Best credit card to use at Harbor Freight Tools.

Picks without a tag earn at Harbor Freight Tools both in-store and online. Watch for theOnline onlytag — those bonuses only apply on harborfreight.com.

1. #1
   
   Wells Fargo Choice Privileges Select Mastercard

   Wells Fargo

   5x points on home improvement
   3.5%5x points
2. #2
   
   Blue Cash EverydayOnline only

   American Express

   3% on online shopping (up to $6,000/year, then 1%)

   U.S. online retail purchases
   3%
3. #3
   
   Wells Fargo Choice Privileges Mastercard

   Wells Fargo

   3x points on home improvement
   2.1%3x points
4. #4
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
5. #5
   
   Blue Business Cash from American Express

   American Express

   2% flat-rate cashback
   2%
6. #6
   
   Citi Double Cash

   Citi

   2% flat-rate cashback

   1% when you buy, 1% when you pay
   2%
7. #7
   
   Coinbase One

   First Electronic Bank

   2% flat-rate cashback

   Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
   2%
8. #8
   
   Fidelity Rewards Visa Signature

   Elan Financial Services

   2% flat-rate cashback

   When deposited into an eligible Fidelity account
   2%
9. #9
   
   Graphite Business Cash Unlimited

   American Express

   2% flat-rate cashback

   Unlimited 2% cash back on eligible purchases
   2%
10. #10
    
    Navy Federal cashRewards Plus

    Navy Federal

    2% flat-rate cashback

    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
11. #11
    
    PNC Cash Unlimited

    PNC

    2% flat-rate cashback
    2%
12. #12
    
    Smartly Visa Signature

    U.S. Bank

    2% flat-rate cashback
    2%
13. #13
    
    Wells Fargo Active Cash

    Wells Fargo

    2% flat-rate cashback
    2%
14. #14
    
    Wells Fargo Signify Business Cash

    Wells Fargo

    2% flat-rate cashback
    2%

The Harbor Freight Inside Track Club membership stacks deep coupon discounts with credit card rewards, and online orders through harborfreight.com may also qualify for rotating online shopping bonuses on Chase Freedom Flex and Discover it. Big generator and welder purchases are useful for signup bonus spend.

Last updated June 30, 2026