Introducing the Harbor Freight Credit Card No Exclusions Get an EXTRA
OFF1 Your Entire 1st Purchase When You Open an Account Cannot be combined with other credit offers Apply In Store Today Pay & Manage Card
At this time all credit offers apply to in store purchases only.
Everyday Benefits
5 %


In Harbor Freight Money
On All Purchases2

No Exclusions

0 %


Equal Monthly Payments3

6 months on purchases $299 - $49899

12 months on purchases $499 - $179899

36 months on purchases $1799 or more 

Current Equal Pay Financing Offers

0% Interest with Equal Monthly Payments3

No interest is charged on a Harbor Freight promotional purchase and equal monthly payments are required until the purchase is paid in full. The equal monthly payment is calculated by dividing the total purchase price (including tax and shipping) by the number of months in the promotional period. If you do not make a required monthly payment on time, a late fee may be charged to your account balance and assessed interest.

Frequently Asked Questions
How do I apply for the Harbor Freight Credit Card?
The Harbor Freight Credit Card is available to use in only a select number of stores at this time. See a list of stores where you may apply and use your card.
Can I use the Harbor Freight Credit Card to make purchases at
Online purchases will be available later this year, but cannot be made at this time.
How will my payment be calculated for 0% Interest promotions?
Your monthly payment is equal to the purchase price (including taxes and shipping) divided by the number of months in the equal pay period, rounded to the next highest whole dollar, and only applies to the selected financing option shown. In the example below, for a total purchase of $300 you will pay $50/month for 6 months (i.e. $300/6 months = $50/month.) If you make your payments by the due date each month, the monthly payment shown should allow you to pay off this purchase within the equal pay period if this balance is the only balance on your account during the equal pay period. If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. If you do not make your payment on time you may be charged a late fee, including interest.
How do I earn Harbor Freight Money?
You earn 5 reward points for each $1 in net purchases (excluding equal pay purchases) charged to your Harbor Freight Credit Card, and receive $5 in Harbor Freight Money for every 500 points earned. See the Rewards Program Terms for full details.
How do I receive my Harbor Freight Money reward certificates?
Each time you earn Harbor Freight Money, you will be issued a reward certificate within 1-3 billing cycles. Simply bring your Harbor Freight Money reward certificate with you on your next trip to any Harbor Freight store.
Can I use my Harbor Freight Money towards all merchandise?
Yes, there are no product exclusions. Additionally, your Harbor Freight Money can be combined with all other coupons and discounts.
When does my Harbor Freight Money expire?
The expiration date is printed on your certificate.
How can I pay my bill?
  • By mailing to address on your statement
  • By phone at (855) 341-3108 (A fee may apply when paying with an Agent)
  • Online
Please note that in store payments are not accepted at this time
Offers subject to credit approval and cannot be combined. If your purchase qualifies for multiple offers, you will be asked to choose the offer to apply. Equal pay purchases and 10% off discount do not earn reward points. We reserve the right to discontinue or alter the terms of these offers at any time.

1 To qualify for this offer you must apply and be approved for the new Harbor Freight Tools Credit Card. One-time 10% off will be applied at checkout to your first purchase with the card unless your purchase qualifies for and you choose an equal pay option, in which case you will forfeit the 10% offer.

2 Earn 5 reward points for each $1 in net purchases charged to your Harbor Freight Tools Credit Card, and receive $5 in Harbor Freight Money for every 500 points earned. See Rewards Program Terms for details.

3 Qualifying purchase amount must be on a single receipt. No interest will be charged and equal monthly payments will be required on each equal pay purchase until it is paid in full. These payments equal the total equal pay purchase amount divided by the number of months in the equal pay period, rounded up to the next whole dollar. These payments maybe higher than the payments that would be required if this was not an equal pay purchase. Regular account terms apply to non-equal pay purchases.

3,4 For new accounts: As of 12/1/2019 Variable Purchase APR is 27.49%. Minimum interest charge is $2. This APR will vary with the market based on the prime rate. Existing cardholders: See your credit card agreement terms.