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
   
   Citi Custom Cashif it’s your top category

   Citi

   5% on home improvement if it's your top eligible spend category that cycle (up to $500/month, then 1%)

   Automatically on your top eligible spend category each billing cycle
   5%
2. #2
   
   Discover it Cash Backthis quarter

   Discover

   5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.

   Activation required each quarter
   5%
3. #3
   
   Discover it for Studentsthis quarter

   Discover

   5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.

   Activation required each quarter
   5%
4. #4
   
   NHL Discover itthis quarter

   Discover

   5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.

   Activation required each quarter
   5%
5. #5
   
   Wells Fargo Choice Privileges Select Mastercard

   Wells Fargo

   5x points on home improvement
   5.0%5x points
6. #6
   
   Blue Cash EverydayOnline only

   American Express

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

   U.S. online retail purchases
   3%
7. #7
   
   Wells Fargo Choice Privileges Mastercard

   Wells Fargo

   3x points on home improvement
   3.0%3x points
8. #8
   
   Hilton Honors American Express SurpassOnline only

   American Express

   4x points on online shopping

   U.S. online retail purchases
   2.0%4x points
9. #9
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
10. #10
    
    Blue Business Cash from American Express

    American Express

    2% flat-rate cashback
    2%
11. #11
    
    Citi Double Cash

    Citi

    2% flat-rate cashback

    1% when you buy, 1% when you pay
    2%
12. #12
    
    Coinbase One

    First Electronic Bank

    2% flat-rate cashback

    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
13. #13
    
    Fidelity Rewards Visa Signature

    Elan Financial Services

    2% flat-rate cashback

    When deposited into an eligible Fidelity account
    2%
14. #14
    
    Graphite Business Cash Unlimited

    American Express

    2% flat-rate cashback

    Unlimited 2% cash back on eligible purchases
    2%
15. #15
    
    Smartly Visa Signature

    U.S. Bank

    2% flat-rate cashback
    2%
16. #16
    
    Wells Fargo Active Cash

    Wells Fargo

    2% flat-rate cashback
    2%
17. #17
    
    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 May 17, 2026