How to Apply for a Kohl's Credit Card

Kohl's credit card holders receive special discounts and other incentives that make the card very attractive to avid Kohl's shoppers. Applying for a Kohl's card is easy because there are a few different ways to submit an application for credit. If you're approved for a card, the credit limit you receive depends on your credit score and the information listed within your credit report.

Instructions

1. Apply for a Kohl's credit card when prompted by a clerk within the store. This is a great way to get a discount on the purchases you already planned to make, but you will only receive the discount if your application is approved. The good news is that the application is usually processed very quickly, resulting in a credit decision within a couple of minutes.

2. Applying online at the Kohl's website is another way to submit an application and receive a rapid response. Be prepared to input your contact information onto Kohl's website, as well as your social security number. You will also have to consent to receive an electronic copy of the cardholder agreement before proceeding to submit the application online. Kohl's credit cards are issued through Chase, so be aware that your information will be shared with this financial institution.

3. You can apply over the phone if this is your preferred method of requesting a credit card. The phone number to call to request a Kohl's credit card is 800-564-5740. Because Kohl's prefers customers to apply online or in a store, you may be prompted to use one of these methods, but customer service representatives do have the capability to accept an application over the phone.

4. Print out a credit application from the website and take it to a local Kohl's store. The website offers a printer-friendly credit application that can be printed at home. Fill it out at your convenience. When you are ready, take the completed application to a customer service representative within a Kohl's store for a credit decision.

5. Pick up a paper application at a Kohl's store. Fill it out and send it through the mail or return to the store with the completed application. Paper applications are available at every Kohl's store. Sending an application through the mail will take longer for a credit decision than other methods, but some people still prefer this method over other ways of applying for credit.

Tips & Warnings

• Kohl's offers an enhanced credit card with additional discounts for shoppers who use their Kohl's cards regularly.

• The interest rate offered on a Kohl's card is probably higher than a Visa or MasterCard.

References

• Kohl's Credit Card Application Website