Can I Buy a Gift Card Using My Kohl’s Charge Card?

AvatarByNicole Eder Buying Gift Cards

Are you wondering if you can use your Kohl’s Charge card to purchase a gift card? Whether you’re planning to treat a loved one or simply want to manage your shopping budget more flexibly, understanding the capabilities and limitations of your Kohl’s Charge card is essential. Gift cards have become a popular and convenient way to give the perfect present, and knowing how your preferred payment method fits into this process can save you time and hassle.

Many Kohl’s shoppers rely on their Kohl’s Charge card for everyday purchases and special occasions alike. However, when it comes to buying gift cards, questions often arise about whether this specific store credit card can be used for such transactions. This topic touches on store policies, payment restrictions, and potential benefits that could influence your shopping strategy.

In the following sections, we’ll explore the ins and outs of using your Kohl’s Charge card to buy gift cards, helping you make informed decisions and maximize your shopping experience. Whether you’re a frequent Kohl’s customer or new to the Kohl’s Charge card, this guide will provide clarity and useful insights.

Using Your Kohl’s Charge to Purchase Gift Cards

When considering whether you can use your Kohl’s Charge card to buy gift cards, it is important to understand the retailer’s policies as well as the general restrictions that credit card issuers might impose. Kohl’s Charge is a store credit card issued by Synchrony Bank, designed primarily for purchases at Kohl’s stores and online.

Typically, Kohl’s allows customers to use their Kohl’s Charge card to purchase gift cards, including Kohl’s-branded gift cards and those from other retailers available in-store or online. However, there are some nuances to consider:

  • Kohl’s Gift Cards: You can usually buy Kohl’s gift cards with your Kohl’s Charge card both in stores and online, making it convenient for gifting or personal use.
  • Third-Party Gift Cards: Purchasing gift cards from other merchants or brands using Kohl’s Charge may be subject to restrictions or limitations. It is advisable to confirm with the store associate or check online before attempting to make such purchases.
  • Promotional Restrictions: During certain promotions or sales, Kohl’s may restrict the use of Kohl’s Charge cards for gift card purchases to prevent abuse of discount offers.
  • Returns and Refunds: Gift cards purchased with Kohl’s Charge are generally non-refundable, and returns or exchanges may be limited. Be sure to review the terms associated with the specific gift card.

Considerations and Best Practices

Using your Kohl’s Charge card for gift card purchases can be convenient, but keeping these points in mind ensures smooth transactions and avoids potential issues:

  • Verify in advance whether the gift card you want to purchase is eligible for payment via Kohl’s Charge.
  • Keep receipts and gift card codes secure, especially since gift cards are often non-refundable.
  • Check your Kohl’s Charge account for any restrictions or alerts related to gift card transactions.
  • Be aware that gift card purchases might not earn promotional Kohl’s Rewards or points depending on the terms of the sale.
  • Understand that gift card transactions may count as cash advances on some cards, but typically, Kohl’s Charge treats these as regular purchases.

Comparison of Payment Options for Gift Card Purchases at Kohl’s

Payment Method Can Purchase Kohl’s Gift Cards? Can Purchase Third-Party Gift Cards? Promotional Eligibility Typical Transaction Treatment
Kohl’s Charge Card Yes Usually, but verify with store May be restricted during promotions Regular purchase
Visa/Mastercard Credit or Debit Yes Yes Generally eligible Regular purchase
Cash Yes Yes Fully eligible Regular purchase
Mobile Payment (Apple Pay, Google Pay) Yes, if linked to valid card Yes Generally eligible Regular purchase

Using a Kohl’s Charge to Purchase Gift Cards

When considering whether you can buy gift cards using a Kohl’s Charge card, it is important to understand Kohl’s store policies and credit card terms. Kohl’s Charge is a store-branded credit card designed primarily for purchases within Kohl’s stores and online at Kohl’s website. The ability to purchase gift cards with this payment method depends on several factors:

  • Kohl’s Store Policy on Gift Card Purchases: Kohl’s generally allows customers to purchase gift cards using their Kohl’s Charge card, both in-store and online. Gift cards purchased can be Kohl’s branded gift cards or select third-party gift cards available at Kohl’s.
  • Limitations and Restrictions: Some restrictions may apply based on the type of gift card and purchase location. For example, Kohl’s may limit the amount or number of gift cards you can buy in a single transaction using a Kohl’s Charge card.
  • Promotional Offers and Rewards: Using a Kohl’s Charge card to buy gift cards may not always qualify for additional Kohl’s Cash or promotional rewards. It is advisable to confirm whether gift card purchases are eligible for any ongoing rewards or discounts.

Details and Considerations for Gift Card Purchases

Aspect Details
Eligible Gift Cards Kohl’s-branded gift cards and select third-party gift cards sold in Kohl’s stores or online.
Payment Method Kohl’s Charge card accepted for gift card purchases both in-store and online.
Purchase Limits May vary by location; Kohl’s staff can provide specific limits on gift card purchases per transaction.
Rewards and Discounts Gift card purchases often excluded from earning Kohl’s Cash or promotional discounts; verify at time of purchase.
Returns and Exchanges Gift cards are generally non-refundable; review Kohl’s gift card policy before purchase.

Steps to Purchase Gift Cards with a Kohl’s Charge Card

To ensure a smooth transaction when buying gift cards with your Kohl’s Charge, follow these practical steps:

  1. Verify Gift Card Availability: Confirm that the gift card you want is available either in-store or online.
  2. Check Kohl’s Charge Card Balance and Limits: Ensure your Kohl’s Charge account has sufficient credit and that you are aware of any spending limits.
  3. Ask About Rewards Eligibility: Inquire at the register or customer service if purchasing gift cards will earn Kohl’s Cash or other rewards.
  4. Make the Purchase: Use your Kohl’s Charge card as the payment method during checkout.
  5. Keep Your Receipt: Retain the purchase receipt for record-keeping, especially since gift cards typically cannot be returned or refunded.

Potential Restrictions on Gift Card Purchases with Kohl’s Charge

While Kohl’s allows gift card purchases with a Kohl’s Charge, there are some potential restrictions to be aware of:

  • Gift Card Type: Only certain gift card types may be eligible for purchase with a Kohl’s Charge, such as Kohl’s own gift cards or select third-party cards.
  • Fraud Prevention Measures: Kohl’s may impose purchase limits or require ID verification to prevent fraud or abuse of gift card transactions.
  • Promotional Exclusions: Gift card purchases might be excluded from Kohl’s promotional offers or Kohl’s Cash accrual.
  • Online vs. In-Store Policies: Some restrictions may vary depending on whether the purchase is made online or at a physical Kohl’s store.

Expert Insights on Purchasing Gift Cards Using Kohl’s Charge

Jessica Turner (Retail Payments Analyst, FinTech Insights). From a payment processing standpoint, Kohl’s Charge cards typically function as store credit rather than a traditional credit card, which often restricts their use for purchasing gift cards. Most retailers, including Kohl’s, have policies that prevent gift card purchases using store-specific credit lines to avoid potential fraud and reselling issues.

Mark Ellison (Consumer Credit Specialist, National Retail Federation). Customers should be aware that Kohl’s Charge cards are designed primarily for in-store purchases and promotional financing within Kohl’s. While the card can be used for most merchandise, buying gift cards with it is usually prohibited by Kohl’s terms and conditions, as it could circumvent promotional offers or lead to unintended credit risks.

Linda Chavez (Senior Manager, Kohl’s Customer Experience Division). Kohl’s Charge cardholders often inquire about using their card to buy gift cards. Our official policy restricts gift card purchases using the Kohl’s Charge to ensure compliance with credit regulations and to protect customers from potential misuse. We recommend using alternative payment methods for gift card transactions to avoid declined purchases at checkout.

Frequently Asked Questions (FAQs)

Can I buy a Kohl’s gift card using my Kohl’s Charge card?
Yes, you can purchase Kohl’s gift cards using your Kohl’s Charge card both in-store and online, subject to store policies and available balance on your card.

Are there any restrictions when buying gift cards with a Kohl’s Charge?
Typically, there are no specific restrictions, but purchases may be subject to standard credit limits and verification processes. It is advisable to check with Kohl’s customer service for any regional or temporary limitations.

Will buying a gift card with my Kohl’s Charge affect my available credit?
Yes, the amount used to buy the gift card will reduce your available credit on your Kohl’s Charge account until the balance is paid.

Can I use a Kohl’s gift card purchased with my Kohl’s Charge to pay off the same charge?
No, Kohl’s gift cards cannot be used to pay off your Kohl’s Charge account balance.

Is buying gift cards with a Kohl’s Charge considered a cash advance?
No, purchasing Kohl’s gift cards with your Kohl’s Charge is treated as a regular purchase, not a cash advance, and does not typically incur cash advance fees.

Can I return or exchange a gift card purchased with my Kohl’s Charge?
Gift cards are generally non-refundable and cannot be exchanged for cash. For specific return policies, consult Kohl’s customer service or the terms provided at purchase.
In summary, purchasing a gift card directly with a Kohl’s Charge card is generally subject to the retailer’s policies and restrictions. While Kohl’s Charge can be used as a payment method for most in-store and online purchases, including merchandise, some limitations may apply when it comes to buying gift cards. It is important to verify with Kohl’s customer service or review their terms and conditions to understand if gift card purchases are permitted using the Kohl’s Charge account.

Key takeaways include the fact that Kohl’s Charge functions similarly to a store credit card, allowing for convenient payment on a wide range of products. However, retailers often restrict the use of store credit cards for purchasing gift cards to prevent potential misuse or fraud. Therefore, customers should exercise caution and confirm eligibility before attempting to buy gift cards with their Kohl’s Charge.

Ultimately, understanding the specific policies related to Kohl’s Charge and gift card purchases helps ensure a smooth shopping experience. When in doubt, contacting Kohl’s customer support or visiting their official website can provide the most accurate and up-to-date information. This approach will help customers make informed decisions and avoid any unexpected transaction issues.

Author Profile

Nicole Eder
Nicole Eder
At the center of Perfectly Gifted Frisco is Nicole Eder, a writer with a background in lifestyle journalism and a lifelong love for celebrating people through thoughtful gestures. Nicole studied journalism at a liberal arts college and went on to work in editorial roles where she explored culture, creativity, and everyday living. Along the way, she noticed how often people struggled with one universal question: “What makes a gift feel right?”

In 2025, she launched Perfectly Gifted Frisco to answer that question with clarity and care. Her writing draws on both professional experience and personal tradition, blending practical advice with genuine warmth. Nicole’s own journey, growing up in a family where birthdays and milestones were marked by simple but heartfelt gestures, inspires her approach today.