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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Store credit cards or
rewards credit cards?
With today's social distancing, many prefer online shopping to visiting a local store. As a result, many retailers started offering convenient services like online grocery delivery, free shipping, pickup options, or other benefits. Some services may be available to store card members for free, so you may want to apply for a local department store credit card. However, while it may be tempting to sign up for a store card, we wouldn't recommend applying for it without getting to know and understanding how the card works and if it's right for you. Below, as an example, we took the Kohl's store card and a regular credit card to show you how the two are compared to each other.
Offer is not available
The Kohl's credit card might not be the best option if you are after rewards
The Kohl's credit card may be easier to get than a regular rewards credit card. However, it offers no rewards. Still, those who tend to shop at Kohl's a lot may like saving offers for cardmembers. The Kohl's store card can only be used at Kohl's.
REWARDS CREDIT CARD
our choice
on Discover's secure website
Excellent/Good Credit
STORE CREDIT CARD
Kohl's Charge Card
Offer is not available
Fair Credit
REASON 1: NOT THE BEST SIGN-UP BONUS
The sign-up bonus on the Kohl's credit card is given in the form of a discount on the first in-store or online purchase on the day of account opening. Nice, but can be better. If you check out welcome bonuses of rewards credit cards, you can easily find a credit card with a sign-up bonus of $150 or even higher.
REWARDS BONUS
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
35% off your first Kohl’s Card purchase107
REASON 2: NO REWARDS
The Kohl's credit card comes without rewards on purchases. Regular rewards cards, on the contrary, can offer you various rewards options. You can choose to earn fixed cash back on all purchases or find a credit card with categories that earn elevated rewards. And rewards credit cards will always allow you to earn the basic 1% or 1 point on all purchases, including Kohl's purchases.
REWARDS
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
No rewards program107
REASON 3: LIMITED REDEMPTION OPTIONS
Even if you earn rewards with store credit cards, your redemption options will be limited to those stores. Regular rewards credit cards give more flexibility here. Many allow redeeming rewards as cash deposited to your bank account or simply cover any purchase with rewards.
REWARDS REDEMPTION
Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
Redeem Miles to pay any part of your monthly bill, including your minimum payment.
Redeem Miles to pay any part of your monthly bill, including your minimum payment.
No rewards program107
Rewards never expire
No rewards program107
REASON 4: HIGH INTEREST RATES
It's not a secret that store cards come with higher interest rates than regular credit cards. Plus, store cards rarely offer 0% introductory APRs. The Kohl's credit card is no exception - it comes with no 0% intro APR.
With a rewards credit card, you get a 0% intro APR, if the card has such an offer. That means you do not pay interest while you make minimum payments on time. And if you are unable to pay off the card balance by the end of the introductory period, the interest will apply to the remaining and new balance only.
INTRO APR ON PURCHASES
0% Intro APR (14 months)
No intro APR107
ONGOING APR
11.99% - 22.99% Variable APR
*See Terms
25.99%107
ANNUAL FEE
$0
None107
REASON 5: LIMITED USABILITY
The Kohl's credit card is designed exclusively for Kohl's shoppers and can be used at Kohl's only. Regular credit cards can be either Visa, Mastercard, Discover, or American Express credit cards meaning the cards can be accepted anywhere, not only at a specific retailer or place.
CREDIT CARD USAGE
Use Anywhere Discover Cards Accepted
Use your card at Kohl's.com107
Our choice for
online shopping 2021
Shopping with credit cards is not only a way to save, but also a way to earn rewards towards... future travel. The Discover it® Miles card can help you to do so with its unlimited 1.5x miles on all purchases and a miles-for-miles match at the end of the first year for new cardmembers. Plus, the card does not have an annual fee, which is rare among travel credit cards.
Rewards Bonus
UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
Popular credit cards for
online shopping
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% (18 months)
Regular APR
13.99% – 23.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
Intro APR on Purchases
0% (15 months)
Intro APR on Balance Transfer
0% (15 months)
Regular APR
13.49% - 23.49% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfer
0% (14 months)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
our choice
Intro APR on Purchases
0% (18 months)
Intro APR on Balance Transfer
0% (18 months)
Regular APR
13.74% - 23.74% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
Annual Fee
$0
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
our choice
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfer
0% (14 months)
Regular APR
11.99% - 22.99% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. Based Customer Service available any time.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
Best cards for shopping
for bad or no credit
our choice
- Initial refundable deposit of $300 becomes your credit limit
- 1% Cash back Rewards on every purchase
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- $0 fraud liability
- Checking Account Required
our choice
Card Type
Unsecured Store Credit Card
Regular APR
0.00%
Annual Fee
See terms
Guaranteed Approval
No
Instant Response
Yes
- Bad Credit, Low Score? No Problem!
- Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
- Build your Credit with responsible handling of your account
- Receive a $750 Credit Line
- Easy Application with Immediate Results
- No Credit Check
our choice
Card Type
Unsecured
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See Terms
Guaranteed Approval
No
Instant Response
Yes
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
questions ABOUT
REWARDS CREDIT CARDS
Is it worth applying for the Kohl's card?
The Kohl's card is a store card that offers no rewards on purchases and can be used at Kohl's only. If you are looking for a credit card that will allow you to earn rewards on every purchase you make, we would recommend...
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Read moreWhat are the advantages of having a store credit card?
When you shop a lot at one particular retailer, it may be worth having a credit card offered by that retailer. The reason is simple – you can improve your credit score and save a lot on your purchases because store...
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Updated: August 3, 2021