You can generally only use the % off if you're using a Kohls charge. You might be able to find some $5 coupons on ebay.
And op, the others are right. Kohl's cash comes off first, then the % off. I personally think this is deceptive. People new to this see Kohl's CASH and think that they'll be able to use the % off first, since, the cash is cash right? But, no, sadly.