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17 cards ranked

Best credit card to use at Harbor Freight Tools.

Home ImprovementOnline Shopping

Harbor Freight Tools is a discount tool retailer with over 1,500 U.S. stores selling hand tools, power tools, generators, and shop equipment under house brands such as Bauer, Hercules, and Icon. Most card networks code Harbor Freight as a home improvement merchant, which means cards with a home improvement bonus like the Wells Fargo Bilt can earn elevated rewards on purchases.

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
    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
    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
    5x points on home improvement
    5.0%5x points
  6. #6
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  7. #7
    Wells Fargo
    3x points on home improvement
    3.0%3x points
  8. #8
    American Express
    4x points on online shopping
    U.S. online retail purchases
    2.0%4x points
  9. #9
    Robinhood
    3% flat-rate cashback
    3%
  10. #10
    American Express
    2% flat-rate cashback
    2%
  11. #11
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  12. #12
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  13. #13
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  14. #14
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  15. #15
    U.S. Bank
    2% flat-rate cashback
    2%
  16. #16
    Wells Fargo
    2% flat-rate cashback
    2%
  17. #17
    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