Review: Northern Tool Credit Cards

Northern Tool and Equipment offers 2 different credit cards, a consumer card and a business/commercial card. Our overview / review of these cards is below:

The Northern Tool consumer credit card offers you the ability to buy on credit, plus it offers “6 months special terms financing on qualifying purchases.” This is usually deferred interest, which means you’ll get a 0% rate or other very low rate on large purchases as long as you pay it all back within 6 months. Oftentimes, though, if you don’t pay it off completely in that 6-month period, you’ll get charged interest dating back to Day 1, so check with Wells Fargo (who actually issues the card) for exact details. (And we should mention the card’s 28.99% interest rate!)

The Northern Tool consumer card also has a reward program that gives you one point per dollar spent with the card. For every 1500 points you earn, you get a $20 Northern Tool gift card to use on future purchases.

You can apply for the Northern Tool credit card online here or get an application in store.

The Northern Tool Net 30 Commercial Charge Card allows you to buy on credit but the full balance must be paid each month — you can not revolve your debt. This card is mainly meant to help business customers with cash flow and record-keeping.

The Net 30 card is offered by Blue Tarp Financial. You can apply online here or get an application in a Northern Tool store.