How to decide if the points, perks, and cash back outweigh the costs LaToya Irby is a credit expert who has been covering credit and debt management for nearly 20 years. She's been quoted widely in ...

Nicole Fallon-Peek is a freelance journalist who has covered small business, careers and finance for 15 years. She is a small business owner and former managing editor of Business News Daily. Her work ...

Kohl's Rewards is a free loyalty program that allows members to earn 5% back on every purchase. Rewards are converted into Kohl's Cash in $5 increments on the first of each month and expire after 30 ...