The Northern Tool + Equipment is a personal credit card from Northern Tool + Equipment. The annual fee is $0. The ongoing APR is 26.24% after a 0% introductory rate for 6 months. Rewards: 3% back at Northern Tool, 2% back on Gas & Groceries, 1% back on Other Purchases. Cash back: 3% back at Northern Tool, 2% back on Gas & Groceries, 1% back on Other Purchases. Store credit card for Northern Tool + Equipment purchases.