How to Apply for a Kohl's Credit Card Online

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Last Updated: September 27, 2023

To be approved for a Kohl's credit card (issued through Capital One), you need a credit score of 640 or higher. The approval process is quick, and in some cases can take less than one minute after applying! This article provides a simple walkthrough to guide you through the application process.

1

Visit the Kohl's website.

Open Kohl's website in a new window by pressing Shift and clicking this link: Kohls.com
- At the top of the page, click on the link that says "my kohl's charge" and you'll be directed to the first signup page:
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2

Click the "Apply for a Kohl's Card" button.

This will open up a secure connection where you can begin the signup process.
- Consider reading the Security and Privacy Policy before applying for a Kohl's charge card—or any charge card—online. Click on the "Security and Privacy Policy" link at the bottom of the page to learn more about how the company may use your personal information.
- When you apply for a Kohl's credit card, the store may collect and store information, including your name, birth date, telephone number, address, email address and social security number.
- If you feel comfortable with what you read, close the "Security and Privacy Policy" page to return to the online credit application page.
- Click the "Apply Now!*" button when you're ready to continue.

3

Review the "Consent to Electronic Disclosures" page.

This allows you to receive an electronic copy of the Kohl's card member agreement. You can view it by using Adobe Acrobat Reader.
- The card member agreement usually includes useful information about interest rates, billing statement periods, late payment fees and other items pertaining to your account.
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4

Select "Continue."

This will allow you to proceed to the Kohl's online application. Be sure you agree to the terms of the card agreement.
- If you received a Personal Offer Code, enter it in the next screen, and press Submit. Otherwise, press Continue.

5

Fill out the "Application Information" section.

Form fields marked by asterisks (*) indicate required information. Enter your first and last name, your home address, and your primary (home) phone number.
- If you wish, include your work phone as well.
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6

Enter data in the "Verification Information" section of the Kohl's online application.

Type your social security number, birth date and annual household income in the required fields.
- Check the box next to the "Sign-up for Sale Alerts" field, if you want to receive sales alerts and coupons toward future purchases. Leave the box unchecked if you decline this option.

7

Review your information.

Make sure it is accurate before going to the next step in the application process.
- Also review the fine print at the bottom of the application. Check the related box to indicate that you have read the credit card agreement, verified the information in your credit application and granted permission for Kohl's to obtain information about your credit profile.
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8

Select "Apply".

9

Wait for confirmation.

In most cases, it takes as little as 1 minute to approve your credit account.

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Expert Q&A

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Question

How should you destroy a credit card that you're no longer using?

Andrew Lokenauth
Finance Executive
Andrew Lokenauth is a Finance Executive who has over 15 years of experience working on Wall St. and in Tech & Start-ups. Andrew helps management teams translate their financials into actionable business decisions. He has held positions at Goldman Sachs, Citi, and JPMorgan Asset Management. He is the founder of Fluent in Finance, a firm that provides resources to help others learn to build wealth, understand the importance of investing, create a healthy budget, strategize debt pay-off, develop a retirement roadmap, and create a personalized investing plan. His insights have been quoted in Forbes, TIME, Business Insider, Nasdaq, Yahoo Finance, BankRate, and U.S. News. Andrew has a Bachelor of Business Administration Degree (BBA), Accounting and Finance from Pace University.

Andrew Lokenauth

Finance Executive

Expert Answer

Call your credit card company and let them know that you no longer have this card or tell them you want to put a freeze on the credit card. Also, cut it in half and throw it in the garbage.

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Question

Can I re-open a Kohls card after a bankruptcy?

Community Answer

If your Kohl's card was part of your bankruptcy filing and therefore left unpaid, it's highly unlikely they will allow you to open another card.

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Question

How do you increase your credit card limit?

Donagan

Top Answerer

If an increase isn't given automatically after a year of on-time payments, just call and ask the company for one. They will decide based on your income and credit history.

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Tips

The account may be available to use immediately upon approval in-store or online. Expect to receive the Kohl's charge card in the mail in approximately 7 to 10 days.

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