Kirkland's Credit Card

K-club members earn a $5 reward for every 150 points, but we wanted to show our credit card holders a little extra love.

Earn 2X the points or choose special financing on qualifying purchases when you use your Kirkland's Credit Card.1

Now offering special financing options1

No interest if paid in full within 6 or 12 months.

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.1 Minimum purchase of $250 for 6 months or $500 for 12 months required.
Kirkland's Credit Card

When You Use Your Kirkland's Credit Card

No Annual Fees or Pre-Payment Penalties 1

Easy-to-Use Online Account Management

Earn 2X Points on your purchases

Kirkland's Credit Card Details

Complete your online Kirkland's Credit Card Application:

  • Click on "Learn More and Apply"
  • Fill in all the required information for application
  • If approved, shop and earn 2X the points on your purchases

As a Kirkland's Credit Card Holder:

  • Early Access and Advance Notice - You will receive advance notice of sales, events and other special Kirkland’s opportunities. Plus you will be on a preferred list to receive our money-saving coupons.

Kirkland's Credit Card Features:

  • No annual fees 1
  • No pre-payment penalties 1
  • Easy-to-use online account management and bill

Credit Card FAQs

1 The Kirkland’s credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases of $250 or more for 6 months or $500 or more for 12 months charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 5/6/2022 and is subject to change. For current information, call us at 1-800-431-5921. Offer expires 12/31/2022.