THE CARDTUNED DATABASE
Harbor Freight Credit Card
Issuer: Synchrony
5 points per $1 on eligible net purchases, issued as $5 in Harbor Freight Money for every 500 points
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/store account
- Intro APR
- 0% interest with equal monthly payments on qualifying single-receipt purchases of $299 or more
- Regular APR
- 30.99% variable purchase APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
10% off the first purchase after opening and using a new account
- Spending requirement
- First purchase
- Time window
- First purchase after approval
Offer last checked: 2026-09-09
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5 points | per $1 on eligible net purchases, issued as $5 in Harbor Freight Money for every 500 points |
Additional benefits
• $5 Harbor Freight Money for every 500 points
• Online account management
Restrictions to know
The 10% first-purchase discount and equal-payment financing cannot be combined. Equal-payment purchases and the discounted first transaction do not earn points. The financing purchase must be at least $299 on one receipt; shipping charges are excluded from the discount.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff