Shopping from Kohl’s becomes easier when you have a Kohl’s Credit Card. Returns are smoother – no receipt required – as your purchase history can be accessed from the store’s database. Forget to bring your card? No problem! They’ll verify the information of your account, check the ID and let you buy items on the card anyway.

 

The discounts are also significant. Consumers who want to save can wait for coupons and discounts and if they’re lucky, they may get a good deal. But, to reap the discounts and reward benefits at Kohl’s, you must become an expert. Let’s say you receive a monthly coupon giving you 15 percent off. You already have a $5 cash coupon that you can spend at Kohl’s. Now, if you go to Kohl’s and come across a sale, for instance, on clothes and everything is marked down 30 percent. You find a jacket you like priced at $49.99 after the discount. So, if you use your discount coupon and cash coupon, you’ll only be paying $32.49 for that jacket. Isn’t that a great deal? But if you want to get it, you’d have to keep track of your discounts and cash coupons. Make sure to use them at the right time.

 

The complexity of rewards programs, discounts and sales is a major weakness of the Kohl’s Charge card. Otherwise, it’s a good credit card. So, if you’re good at numbers and shop frequently at Kohl’s, then the Kohl’s Charge card might be right for you.


Is Kohls Credit Card Right for You?

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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