How does SwipeCaddy pick the best card at Kohl's?

We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Kohl's's card-acceptance rules, so the "best" card is one you can actually use at the register.

Is the Kohl's Card worth it if you only shop at Kohl's occasionally?

It carries no annual fee, so there is no yearly cost to holding it, and its 7.5x rate is worth about 6 cents per dollar under our valuation, triple what a flat 2 percent card returns here. If Kohl's shows up in your budget regularly, it earns its slot; if you shop there once or twice a year, a no-fee 2 percent card is close enough.

Is the card ranking different on Kohls.com than in the store?

No. The ranking is identical in store and on Kohls.com: the Kohl's Card leads both channels at 7.5x, followed by the same lineup of flat 2 percent cards. One wrinkle applies everywhere: the Apple Card needs a mobile-wallet payment to earn its 2 percent. Pick your card once and use it in either channel.

Best cards at Kohl's

Kohl's Card earns the most at Kohl's right now at 7.5x.

Rankings use issuer rates verified as of August 16, 2026.

In store

1
#17.5x
Kohl's Card
Capital One · Store card · No annual fee
7.5x
2
#25%
Max Cash Preferred Card
Elan Financial Services · Visa · No annual fee · Choose this category · up to $2,000/qtr (combined)
5%
3
#35%
U.S. Bank Cash+ Visa Signature Card
U.S. Bank · Visa · No annual fee · Choose this category · up to $2,000/qtr (combined)
5%
4
#43x
Huntington Voice Rewards Credit Card
Huntington · Mastercard · No annual fee · Choose this category · up to $2,000/qtr (combined)
3x
5
#53x
Robinhood Gold Card
Coastal Community Bank · Visa · No annual fee
3x
6
#62%
Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
2%
7
#72%
Blue Business Cash Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2%
8
#82x
The Blue Business Plus Credit Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2x
9
#92%
Citi Double Cash Card
Citi · Mastercard · No annual fee
2%
10
#102%
Coinbase One Card
Cardless · Amex · No annual fee
2%

Online

Good to know at Kohl's

Kohl's takes all major card networks, in store and online, so acceptance never decides this one. What matters is the gap at the top: the Kohl's Card earns 7.5x with no annual fee, which our conservative valuation prices at about 6 cents per dollar. Nothing else on the list comes close; the next-best options are flat 2 percent cards, decent floors but a different league entirely.

The ranking does not change between the register and Kohls.com, so one decision covers both. Behind the leader, the fine print is mild but real: American Express's two Blue Business cards are worth about 2 percent each, but only up to $50,000 a year; the Apple Card pays its 2 percent only through the mobile wallet; and Capital One's Venture line charges $95 to $395 a year for the same 2x.

If the Kohl's Card is not in your wallet, do not overthink it. Any of the no-annual-fee flat 2 percent options here is a solid fallback, worth 2 cents per dollar. And paying $95, $150, or $395 a year for the same 2 percent in value buys you nothing extra at Kohl's, so the fee cards only make sense if you hold them for other reasons.

The math

Spend $100 a month at Kohl's and Kohl's Card returns about $72 a year at our valuations — a flat 2% card returns $24.

Common questions

What is the best credit card at Kohl's?: Kohl's Card earns the most at Kohl's right now at 7.5x.
How does SwipeCaddy pick the best card at Kohl's?: We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Kohl's's card-acceptance rules, so the "best" card is one you can actually use at the register.
Is the Kohl's Card worth it if you only shop at Kohl's occasionally?: It carries no annual fee, so there is no yearly cost to holding it, and its 7.5x rate is worth about 6 cents per dollar under our valuation, triple what a flat 2 percent card returns here. If Kohl's shows up in your budget regularly, it earns its slot; if you shop there once or twice a year, a no-fee 2 percent card is close enough.
Is the card ranking different on Kohls.com than in the store?: No. The ranking is identical in store and on Kohls.com: the Kohl's Card leads both channels at 7.5x, followed by the same lineup of flat 2 percent cards. One wrinkle applies everywhere: the Apple Card needs a mobile-wallet payment to earn its 2 percent. Pick your card once and use it in either channel.

Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.