How to Apply for a Kohl's Credit Card

Kohl's is a U.S. department store chain that offers private-branded goods, exclusive labels, and nationally recognized brand-name merchandise. Kohl's Corp., in affiliation with Capital One, also offers an in-store credit card that provides members-only discounts and incentives.^{[1]XResearch source} Cardholders are eligible for monthly discount offers ranging from 15 to 30 percent off a single purchase.^{[2]XResearch source} You can apply for a Kohl's charge card online or in-store.

Method 1

Method 1 of 2:

Applying Online

1
Visit the Kohl's website. The first step to apply online is to visit the Kohl's website. If you do not know the web address, you can search for "Kohl's card" online.^{[3]XResearch source}
- Applying online is quick and easy. The approval process takes approximately one minute, once the application is complete.^{[4]XResearch source}
- Some Kohl's customers who complete an online transaction at Kohls.com may receive a pop-up notification that Kohl's has determined that customer is pre-qualified for a Kohl's charge card. Customers receiving this message can click "Apply Now" through the pop-up notification, and the website will take them directly to the application page. However, not all customers who are deemed pre-qualified will necessarily be approved after completing the application.^{[5]XResearch source}
2
Consent to an electronic disclosure. Before you can begin the application, you will need to consent to an electronic disclosure. This simply means that you consent to receive electronic copies of Kohl's Account Opening Disclosures, Cardmember Agreement, and Credit Card Privacy Policy.^{[6]XResearch source}
- To confirm your consent, simply click the green "continue" button at the bottom of the screen.^{[7]XResearch source}
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Once you've given your consent, you may begin the application process. If you've been given a personal offer code, you may enter that code on the screen immediately following the consent page. Otherwise, simply click the green "continue" button to proceed to the application.^{[8]XResearch source}
4
Enter your personal information. The first page of the actual application will require you to enter your personal information. Capital One has a strict privacy policy which guarantees that your personal information will not be shared with any third parties for marketing purposes.^{[9]XResearch source} The application asks for your:
- first and last name^{[10]XResearch source}
- full address, including city, state, and zip code^{[11]XResearch source}
- home or mobile phone number^{[12]XResearch source}
- email address^{[13]XResearch source}
- social security number^{[14]XResearch source}
- date of birth^{[15]XResearch source}
- annual gross income^{[16]XResearch source}
5
Agree to the terms and conditions. Once you've entered your personal information, you will need to scroll down to the bottom of the page. The website details the card's interest rates and charges, late payment/returned payment charges (both up to $35), and compliance information regarding the USA PATRIOT Act requirements.^{[17]XResearch source}
- The annual percentage rate (APR) for all purchases is 23.99 percent as of November 2015.^{[18]XResearch source}
- The penalty APR, which is applied in the event that a minimum payment is late or declined, is 26.99 percent as of November 2015.^{[19]XResearch source}
- Once you have read all of the terms, conditions, and disclosures, and correctly entered all of your personal information, you may click on the blank box at the bottom of the screen to indicate your consent.^{[20]XResearch source}
- When you're finished, click the green "continue" button at the bottom of the screen.
6
Wait for approval. The application typically takes 60 seconds or less for approval or denial.^{[21]XResearch source} If you take too long to complete the application, you may receive a message saying you've been timed out. If this happens, you will have to begin the process again from the beginning.
- If approved, you will receive your new Kohl's card in the mail within a few weeks.^{[22]XResearch source}
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Method 2

Method 2 of 2:

Getting a Card In-Store

To find a Kohl's store near you, you can visit Kohls.com and click "store locator" in the upper right-hand tab at the top of the home page. This will take you to a map of your region, with the option to either share your location with the website or enter your city or zip code. You can also search by state to see a full listing of all Kohl's locations in each U.S. state.^{[23]XResearch source}
Paper applications are available in every Kohl's store location, and any cashier or customer service agent should be able to provide you with an application.^{[24]XResearch sourcewww.people.opposingviews.com/kohls-charge-card-7833.html} If you intend to make purchases during your visit, you may want to complete the application prior to shopping so that you do not hold up the line.
3
Complete the application. The paper application will ask you for the same personal information that the online version requests. The advantage to completing the application in person is that if you are approved, you will be able to use your initial 15 percent discount on the same day, should you choose to make a purchase.^{[25]XResearch sourcewww.people.opposingviews.com/kohls-charge-card-7833.html} The application will require you to fill out your:
- full name (first and last)^{[26]XResearch source}
- home address^{[27]XResearch source}
- phone number^{[28]XResearch source}
- email address^{[29]XResearch source}
- social security number^{[30]XResearch source}
- date of birth^{[31]XResearch source}
- annual gross income^{[32]XResearch source}
Your Kohl's card will arrive in the mail within a few weeks of approval (if your application is approved). In the meantime, you can ask a cashier for a temporary card. This will include your name and card number, allowing you to make purchases in-store and online as you wait for your Capital One-issued charge card.^{[33]XResearch source}
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When applying for a Kohl's card, what do I fill in for annual gross income?
Donagan
Top Answerer
Multiply your weekly gross by 52, your monthly gross by 12, or use the adjusted gross income from your most recent tax return.
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Tips

If you prefer not to submit personal information over the Internet, you may print and deliver your completed application in person to a local Kohl's retail location. You may also mail the completed application to the Kohl's Charge Card Customer Service Center.
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