Capital One
Kohl's Rewards Visa Benefits, Credits & Annual Fee
No annual fee · Earns Cash Back
The Kohl's Rewards Visa is a no-annual-fee store-affiliated card best for frequent Kohl's shoppers, earning 7.5% back on Kohl's purchases, 3% on gas, 2% at grocery stores, and 1% everywhere else Visa is accepted.
- 7.5%Kohl's
- 3%Gas
- 2%Groceries
Maintained by Creddy Editorial · Catalog checked Oct 7, 2026
Kohl's Rewards Visa at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Capital One
- Rewards:
- Cash Back
Kohl's Rewards Visa Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Gas | 3% | |
| Groceries | 2% | |
| Everything else | 1% |
Who Should Get the Kohl's Rewards Visa?
The Kohl's Rewards Visa fits people who spend most on gas (3%) and groceries (2%). It has no annual fee, so it costs nothing to keep.
Is the Kohl's Rewards Visa Worth It?
The Kohl's Rewards Visa has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Kohl's Rewards Visa Welcome Bonus
40% off one qualifying Kohl's purchase after opening a new Kohl's Card
Kohl's Rewards Visa Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Kohl's Rewards Visa. Its value comes from its rewards and other benefits on this page.
Kohl's Rewards Visa Travel Benefits
Travel Benefits
- Emergency and Travel Assistance Services
Get access to emergency and travel assistance services through your Visa Signature card benefits. Contact the service when you need help during a trip or with a travel-related emergency. Assistance provides help arranging services; any resulting charges may be your responsibility.
Checked Oct 7, 2026
More Kohl's Rewards Visa Card Benefits
Bonus Earnings
- 1% Rewards Everywhere Else1%
Earn 1% in rewards everywhere else Visa is accepted with the Kohl's Rewards Visa.
Checked Oct 1, 2026 - 7.5% Rewards Earning at Kohl's7.5%
Earn 7.5% in rewards on eligible purchases at Kohl's every day when you pay with your Kohl's Card. Rewards are issued as Kohl's Cash.
Checked Sep 14, 2026 - 3% Rewards on Gas3%
Earn 3% in rewards on gas purchases with the Kohl's Rewards Visa.
Checked Oct 1, 2026 - 2% Rewards at Grocery Stores2%
Earn 2% in rewards at grocery stores with the Kohl's Rewards Visa.
Checked Oct 1, 2026
Concierge & Membership
- Visa Signature Concierge
Get 24/7 access to a personal concierge who can help with travel bookings, restaurant reservations, event tickets, and more. Call the Visa Signature Concierge line anytime, from anywhere. Emergency and travel assistance services are also included.
Checked Sep 3, 2026
Fees & Miscellaneous
- Special Anniversary Offer
Each year on your card anniversary, Kohl's sends you a special savings offer as a thank-you for being a cardholder. Watch your email or account for the offer around your anniversary date.
Checked Sep 3, 2026 - Monthly Exclusive Savings Opportunities
Get access to savings offers at Kohl's that are available only to Kohl's Card cardholders. New offers are available each month, giving you regular chances to pay less on purchases in-store or online.
Checked Sep 3, 2026 - Most Valued Customer (MVC) Status and Monthly Free ShippingTrackableMin spend $600
Spend $600 at Kohl's in a calendar year (January 1-December 31) to earn Most Valued Customer (MVC) status. MVCs get monthly free shipping opportunities on Kohl's orders. Spending resets each January 1, so you'll need to re-qualify annually.
Resets: Calendar yearChecked Sep 13, 2026 - No Annual Fee
Carrying the Kohl's Rewards Visa costs nothing in annual fees - ever. You keep all the rewards and benefits without paying a yearly membership charge.
Checked Sep 3, 2026
Kohl's Rewards Visa vs Other Capital One Cards
- BJ's OneNo annual fee
- BJ's One+No annual fee
- Capital One QuicksilverNo annual fee
- Capital One SavorNo annual fee
Related credit card guides
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Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Kohl's Rewards Visa FAQs
Is the Kohls Rewards Visa worth the annual fee?
Compare Kohl's Rewards Visa's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for Kohls Rewards Visa?
Creddy's September 26, 2026 catalog lists Most Valued Customer (MVC) Status and Monthly Free Shipping for Kohl's Rewards Visa. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with Capital One. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Kohls Rewards Visa?
Creddy's catalog lists a $0 annual fee for Kohl's Rewards Visa as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Capital One before applying or renewing.
Does the Kohls Rewards Visa come with a welcome bonus?
Welcome offers for Kohl's Rewards Visa can change and may depend on your application or account history. Check Capital One's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Kohls Rewards Visa?
Kohl's Rewards Visa may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Kohls Rewards Visa compare to other Capital One cards?
Compare Kohl's Rewards Visa with other Capital One cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.