Kohl's Rewards® Visa
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Kohl's Rewards® Visa from Capital One earns up to 3% effective value on gas in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Gas
- Effective value
- 3%
- Annual fee
- $0
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 3x points.
What does the Kohl's Rewards Visa earn in each category?
Gas is the strongest category at 3% effective value (3x points at about 1 cents each). That gas rate ranks higher than about 82% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Kohl's Rewards Visa compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight gas at.
Gas is the strongest category at 3% effective value (3x points at about 1 cents each). That gas rate ranks higher than about 82% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Kohl's Rewards Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 3x points | 3% Top category |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Kohl's Cash at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Kohl's Rewards Visa reward caps and conditions?
The Kohl's Rewards Visa has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3% in rewards on gas
- 2% in rewards at grocery stores
Who should get the Kohl's Rewards Visa?
The Kohl's Rewards Visa fits spenders who put meaningful volume in gas and can earn 3x points. Best for spenders who put meaningful volume in gas and can earn 3x points.
Kohl's Rewards Visa fits spenders who put meaningful volume in gas and can earn 3x points. Madeen ranks its gas effective rate higher than about 82% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 3x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 3% effective (3x points).
- That gas rate ranks higher than about 82% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Kohl's Cash value depends on how you redeem, not straight cash back.
Does the Kohl's Rewards Visa have an annual fee?
The Kohl's Rewards Visa has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Kohl's Rewards Visa?
The Kohl's Rewards Visa includes Booking.com, Dovly Uplift™, Global Entry Statement Credit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
MVC monthly free shipping events.
$25/yrJust spend $600 with your Kohl’s Card to unlock MVC (Most Valued Customer) status for a year.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Universal Destinations & Experiences
$10/yrGet exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Visa Signature Luxury Hotel Collection
$10/yrEnjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Related encyclopedia topics
- Visa
- Shopping and dining network perks
- Credit score monitoring
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- Free Shipping
- Dining credit
- Priority Pass lounge access
- Roadside Dispatch
- Streaming or digital credit
- Stay connected in over 175 countries
- Travel and Emergency Assistance Services
Common questions about the Kohl's Rewards Visa
Where do cardholders spend most with the Kohl's Rewards Visa?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (3x), groceries (2x) for the Kohl's Rewards Visa. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Kohl's Rewards Visa have an annual fee?
The Kohl's Rewards Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Kohl's Rewards Visa?
Gas is the strongest Madeen category for the Kohl's Rewards Visa at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Kohl's Rewards Visa charge foreign transaction fees?
The Kohl's Rewards Visa does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Kohl's Rewards Visa?
Madeen's catalog lists a typical credit range of Good to Excellent for the Kohl's Rewards Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Kohl's Rewards Visa?
Rewards on the Kohl's Rewards Visa post as Kohl's Cash. Redemption value depends on how you use Kohl's Cash (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Kohl's Rewards Visa compare to similar cards?
Compare the Kohl's Rewards Visa against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Kohl's Rewards Visa This card | Gas | 3% | $0 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for gas spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure