With over 1,000 stores in 49 states, there's a very good chance you have a Kohl's department store near you. Folks who shop often at Kohl's tend to be the type of person who likes to save on money without skimping on quality so, if this describes you, it might be worth your while to look into the Kohl's Charge card.

With access to special offers and early sales, owning a Kohl's charge can help you save big on your favorite items. Cardholders can also achieve Most Valued Customer status by crossing a particular spending threshold and many customers enjoy the ability to combine Kohl's charge discounts with special offers, Kohl's Cash and Yes2You Rewards for even greater savings.

On the flipside, if you're not able to pay off the balance on your Kohl's charge card every month, you could be left facing stiff penalty fees. And it can be difficult to know what special offers and savings are coming up, as they can be a bit of a surprise. There aren't any purchase rewards either, so it's safe to say this card isn't exactly for everyone.

However, for the Kohl's enthusiast, and those looking to stay loyal to their favorite fashion brands, the Kohl's charge has enough perks to make it worth their while.