Regarding Kohl's. If you like to shop there the CC is worth it. You get so many coupons and I save a ton. My neighbor just got the CC, they are a cash family too, she charges to get the % off and then immediately pays the balance in cash. Best of both worlds, she uses cash but she gets to save and extra 15%, 20% or even 30%. Another benefit to Kohl's they take things back no questions.
If it is what you want, you can see it touch it and the price is good, I say buy the one with no shipping at Kohl's.