- Home
- Credit Center
- Harbor Freight Credit Card
THE CARD THAT
WORKS HARD
Harbor Freight Credit Card - Apply In-Store or Online
Up to 36 Months 0% INTEREST on your purchase amount of $299 or more with equal monthly payments.3 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
Already have an account? Pay & Manage Card
Exclusive Cardmember Benefits
Advantages of Being a Cardmember
Combine Your Discounts
NO EXCLUSIONS!
COMBINE with other
discounts
and coupons
Zero Fraud Liability
If your card is lost or stolen, you are not responsible for unauthorized charges
Exclusive
Cardmember Offers
Bonus Rewards and
promotions throughout
the year
No Annual or
Hidden Fees4
with the Harbor
Freight Credit Card
Equal Pay Financing Offers
6
MONTHS On Purchase Amounts of $299-$498
12
MONTHS On Purchase Amounts of $499-$798
24
MONTHS On Purchase Amounts of $799-$1798
36
MONTHS On Purchase Amounts of $1799 & Up
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.
Already have an account? Pay & Manage Card
Frequently Asked Questions
Disclosures
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.
