Kohl’s Rewards® Visa from Capital One: annual fee, APR and rewards

Fact sheet for the Kohl's Rewards® Visa, issued by Capital One, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Capital One
Network	Visa
Annual fee	$0
Rewards	Points: Kohl's Rewards® members earn 7.5% in rewards on Kohl's purchases every day, 3% in rewards on gas, 2% in rewards at grocery stores, and 1% in rewards everywhere else Visa is accepted. Rewards convert to Kohl's Cash in $5 increments.
Purchase APR	29.49% variable APR
Balance transfer fee	4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Sign-up bonus	Take 40% off your first purchase in store or at Kohls.com within 30 days of account opening.
Foreign transaction fee	None
Credit level	Excellent, Good

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 30.24%, with a range of 29.99% to 30.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.