Which retailers offer net 30?
Big-name stores get listed as “net 30 vendors” all the time. Some offer real invoice terms; many only offer a store credit card; a few offer nothing. Here is what each company’s own pages say.
Store by store
| Retailer | Net 30? | Program |
|---|---|---|
| 84 Lumber | Commercial credit accounts exist; terms not published | 84 Lumber Commercial Credit Account |
| Ace Hardware | Yes: 30 days per invoice; requires 24 months in business | Ace for Business Trade Credit (powered by TreviPay) |
| Amazon | Net 30, by invitation after Amazon reviews your account | Amazon Business Credit Account (Pay by Invoice) |
| Apple | No, not in the US: leasing only | Apple Business Financing (leasing via AFS Commercial Credit) |
| B&H Photo | Net terms for businesses 2+ years old; days not published | B&H Business Line of Credit (Corporate Account Program) |
| Best Buy | Yes: net 30, extended by TreviPay | Best Buy Business Advantage Account (net terms by TreviPay) |
| CDW | Net 30 for qualified businesses | Net 30 terms |
| Costco | No — a card or financing, not net terms | Costco Anywhere Visa Business Card by Citi |
| Dell | No — a card or financing, not net terms | Dell Payment Solutions (Dell Pay Pro and installment financing via Dell Financial Services) |
| FedEx | Not net 30: invoices are due in 15 days | FedEx shipping account (invoiced billing) |
| Ferguson | Not net 30: due by the 10th of the following month | Ferguson Business Credit (also Facilities Supply credit) |
| Global Industrial | Net 30, mainly for firms with a D&B rating | — |
| Harbor Freight | Not net 30: net 60, in stores and by phone only | Harbor Freight Commercial Account (issued and managed by TreviPay) |
| HP | Purchase-order terms exist; no term length published | HP Store business purchase orders / HP Business Financing |
| Lowe's | Pay in full each billing cycle; optional net terms on approval | Lowe's Commercial Account Credit Card (Synchrony) |
| MSC Industrial | Net 30 by credit application | Net-30 account (open terms) |
| Newegg Business | Net 30 for qualifying businesses | NeweggBusiness Net 30 Terms |
| Northern Tool | Net 30 via TreviPay; requires existing trade credit | Northern Tool Commercial Account (powered by TreviPay) |
| Restaurant Depot | No | — |
| Sam's Club | No — a card or financing, not net terms | Sam's Club Business Mastercard / Sam's Club Business Credit Card (Synchrony) |
| Sherwin-Williams | Credit at its discretion; no day count published | Sherwin-Williams credit account / PRO+ 0% Interest Credit |
| Staples | Invoicing for qualified Staples Advantage customers only | Staples Advantage invoicing |
| Sysco | Credit terms by application; days not published | Sysco customer credit application (account credit terms) |
| The Home Depot | Not net 30: 60 days to pay (2% off if paid within 20 days) | The Home Depot Commercial Account (Citi Retail Services) |
| Tractor Supply | No — a card or financing, not net terms | TSC Business Credit Card (issued by Citi) |
| UPS | Invoiced; payment terms set per account | UPS shipping account (invoiced billing via UPS Billing Center) |
| US Foods | Invoiced accounts; terms set in each customer's agreement | US Foods customer account (credit application) |
| Walmart | Net 30, but invite-only for now | Walmart Business Pay By Invoice, powered by TreviPay |
| WebstaurantStore | No — a card or financing, not net terms | Credit Key (Pay Over Time) financing at checkout |
| Zoro | Yes: net 30, at Zoro's discretion | Zoro Net 30 |
Credit-builder vendors, verified separately
Looking specifically for net-30 accounts that report to business credit bureaus? Those are in our dated net-30 vendor directory, with what each one reports and how we know. Detailed pages:
Store card vs net 30: why the difference matters
Net 30 is trade credit: the supplier invoices you and you pay the whole invoice within 30 days, with no interest. A store credit card is a revolving loan from a bank with the store’s name on it — it charges interest if you carry a balance, and its reporting is decided by the bank, not the store.
Neither builds business credit unless someone actually reports it to a business bureau. Most big retailers don’t publish whether they do.
Last reviewed October 16, 2026 from each company’s own pages (listed on every retailer page).
Want net 30 that reports to Experian Business?
Peak Discounters is a business supply store that reports your account to Experian Business. $49 a year, refunded in full if we don’t approve you, and credited back once your orders total $250. It renews automatically each year at the then-current annual fee unless you cancel before the renewal date. We don’t report to D&B or Equifax — and we say so.
Apply for a Net-30 AccountApproval is subject to business verification. See what we can’t promise.