My Kohl’s Card Benefits and Perks

Last Updated on October 19, 2023 by Mykohlscard

There are multiple ways to earn direct rewards back and discounts on individual purchases with the MyKohlsCard. Your first transaction is discounted by 35%, and when your card arrives in the mail, you’ll receive a coupon for an additional 15% off your next Kohl’s purchase.

In addition to these discounts, you will receive at least 12 exclusive Kohl’s offers per year. Your account will be upgraded to “Most Valued Customer” status if you spend at least $600 with the clothing brand. This will provide you with 18 discounts per year.

By simultaneously enrolling in the Yes2You and Kohl’s Cash rewards programmes, you can significantly increase the amount of store credit you can use to reduce costs. With Yes2You, you’ll receive a $5 coupon for every $100 you spend. However, if you use Kohl’s Cash, you will receive a $10 gift certificate for every $50 you spend, so these rewards can quickly add up.

My Kohl’s cardholders are not charged an annual fee, and the variable APR is 26.49% in all cases. However, it is important to note that this is a Kohl’s-specific card that cannot be used elsewhere.

Benefits and Perks

Get 35% off your first order: With the My Kohl’s Charge Card, you can save 35% on your first purchase in-store or online.

Save 15% more: When your new card arrives in the mail, you’ll get a coupon for 15% off your next purchase.

My Kohl’s offers: If you keep your My Kohl’s card, you’ll get at least 12 different special offers to use at Kohl’s every year.

Get on the list of “Most Valued Customers”: f you have a My Kohl’s card and spend at least $600 in a year, you will be considered a Most Valued Customer. With this special program, you’ll be able to get 18 more discounts every year.

No annual fee: You don’t have to pay a fee every year to keep your My Kohl’s card.

High APR: At 26.49% Variable, the APR on the My Kohl’s Charge Card is high.

Yes2You rewards: You can get even more rewards if you connect your Yes2You account to your My Kohl’s Charge Card.

$5 Rewards certificate: Yes2You members get one point for every dollar they spend at Kohl’s. You’ll get a $5 coupon for another purchase when you reach 100 points.

Special sales: If you have a Yes2You account, you’ll get eight discounts a year just for being a member.

Birthday gift: On top of these discounts, you’ll also get a $10 birthday gift every year.

Bonus points: Sometimes, if you’re a Yes2You member, you’ll be able to take part in special offers and earn extra reward points.

The Kohl’s app: You can keep track of your rewards at the Kohl’s mobile app and log into your Yes2You account. Your $5 coupons that you’ve earned will also show up here, making it easy to use them.

Kohl’s Cash is a rewards program that builds on what your Yes2You account earns. For every $50 you spend, you get $10 back in Kohl’s Cash.

With Kohl’s Pay, you can pay with your My Kohl’s Charge Card even if you don’t have it on you. This service is set up through the Kohl’s app. You can also connect your Yes2You and Kohl’s Cash accounts here, putting all of your Kohl’s memberships in one place.

Four ways to pay: No matter what is going on in your life, Kohl’s has a way for you to pay off the balance on your My Kohl’s Charge Card. You can pay online, over the phone, in the mail, or in person with an employee.

My Kohl’s Charge AutoPay: If you have a checking, savings, or money market account, you can add it to your My Kohl’s online account to make payments on your balance statement automatically.

Rates and Fees

Annual Percentage Rate (APR) for Purchases

26.49% Variable. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers


APR for Cash Advances


Penalty APR and When It Applies


How to Avoid Paying Interest on Purchases

Payment is due no later than 25 calendar days after the close of each billing cycle. If you pay your entire monthly balance in full by the due date, interest will not be charged on any future purchases.

Annual Fee


Penalty Fees

  • Late Payment: up to $38
  • Returned Payment: up to $38

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