Manage your Harbor Freight Card online

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Exclusive Cardmember Benefits

Earn unlimited rewards with 5% back in Harbor Freight Money² every time you shop

No. Interest. Ever. 0% interest on your purchase amount of $299 or more with equal monthly payments³

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Frequently Asked Questions

Have questions? We have answers.

: Apply Online or at a Harbor Freight store near you.

: 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.

: 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.

: Harbor Freight Money is good for 90 days from the date issued. The expiration date is printed on each certificate.

: Yes, the Harbor Freight Credit Card can be used to make purchases at HarborFreight.com.

: 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.

: Yes, except for Harbor Freight Tools gift cards or gift certificates.

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

Credit 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 do not earn reward points. We reserve the right to discontinue or alter the terms of these offers at any time.

²Earn 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.

³Qualifying 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. If you do not make a monthly payment on time, a late fee may be charged to your account balance. Regular account terms, including the assessment of interest, will apply to late fees, any other fees and any non-promo purchases charged to your account and you will be required to pay those charges.