Harbor Freight Tools

Harbor Freight Tools Credit Card

THE CARD THAT

WORKS HARD

Harbor Freight Credit Card - Apply In-Store or Online

The Card That Works Hard - Harbor Freight Credit Card - Apply In-Store or Online
Valid 12/29/23 - 4/28/24 |
24 Months 0% INTEREST on your purchase amount of $799-$1798.99 with equal monthly payments3 Details Below
Preview Your Credit Limit With NO IMPACT to Your Credit Score If prequalified, you can see your credit limit, accept the offer
and complete your application in just a few minutes

Exclusive Cardmember Benefits

On Your Purchase Amount of $299 or More with Equal Monthly Payments 3 Available Every Day INTEREST % 0 NO INTEREST. EVER. In Harbor Freight Money 2 Every Time You Shop % 5 BACK EARN UNLIMITED REWARDS Cannot be combined with other credit offers Your Entire First Purchase When You Open an Account % OFF 1 10 GET AN EXTRA SAVE MORE TODAY OR THEN
On Your Purchase Amount of $299 or More with Equal Monthly Payments 3 INTEREST % 0 NO INTEREST. EVER. In Harbor Freight Money 2 Every Time You Shop % 5 BACK EARN UNLIMITED REWARDS Cannot be combined with other credit offers Your Entire First Purchase When You Open an Account % OFF 10 1 GET AN EXTRA SAVE MORE TODAY THEN OR
On Your Purchase Amount of $299 or More with Equal Monthly Payments INTEREST % 0 NO INTEREST. EVER. In Harbor Freight Money 2 Every Time You Shop % 5 BACK EARN UNLIMITED REWARDS OR Cannot be combined with other credit offers Your Entire First Purchase When You Open an Account % OFF 10 * GET AN EXTRA SAVE MORE TODAY THEN

Advantages of Being a Cardmember

Combine Your Discounts NO EXCLUSIONS! Icon

Combine Your Discounts
NO EXCLUSIONS!

COMBINE with other
discounts
and coupons

Zero Fraud Liability Icon

Zero Fraud Liability

If your card is lost or stolen, you are not responsible for unauthorized charges

Exclusive Cardmember Offers Icon

Exclusive

Cardmember Offers

Bonus Rewards and
promotions throughout
the year

No Annual or Hidden Fees Icon

No Annual or

Hidden Fees4

with the Harbor
Freight Credit Card

Every Day Equal Pay Financing Offers

6
MONTHS On Purchase Amounts of $299-$498
12
MONTHS On Purchase Amounts of $499-$1798
36
MONTHS On Purchase Amounts of $1799 & Up

Limited Time Equal Pay Financing Offers

12
Valid 12/29/23 - 4/28/24
MONTHS On Purchase Amounts of $499-$798
24
Valid 12/29/23 - 4/28/24
MONTHS On Purchase Amounts of $799-$1798

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.

Frequently Asked Questions

Apply Online or at a Harbor Freight store near you.
Yes, the Harbor Freight Credit Card can be used to make purchases at HarborFreight.com.
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 Does Equal Pay Financing Work at Harbor Freight?
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.
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.
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.
Yes, except for Harbor Freight Tools gift cards or gift certificates.
Harbor Freight Money is good for 90 days from the date issued. The expiration date is printed on each certificate.
  • 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.

Disclosures

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 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.

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 (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. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Any estimated required 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.

3,4 For new accounts: As of 6/1/23 Variable Purchase APR is 29.99%. 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.