USES

Harbor Freight from Synchrony Bank Review

Harbor Freight from Synchrony Bank ā€” all information about the credit card.

Updated November 11, 2022
Advertiser Disclosure Our Methodology
Synchrony Bank Harbor Freight
Apply now
Our Rating:
3.24 out of 5
scorer
Recommended credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 5x Points for each $1 spent at Harbor Freight.
  • Intro Offer:
    • 10% Off your entire first purchase when you open an account and use your card.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Intro APR for 6 - 36 months
  • Regular APR:
    29.99% Variable
  • Balance Transfer APR:
    None
Show more

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Synchrony Bank Harbor Freight Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5X
Harbor Freight
$
Have you already recieved the Synchrony Bank intro bonus?
How would you like to redeem points?
Calculate
Your Results
Total yearly earnings
First year rewards
$60
Rest years rewards
$60
Annual fee
$0
Yes, Synchrony Bank Harbor Freight credit card is worth its annual fee!
How to maximize your Synchrony Bank Harbor Freight rewards?

Follow these simple steps to make the most of Synchrony Bank Harbor Freight credit card:

  • Spend more on Harbor Freight
  • Redeem most of your points for Purchases in Harbor Freight
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Synchrony Bank Harbor Freight.

Your net profit in the first year
$60.1
cup of coffee x22
Your net profit in subsequent years
$60
cup of coffee x22
Show less details
You will receive 6,010 points in the first year (equivalent to $60)
Where you get the most profit
  • Harbor Freight
  • Into bonus
Harbor Freight
$60
Into bonus
$0.1
Total
$60
Annual fee
$0
Net yearly credit card profit
$60.1
You will receive 6,000 points in the rest years (equivalent to $60)
Where you get the most profit
  • Harbor Freight
Harbor Freight
$60
Total
$60
Annual fee
$0
Net yearly credit card profit
$60

All benefits

  • Points
    • 5x At Harbor Freight.

Rate and fee information

  • Purchase Intro APR
    • 0% Intro APR for 6 - 36 months
  • Purchase APR
    • 29.99% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • None

Fees

  • Annual Fee
    • $0
  • Late Payment
    • $41
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • High APR
  • Balance transfers and cash advances are not available

Features

Classic
  • 0% Intro APR
  • No Annual Fee
  • Fraud Protection
  • Rewards
  • Bonus points
  • Fair Credit
  • Good Credit
  • Excellent Credit

About the issuer

Synchrony Bank
Synchrony Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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