RateHerald

Our illustration in the card’s colours, not its design

Capital One credit card

Kohl's Card

No annual fee. Purchase APR 29.99–30.24%. No foreign transaction fees.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR
Foreign transactions
Credit asked
Good-Excellent

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$180$180
Typical spender$420$420
Heavy spender$840$840
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$180a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$420a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$840a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 80% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.

Other cash back cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Kohl's Rewards

How you earn

7.5%
Kohl's purchases
3%
gas (with the Kohl's Rewards Visa)
2%
grocery stores (with the Kohl's Rewards Visa)
1%
Everything else

Cash back, as a share of each purchase.

Benefits

  • Monthly exclusive savings opportunities.
  • Special anniversary offer every year.
  • Customers who spend $600 per year at Kohl’s from January 1 through December 31 become Most Valued Customers (MVCs) and receive monthly free shipping opportunities.
  • Account management, virtual card access, balance checking, card lock and AutoPay are available through the Capital One Mobile app.
  • If approved for the Kohl’s Rewards Visa, cardholders receive access to the 24-hour Visa Signature Concierge and emergency and travel assistance services.
All 6 benefits
  • Emergency assistance

Every figure with its receipt

Rates and fees

Annual fee
Purchase APR
Foreign transactions

Before you apply

  1. Credit the issuer asks for: Good-Excellent (issuer’s page).
  2. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  3. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  4. The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

Questions

What is the annual fee?
No annual fee · capitalone.com, since Oct 11, 2026
Does it charge a foreign transaction fee?
No. · Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?
29.99–30.24% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What credit do you need?
Good-Excellent · capitalone.com, since Oct 11, 2026
See it on capitalone.com

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