Credit Center
Harbor Freight Tools Credit Center
THE CARDS THAT
WORK HARD
Choose The Right Account For You
Consumer Credit Card
Combine your discount with other
Savings & Coupons
Or NO INTEREST. EVER.
On your 0% interest purchase amount of $299
or more with equal monthly payments3
Already have an account?
Pay & Manage Card
Commercial Account
Built For Your Business
- Payment by Invoice
- Net 30 Terms
- Itemized Transactions
- Online Payment and Account Management
- Authorized User and Credit Line Management
- Use Your Account at Any of Our 1500+ Stores or Order by Phone
Already have an account?
Pay & Manage Card
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. 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. 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.