Harbor Freight Tools Credit Card
Basic Information
Program ID: harbor-freight-tools-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:10
Last Scraped: 01/15/2026 12:12
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 0 days
Bonus Timing: Discount is applied immediately at checkout on the first purchase made with the Harbor Freight Tools Credit Card.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Harbor Freight Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 640 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Harbor Freight Tools Credit Card, issued by Synchrony, will continue to be a store-specific credit card usable exclusively at Harbor Freight Tools stores and harborfreight.com. **Eligibility Requirements:** Applicants must be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Synchrony typically considers a range of credit scores for store cards, often including fair to good credit. **Bonus Rules:** New cardholders are likely to receive an immediate discount on their first purchase (e.g., 10% off) or special deferred financing offers (e.g., 0% APR for 6, 12, 18, or 24 months on qualifying purchases over a specified minimum amount). These offers are generally mutually exclusive. **Application Rules:** Applications can be submitted online or in-store, often resulting in an instant credit decision. The card is a closed-loop product, meaning it cannot be used outside of Harbor Freight Tools.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: N/A for traditional bonus; promotional offers are tied to specific purchases or immediate first-purchase discounts.
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, missed or late payments on any Synchrony product, suspected fraudulent activity, excessive product returns (especially if linked to card purchases), opening too many Synchrony accounts in a short period, and significant negative changes to the cardholder's credit profile (e.g., bankruptcy).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.3 / 5.0
Top Positive Feedback:
Easy approval, good for financing large purchases, special discounts for frequent shoppers.
Top Negative Feedback:
High APR, poor customer service from Synchrony, issues with payment processing and account management.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Discover it® Secured Credit Card
- Lowe's Advantage Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $85.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023