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
   
   Bank of America Cash Rewards Securedif you select it

   Bank of America

   3% on home improvement if you select it as a bonus category (up to $2,500/quarter, then 1%)

   3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
   3%
3. #3
   
   Bank of America Customized Cash Rewardsif you select it

   Bank of America

   3% on home improvement if you select it as a bonus category (up to $2,500/quarter, then 1%)

   3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
   3%
4. #4
   
   Blue Cash EverydayOnline only

   American Express

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

   U.S. online retail purchases
   3%
5. #5
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
6. #6
   
   Wells Fargo Choice Privileges Mastercard

   Wells Fargo

   3x points on home improvement
   2.1%3x points
7. #7
   
   Hilton Honors American Express SurpassOnline only

   American Express

   4x points on online shopping

   Eligible U.S. online retail purchases
   2.0%4x points
8. #8
   
   Blue Business Cash from American Express

   American Express

   2% flat-rate cashback
   2%
9. #9
   
   Capital One Spark Cash Plus

   Capital One

   2% flat-rate cashback
   2%
10. #10
    
    Citi Double Cash

    Citi

    2% flat-rate cashback

    1% when you buy, 1% when you pay
    2%
11. #11
    
    Coinbase One

    First Electronic Bank

    2% flat-rate cashback

    Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
    2%
12. #12
    
    Fidelity Rewards Visa Signature

    Elan Financial Services

    2% flat-rate cashback

    When deposited into an eligible Fidelity account
    2%
13. #13
    
    Graphite Business Cash Unlimited

    American Express

    2% flat-rate cashback

    Unlimited 2% cash back on eligible purchases
    2%
14. #14
    
    Ink Business Premier

    Chase

    2% flat-rate cashback

    2.5% on purchases of $5,000 or more per transaction
    2%
15. #15
    
    Intuit Business

    WebBank

    2% flat-rate cashback
    2%
16. #16
    
    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%
17. #17
    
    PenFed Power Cash Rewards Visa Signature

    PenFed Credit Union

    2% flat-rate cashback

    2% with PenFed Honors Advantage (current or former military, or a PenFed Access America checking account); 1.5% otherwise
    2%
18. #18
    
    PNC Cash Unlimited

    PNC

    2% flat-rate cashback
    2%
19. #19
    
    Smartly Visa Signature

    U.S. Bank

    2% flat-rate cashback
    2%
20. #20
    
    TD Double Up

    TD Bank

    2% flat-rate cashback

    Earns 2 points per dollar; 1 point is worth 1 cent, with a 2,500 point minimum to redeem as a statement credit or a deposit to a TD checking or savings account
    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 August 10, 2026