

  • Kohl’s and the credit card issuer will perform a credit check as part of the application process. This check assesses your creditworthiness and helps determine your eligibility.

4. Instant Decision

  • In many cases, you’ll receive an instant decision regarding your application. If approved, you can start using your Kohl’s Credit Card right away.

Factors Influencing Approval

The ease of obtaining a Kohl’s Credit Card depends on several factors:


1. Credit History

  • Your credit history plays a significant role. Applicants with good to excellent credit scores are more likely to be approved with ease.

2. Income

  • Your annual income is another crucial factor. It helps determine your ability to manage and repay credit.

3. Credit Utilization

  • Existing credit card balances and utilization also influence approval. High credit utilization may affect your chances of approval.

4. Recent Credit Inquiries

  • Multiple recent credit inquiries can raise concerns for credit card issuers. It’s advisable to apply for credit strategically.


Obtaining a Kohl’s Credit Card can be relatively easy for individuals with a good credit history and a stable income. However, those with limited credit history or poor credit scores may find it more challenging to get approved. It’s essential to consider your financial situation and creditworthiness before applying. If approved, the Kohl’s Credit Card can offer valuable benefits to enhance your shopping experience at Kohl’s.


1. Can I apply for a Kohl’s Credit Card with no credit history?

  • Yes, you can apply, but approval may be more challenging without a credit history. Kohl’s primarily approves applicants with good to excellent credit scores.

2. What are the benefits of a Kohl’s Credit Card?

  • Kohl’s Credit Cardholders enjoy exclusive discounts, promotions, and early access to sales events. MVC cardholders receive additional benefits.

3. Can I use a Kohl’s Credit Card only at Kohl’s stores?

  • Yes, the Kohl’s Credit Card is primarily designed for use at Kohl’s stores and on the Kohl’s website.

4. How long does it take to receive a decision on a Kohl’s Credit Card application?

  • In many cases, you’ll receive an instant decision. If approved, you can start using your card right away.

5. Is there an annual fee for a Kohl’s Credit Card?

  • No, Kohl’s Credit Cards typically do not have an annual fee, making them a cost-effective option for regular Kohl’s shoppers.

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