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Combine Discounts
use your Harbor Freight Money reward
certificates with all other coupons & discounts
Fraud Protection
from unauthorized charges if your card is
lost or stolen
No Annual Fee††
using the Harbor Freight Credit Card
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NO INTEREST. EVER.
No interest is charged on your Harbor Freight promotional purchase amount 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. Late fees charged for not making a monthly payment by the due date will be assessed interest, which the cardholder will be required to pay.
How do I apply for the Harbor Freight Credit Card?
Apply Online or at a Harbor Freight store near you.
Can I use the Harbor Freight Credit Card to make purchases at HarborFreight.com?
Yes, the Harbor Freight Credit Card can be used to make purchases at HarborFreight.com.
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 on your late fee.
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 certificates for every 500 points earned. See the Rewards Program Terms for full details.
How do I receive my Harbor Freight Money?
Each time you earn Harbor Freight Money, you will be issued a reward certificate that will be included in your monthly statement.
Simply bring your Harbor Freight Money reward certificate with you on your next trip to any Harbor Freight store.
Harbor Freight Money cannot be used Online at this time.
How do I use my Harbor Freight Money?
Simply bring your Harbor Freight certificate with you on your next trip and present it at the time of purchase.
Your Harbor Freight Money can also be combined with all other coupons and discounts.
See Rewards Program Terms for full details.
Harbor Freight Money cannot be used Online at this time.
Can I use my Harbor Freight Money towards all merchandise?
Yes, except for Harbor Freight Tools gift cards or gift certificates.
When does my Harbor Freight Money expire?
Harbor Freight Money is good for 90 days from the date issued. The expiration date is printed on each certificate.
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
* To qualify for this offer you must apply and be approved for a new Harbor Freight Tools Credit Card. One-time 10% off (excludes shipping and handling) 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.
** 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.
† Qualifying purchase amount must be on a single receipt. Harbor Freight has already paid the interest on this purchase in advance. 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 (including taxes and delivery) divided by the number of months in the equal pay period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this was not an equal pay purchase. Any monthly payments shown in an advertisement in connection with this promotional offer do not include taxes and delivery since those amounts are not the same for every transaction. The equal pay monthly payment required should allow you to pay off the equal pay purchase within the equal pay period if (1) you make your payments by the due date each month and (2) this balance is the only balance on your account during the equal pay period. If you have other balances on your account, the equal pay monthly payment will be added to the minimum payment applicable to those balances. Late fees charged for not making a monthly payment by the due date will be assessed interest. Regular account terms apply to non-equal pay purchases.
†,†† For new accounts: As of 2/1/2021 Variable Purchase APR is 25.99%. 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.