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
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?
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)
* 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.
Harbor Credit Card login portal is run and managed by Synchrony Bank. Using this portal you can easily manage your credit card activities. Use this article to easily access your online account, pay bills, etc.
Harbor Freight Tools operates a chain of retails outlets all over the U.S. The company offers tools and equipment related to housing improvement at a discounted price. The company also has a mail-order and e-commerce business. It was founded by Eric Smidt in 1977. The company operates around 1000 stores in America. They have stores in Charlottesville, West palm beach, and the latest was opened in Louisville, Kentucky in 2019. They are also planning to open a Harbor Freight new tools store in Middlefield
Harbor Freight Credit Card Login
Step 1: Go to the Harbor Freight portal. The URL for the website is www.harborfreight.com.
Step 2: Once on the portal scroll down the page. At the bottom of the page, there is a link saying “Manage Credit card” located on the bottom left side under Customer Service. Click on it.
Step 3: You will be redirected to the Harbor Freight Credit Card Login portal. Do not get confused by the URL as your Harbor Credit card is issued and managed by Synchrony Bank.
Step 4: Now add your User ID in the first box, and remember your User ID is case sensitive so be careful typing and check whether Caps Lock is On/Off.
Step 5: Add the password in the second box and check the “Remember User ID” option. However, it is advised that you only check the Remember User ID option when using a personal system/device.
Step 6: Click on the “Secure Login” Button.
Benefits Of Online Account
- You can review all your current and past transaction details.
- Check all the rewards earned by the users.
- You can enroll in a paperless statement for quick and easy access to all of your statements.
- You can also set unauthorized transaction alerts.
How To Retrieve Forgotten User ID and Password
Follow the steps given below in order to recover user ID or reset the password.
Step 1: Follow up to step 3 of the Harbor Freight Credit Card Login given above.
Step 2: Click on the “Find User ID” link placed below the “Secure Login” button. For Password jump to step 5.
Step 3: Enter your Credit Card number and Zip Code in the space provided.
Step 4: Click on the “Find User ID’ link below the Zip Code box. Follow the remaining on-screen instructions to recover your User ID.
Step 5: Click on the “ Reset Password” link below the “Secure Login” button.
Step 6: Add Your User ID and Zip code in their respective boxes and click on the “Continue” button.
Step 7: Complete the remaining process as instructed and create a new password when prompted.
Step 8: Re-login to verify your new login credential.
Harbor Freight Credit Card Bill Payment
There are four ways to clear your Harbor Freight Credit Card Bill.
- Online – Log in to your credit card online account and go to the payment section to pay your current bill.
- Using Phone – Keep your credit card and bank account details handy and call 855.341.3108 to pay your bill. A nominal fee may be charged for getting the assistance of an Agent on call.
- Via Mail – Mail your check/money order using the below address. Keep in mind that processing your payment through this route may take some time so post your payment well in advance and also include your credit card account number in the check/money order.
Harbor Freight Tools Credit Card
PO Box 960012
Orlando, FL 32896-0012
- Through Store – If you are planning to make a visit to any of the Harbor Freight stores any time soon, just reach out to the customer service help desk and they will guide you through the payment process
Harbor Freight Store Near You
To find a Harbor Freight store near you first go to the Harbor Freight website. On the top, you will find a link saying “Find Your Local Harbor Freight Store” Click on it or alternately copy & paste “www.shop.harborfreight.com/storelocator/location/map” and hit enter. Enter your zip code to locate a store nearest to you
Register For Harbor Credit Card Online Account
You have to register for an online account before you can enjoy all the services related to your credit card online. Follow the below-given steps to quickly register for an account.
Step 1: Go to the Harbor Credit Card login portal.
Step 2: Find and click on the “Register” button.
Step 3: Fill the Reward Card number and Zip code in their respective box.
Step 4: Click on the “Continue” button below the box.
Step 5: Create a user ID and password by completing the remaining on-screen instructions.
How To Apply For Harbor Credit Card
You can only apply for a Harbor freight Card through select stores. To find the authorized Harbor Freight store near you follow the given below steps.
Step 1: Go to the Harbor Freight website using your browser. The URL for the portal is “www.harborfreight.com”.
Step 2: Now scroll down the page all to the bottom.
Step 3: There you will find a link saying “Harbor Freight Credit Card” under the section “Helpful Links”. Click on it.
Step 4: On the right side of the screen there is a link saying “SEE BELOW FOR A LIST OF AVAILABLE STORES” highlighted in blue click on it.
Step 5: Page will automatically scroll down a bit. There you will find another link saying “See a List of Stores” use it to find the nearest Harbor stores to apply for the credit card.
How To Activate Your Harbor Credit Card
To activate your Harbor Freight Credit Card follow the steps given below.
Step 1: Go to the Harbor Freight credit card login portal.
Step 2: There is a link placed on the top right side of the page saying “Chat for Login or Registration Help”, click on it.
Step 3: A virtual assistant chatbot then pops up on your screen.
Step 4: Type “Card Activation” in the chatbox and click the “Send” button.
Step 5: Click on the “Start: Card Activation” link that appears in the chat widget.
Step 6: Follow all the remaining instructions given by the chatbot to complete the credit card activation process.
Harbor Freight Credit Card Customer Service
Harbor Freight Tolls Credit Card 1.855.341.3108
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US-based equipment retailer Harbor Freight Tools (HFT) has partnered with Synchrony Financial to roll out its own credit card.
The Harbor Freight credit card offers rewards and value on a wide range of tools and equipment in the company’s more than 1,085 stores across the US.
Cardholders will get 10% off on their first purchase upon signing up, and 5% cashback on future purchases in Harbor Freight Money in-stores.
They can also avail interest-free equal monthly instalment payments on purchases of $299 or more.
HFT customers can apply for the card in-stores with online applications expected to be available later this year.
Harbor Freight Tools founder and CEO Eric Smidt said: “Working with Synchrony, we have created a card that puts our customers first.
“For over 40 years, our goal has been to provide hard-working Americans with the quality tools they need at a great value, and our Harbor Freight credit card is one of the most valuable tools we have ever offered.”
HFT employs over 20,000 people and has more than 40 million customers nationwide.
Synchrony president and CEO of retail card Tom Quindlen said: “The Harbor Freight card provides customers with greater payment flexibility, along with enhanced benefits and value to their loyal customers.
“We look forward to partnering with Harbor Freight by providing a successful consumer financing program with excellent customer experience for their cardholders.”
Synchrony Financial is a consumer financial services company based in Connecticut, US. It is one of the largest issuers of private label credit cards in the country.
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