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Last Updated: 07/28/2025

Harbor Freight Credit Card

from Harbor Freight

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

Purchase APR (Variable APR)

29.99%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

N/A(Verified 04/01/2023)

Credit Score Range

N/A

Annual Fee

N/A

Harbor Freight Credit Card Review

This is a store card issued by Harbor Freight. If you're wondering whether Harbor Freight Credit Card is the right card for you, read on.

Key Takeaways

0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.99%

Pros & Cons of Harbor Freight Credit Card

The Good

The Bad

0% APR on new purchases during the first 6 months. There is then a variable purchase APR of 29.99%.

Higher than average purchase APRs.
N/A
Does not offer a signup bonus.
Does not offer rewards or cash back.
You don't earn rewards on every purchase.
Does not report to credit bureaus.

Harbor Freight Credit Card FAQ

Does Harbor Freight Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

Harbor Freight Credit Card Rewards Breakdown

Description

How do people rate the customer service and user experience of Harbor Freight Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Harbor Freight perform a hard credit pull?

Yes, Harbor Freight Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Harbor Freight Credit Card

Visit the website of Harbor Freight Credit Card.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

26677 Agoura Rd

Calabasas, CA 91302

(800) 444-3353

Visit Site

Email Support

Hours of Operation

Sunday

6:00AM - 6:00PM

Monday

6:00AM - 6:00PM

Tuesday

6:00AM - 6:00PM

Wednesday

6:00AM - 6:00PM

Thursday

6:00AM - 6:00PM

Friday

6:00AM - 6:00PM

Saturday

6:00AM - 6:00PM

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.