Kohl’s Credit Card Approval Requirements (2024)

FAQs

Kohl’s Credit Card Approval Requirements? ›

The Kohl's Credit Card approval requirements include a credit score of 640 or higher. This means you need at least fair credit to get approved for this card. Keep in mind that the issuer will also consider your credit history, income, and existing debt obligations when making a decision.

The Kohl's Credit Card approval requirements include a credit score of 640 or higher. This means you need at least fair credit to get approved for this card. Keep in mind that the issuer will also consider your credit history, income, and existing debt obligations when making a decision.

If you applied for a Kohl's Credit Card and did not receive instant approval, the issuer will send you a response by mail within 7-10 days.

Great for Saving $ but poor limits

Exspect a credit card limit from $300-$3000, Kohls limit. Even with credit scores above 700 except to start with $1,000 limit. However, the coupons and discounts can save you a ton of money when shopping and as long as you pay off every month you are good.

The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.

The Kohl's Credit Card uses any of the three major credit bureaus for credit card approval: Equifax, Experian, or TransUnion. In some cases, the Kohl's Credit Card pulls from more than one credit bureau when considering your application. So, make sure all of your reports are in order.

If you did not receive an immediate response to your application, you will receive one by mail in approximately 30 days. Have more questions?

We try to let you know the outcome of your in-person interview within 48 hours. That message is sent via email to the address you used for your candidate account.

How much is the starting Kohl's Credit Card credit limit? Kohl's does not say how much the minimum credit limit is. However, reports suggest the starting credit limit is about $300.

The best credit card for a 480 credit score is the OpenSky® Plus Secured Visa® Credit Card because it does not check your credit score when you apply and has a $0 annual fee.

Can you get a credit card with a 550 credit score? ›

Yes, it's possible to get an unsecured credit card with bad credit, including a score of 550. Yet the higher your score, the better the options available to you — especially in terms of rewards rates, interest rates and annual fees.

Our Privacy Notice is issued by Capital One, N.A. as the issuer of Kohl's Card accounts.

First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.

First Latitude Select Mastercard® Secured Credit Card

Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit. No minimum credit score required for approval!

Consider a secured credit card

A secured credit card requires that cardholders put down a deposit, which acts as collateral if they're ever unable to make payments. The Discover it® Secured Credit Card is one such option, requiring a security deposit of $200.

The credit score you need for the Kohl's Credit Card is 640 or higher. That means people with a least fair credit have a shot at getting approved for this card.

You can check your Kohl's Credit Card balance either online or by calling customer service at (855) 564-5748. It's also possible to check your Kohl's Credit Card balance through Kohl's mobile app.

The Kohl's Credit Card approval time can be anywhere between a minute and 30 days.