There is a big difference between these two coupons. At first glance I was excited and planning to redeem my "FREE" $20 at each store. I had recently went and made a few purchases at both Kohls and Old Navy, so I thought, what a nice way for them to "give back" (or not) - I realized the difference after talking to my daughter, who had previously fallen for the gimmick from Old Navy. Lesson learned - always read the fine print. The difference is to receive the $20 from Old Navy, you first must purchase $50 or more to be able to redeem the $20 coupon. However, Kohls was the real deal. It really was $20 cash for me to spend however I wanted. I almost felt guilty...almost. I left with the cashier saying I had .01 left. I purchased a swim suit cover and left Kohls with my free item. Thank you Kohls!! I'm not much of a coupon mom(ask my family), but Kohls made it easy, and it was(dare i say) satisfying to successfully utilize my coupon. Thank you for sending me an email reminder that I had $20 kohls cash to spend and letting me spend it without making me spend more! Almost makes me want to come back(and spend more) - Ha!