Kohl's Rewards Visa

Capital One · Personal card · Checked against Capital One's terms Oct 26, 2026

The Kohl's Rewards Visa earns 3x Kohl's Rewards at gas stations; 2x Kohl's Rewards at supermarkets; and 1x Kohl's Rewards on everything else. No annual fee. earnrate counts Kohl's Rewards at 1¢ each.

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Where it's in the top 3

Shell (3%) · Chevron (3%) · ExxonMobil (3%) · 76 (3%) · gas stations (3%) · Kohl's (2.5%)

Earning rates

1. 3
   Gas stations 3x Kohl's Rewards
   Merchants whose main business is selling gasoline. Set by merchant category code.

   • Not at gas at grocery stores or gas at superstores and warehouse clubs

   “3% on gasoline purchases made at merchants whose primary line of business is the sale of automotive gasoline” capitalone.com

2. 2.5
   Kohl's 2.5x Kohl's Rewards
   Card's own share only. Kohl's Rewards members earn 5% however they pay, and paying with the card raises that to 7.5% ("Earn 5% any way you pay or 7.5% when you use a Kohl's Card", kohls.com/feature/rewards.jsp, checked by hand because kohls.com blocks the weekly check). Kohl's stores and Kohls.com, excluding gift cards.

   “7.5% at Kohl’s stores or Kohls.com, excluding gift cards” capitalone.com

3. 2
   Supermarkets 2x Kohl's Rewards
   Groceries at discount stores, superstores, warehouse clubs (e.g. Costco, Walmart) and convenience stores earn 1%.

   • Not at superstores, warehouse clubs or convenience stores

   “2% at grocery stores (grocery purchases made at discount stores or superstores, including warehouse clubs” capitalone.com

4. 1
   Everything else 1x Kohl's Rewards

   “1% on purchases everywhere else Visa is accepted.” capitalone.com

Sources

• capitalone.com/credit-cards/kohls/

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Capital One's terms before you apply.