Harbor Freight Credit Card Login, Pay, Financing, Apply

How to Login to your Harbor Freight Tools Credit Card account and pay your bill online? How to apply for a new credit card? What are the financing options available for customers? How to register a new account and activate your card? Check all the latest updates related to the Harbor Freight Credit Card in this article.

Harbor Freight Tools Credit Card

Harbor Freight sells daily use personal and professional tools through its e-commerce website and stores. It was launched in 1977 by Eric Smidt and currently has 1300+ stores across the United States. It is best known for the quality tools it offers at an affordable price.

Harbor Freight also offers a Credit Card to its customers in partnership with Synchrony Bank. Customers get extra discounts, rewards, and special financing solutions on all credit card purchases at Harbor Freight.

Salient features:

  • Get 5 reward points on every $1 spent through a credit card.
  • Get $5 Harbor Freight Money on every 500 reward points.
  • Harbor Freight Money Certificates will have a validity of 90 days.
  • Customers can redeem their certificates by visiting the nearest store. Harbor Freight Money certificates can not be redeemed online.
  • New Harbor Freight Tools Credit Card holders will get a one-time 10% off.
  • Cardholders can use their reward certificates along with other coupons and discounts.
  • There is no annual fee and cardholders will also get protection for unauthorized transactions.

Special financing:

Customers will have the option to use the special financing for a 6 and 12, and 36 months duration on a minimum spend as mentioned below. No interest will be charged during the financing duration if all amount is paid in full every month.

Note: A late fee will be charged along with the interest on the late fee on a 26.24% APR if no payment is made in any month.

PlanMinimum spendInterest
6 Months$299 – $498No interest if all amount paid in full
12 Months$499 – $1798No interest if all amount paid in full
36 Months$1799 and moreNo interest if all amount paid in full

Fee & charges:

Fee typeRate and charges
APR for Purchases26.24%
Penalty APRNone
APR for Cash AdvancesN/A
APR for Balance TransferN/A
Minimum Interest Charge$2.00
Annual FeeNone
Balance transfer feeN/A
Cash Advance feeN/A
Foreign Transaction FeeN/A
Late Payment penaltyUp to $38


  • No Visa or Mastercard benefits.
  • It’s a store card and can not be used outside Harbor Freight Tools.

Harbor Freight Credit Card login

All credit card customers can manage their accounts by logging into the official Synchrony website. There are some prerequisites that need to be followed in order to access your account.

Login requirements:

  • Keep ready with your account user ID and password. If you haven’t registered yet, Sign-up and create a new user ID and password.
  • Get a direct link to your login URL.

Login process:

Step 1: Visit the official Harbor Freight Synchrony website.

Step 2: On this page, you will find a login form (as shown below).

Harbor Freight credit card login page

Step 3: Enter your User ID and Password and hit the Secure Login button to access your account.

How to retrieve your lost username and password?

Account recovery options are available on the Login form. Click the Forgot User ID link to recover your user ID and click the Forgot Password link to reset your password with the help of the on-screen instructions.

How to register and create an online account?

All customers can register a new Harbor Freight Synchrony account online to get access to the below-mentioned exclusive services

  • Pay your credit card bill online.
  • Set up an automatic payment facility.
  • Manage online alerts through the online account.
  • Get account information such as transaction information, balance, history, etc.
  • Enroll in the paperless statement facility digital communication.
  • You can also add an authorized user.

Registration process:

Step 1: Visit the Synchrony Harbor Freight account page.

Step 2: On the login form, click the Register link. On the next page, enter your account number and ZIP code and click the Continue button.

Step 3: Your account will be verified and you will be redirected to a registration page after the verification.

Step 4: Now you can fill out the registration form and create your User ID and Password.

Harbor Freight credit card activation process

Once you receive your new credit card you can activate it by calling the customer service number written on the back of the credit card.

Harbor Freight Credit Card online application?

All customers can apply through the link available on the official website. It is advised to check if you are pre-qualify for the Harbor Freight Tools Credit Card. If you pass the pre-qualify criteria, your chances of final approval will be very higher.

First, check if you are pre-qualify and after that submit a full online application.

i-Check if you are pre-qualify:

  • Visit the credit card page on the official website.
  • You will find a See If You Prequalify link on this page.
  • Click this link to open the online form.
  • Enter your Social Security Number and Phone Number and click the Continue button.
  • If any mobile number is not available then click the I don’t have a mobile phone number link and fill out the online form and check if you are pre-qualify.
  • You will get your result within minutes.

ii-Fill out an online application form:

If you are already pre-qualified then you can submit an online application.

  • Visit the official website and click the Apply Now link.
  • You will see an online application form where you will have to fill out all five steps mentioned below.
  • Start the first step by entering your Mobile number and SSN and click the Continue button to proceed with the next step.
  • Complete all steps and submit your application.

After submitting the application, it will be verified by Synchrony Bank and you will get your new credit card after the necessary approval.

Harbor Freight Credit Card Payment

There are multiple payment methods available to pay the credit card bill. Please check more details below.

i-Online payment:

Login to your account and pay your credit card bill easily. You can add a checking account to debit the required payment. A payment scheduling facility is also available. Customers can also set up an automatic payment service. After enrolling in the autopay facility, the required payment will get debited every month from your payment account.

ii-Mail a payment:

All customers can send a check or money order at the Synchrony payment address. The mailing address is written on your statement which you will receive through Mail or in a digital form if you have enrolled in the paperless communication.

iii-Phone payment:

Phone payment is also a very easy process. Just call the customer service number and use the options available through the automatic dialer machine. Keep ready your checking account number and routing number for making a payment. For faster phone payment processing on the same day, customers may speak with a live agent to get help by paying a required fee for every transaction.

iv-Pay as guest:

It is a new payment service introduced by Synchrony Bank. Customers can use the Pay As Guest service to pay credit card bills without login into their account. Just enter your account details and make a payment.

Customer Service

If you have any questions or queries related to the Harbor Freight Tools Credit Card Rewards Program, Harbor Freight Money, or your reward points balance, you may call Synchrony Bank customer service phone number 1-855-341-3108.

Mail Inquiries:

P.O. Box 965022, Orlando, FL 32896-5022.

Important links:

Official websitehttps://www.harborfreight.com/
Harbor Freight Synchrony account linkhttps://harborfreight.syf.com/
New account registration pagehttps://harborfreight.syf.com/accounts/login/register


Name of Credit CardHarbor Freight Credit Card
Issued bySynchrony Bank
Serviced bySynchrony Bank
Credit card network providerNone
BeneficiaryAll eligible Harbor Freight customers
Official websitewww.harborfreight.com


What if my card is stolen?

If you have lost your credit card or it has been stolen then you must inform the customer service team immediately by calling 1-855-341-3108 phone number. You will not be liable for any unauthorized transaction.

How can I close my account?

Customers can easily close their credit card account by calling the customer service number or by writing them through Mail. Please note that you will have to clear all outstanding on your credit card if there are any.

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