Does the Kohl's Charge have an annual fee?

No. Our record lists a $0 annual fee for the Kohl's Charge.

What does the Kohl's Charge earn?

7.5x on Kohl's purchases (Rewards Members), 5x on Kohl's purchases (non-Rewards Members), and 5x on other purchases.

Is the Kohl's Charge worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Kohl's purchases (Rewards Members)), the first year comes out around $675 before credits, including a welcome bonus valued at $0. Year two drops to about $675 before credits.

What credit do I need for the Kohl's Charge?

Our record lists "Fair" credit as the typical target for the Kohl's Charge. Capital One makes the final decision based on its own criteria.

Kohl's Charge Card

Capital One

No Annual Fee

Annual Fee

mastercardFairno-annual-fee5 months ago

Welcome Offer

No Welcome Offer

OpenCard analysis

Is the Kohl's Charge Card right for you?

The Kohl's Charge is a no-annual-fee rewards card from Capital One. Its strongest everyday earning is 7.5x on Kohl's purchases (Rewards Members), with 5x on most other purchases. With no fee, the question is simply whether 7.5x on Kohl's purchases (Rewards Members) beats what your current card earns there.

Who it's for

✓ People who spend steadily on Kohl's purchases (Rewards Members), where it earns 7.5x
✓ Anyone who wants Kohl's purchases (Rewards Members) rewards without paying an annual fee

First-year value estimate

Welcome bonus

Rewards on spending

$675

Annual fee (year 1)

−$0

Year 1, before credits

$675

Year two, without the welcome bonus: about $675 before credits ($675 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Kohl's purchases (Rewards Members) (7.5x) and $9,000 on everything else (5x) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-27.

How it compares

Amex Cash Magnet →

American Express, same $0 annual fee; earns 1.5x on everything.

American Express EveryDay →

American Express, same $0 annual fee; earns 2x on U.S. gas stations.

Apple →

Goldman Sachs, same $0 annual fee; earns 3x on Apple Purchases.

Compare side by side →

Frequently asked questions

Does the Kohl's Charge have an annual fee?: No. Our record lists a $0 annual fee for the Kohl's Charge.
What does the Kohl's Charge earn?: 7.5x on Kohl's purchases (Rewards Members), 5x on Kohl's purchases (non-Rewards Members), and 5x on other purchases.
Is the Kohl's Charge worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Kohl's purchases (Rewards Members)), the first year comes out around $675 before credits, including a welcome bonus valued at $0. Year two drops to about $675 before credits.
What credit do I need for the Kohl's Charge?: Our record lists "Fair" credit as the typical target for the Kohl's Charge. Capital One makes the final decision based on its own criteria.

Earning Rates

7.5×Kohl's purchases (Rewards Members)Earn 7.5% back in Kohl's Rewards on all Kohl's purchases

5×Kohl's purchases (non-Rewards Members)Earn 5% back in Kohl's Rewards without Kohl's Rewards membership

Other Benefits

Insurance

Sources

Last Updated: Apr 27, 2026