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  Tractor Supply Company Credit Card
Tractor Supply Company Credit Card
in Credit Cards from Citi®
Claimed

Tractor Supply Company Credit Card

Claimed
in Credit Cards from Citi®
SuperMoney Net Recommendation Score -64  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -64, equating to 1.7 on a 5 point rating scale.

-64

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

2 users recommend
1 user is unsure
11 users don't recommend
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Highlights
Community Rating Strongly not recommended
Purchase APR  (Variable APR) 25.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0
Number of Reviews 14

Tractor Supply Company Credit Card Review

This is a store card issued by Citi®. If you're wondering whether Tractor Supply credit card is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Tractor Supply credit card

The Good The Bad
  • No annual fee
  • Special financing options available
  • No annual fee.
  • Tractor Supply Company Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Tractor Supply credit card FAQ

Does Tractor Supply credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Tractor Supply credit card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Tractor Supply credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Tractor Supply Company Credit Card has a variable purchase APR of 25.99%.

Does Tractor Supply credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Tractor Supply credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Tractor Supply credit card?

The following fees apply:

Tractor Supply credit card Fees
Fees Amount
Annual Fee $0
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for Tractor Supply credit card?

The Tractor Supply credit card customer service number is (800) 950-5114.

What is the support contact email for Tractor Supply credit card?

The support contact email for Tractor Supply credit card is customer.help@citi.com.

What is the Tractor Supply credit card login page?

You can access the Tractor Supply credit card login page here.

How do people rate the customer service and user experience of Tractor Supply credit card?

Overall, Tractor Supply credit card is strongly not recommended based on community reviews that rate customer service and user experience.

Does Tractor Supply Company Credit Card report your account activity to credit bureaus?

Yes, Tractor Supply Company Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Tractor Supply credit card

  • Visit the Tractor Supply credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Tractor Supply credit card

Citi works tirelessly to provide consumers, corporations, governments and institutions with a broad range of financial services and products. We strive to create the best outcomes for our clients and customers with financial ingenuity that leads to solutions that are simple, creative and responsible.

We strive to earn and maintain the public's trust by constantly adhering to the highest ethical standards. We ask our colleagues to ensure that their decisions pass three tests: they are in our clients' interests, create economic value, and are always systemically responsible. When we do these things well, we make a positive financial and social impact in the communities we serve and show what a global bank can do.

Tractor Supply Company, the largest rural lifestyle retailer in the United States, has been passionate about serving its unique niche, targeting the needs of recreational farmers, ranchers and all those who enjoy living the rural lifestyle, for more than 80 years.

Tractor Supply offers an extensive mix of products necessary to care for home, land, pets and animals with a focus on product localization, exclusive brands and legendary customer service for the Out Here lifestyle. With more than 42,000 Team Members, the Company's physical store assets, combined with its digital capabilities, offer customers the convenience of purchasing products they need anytime, anywhere and any way they choose at the everyday low prices they deserve.

Message From Our Editor

What we love about Tractor Supply Company Credit Card

The Tractor Supply Company Credit Card provides customers with 5% back in rewards for purchases made at Tractor Supply Co. It also provides financing options as low as 0% interest on purchases of $199 or more if paid within the introductory period. There are also low-interest options if you need longer to repay your purchases. 

What could Tractor Supply Company Credit Card do better?

The 5% back is a nice perk, but it only applies to in-store and online Tractor Supply purchases. The financing option is another useful feature,  but beware of the high APR you will be charged if you are late on a payment or need more time to repay your credit card debt. This card works on the deferred interest financing model. In other words, if the balance is not paid in full by the end of the promotional period, interest charges will be imposed from the purchase date at the variable purchase rate on your account. Yes, you will have to pay the interest for the entire purchase if you don't repay it within the intro offer.

Tractor Supply Company Credit Card backstory

The Tractor Supply Company is the largest rural lifestyle retailer in the United States and has been in business for over 80 years. It employs more than 40,000 employees and operates a website and over 1,900 stores in 49 states. The Tractor Supply Company Credit Card is issued by Citigroup, which offers a personal and business credit card version of the card. 

The Verdict

If you are a frequent shopper at Tractor Supply, the credit card may help you save money in certain situations. But if you are looking for a credit card with a robust cash-back or rewards program, there are better options available from other credit card issuers.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 3:00pm

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Minimum Interest Charge $2
No Interest Grace Period for Late Payment 25 days
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type Cash Back
APR Type Variable APR
Balance Computation daily balance (including current transactions)
Purchase APR (Variable APR) 25.99%
Card Type
  • Store Card
Card Network Other

Tractor Supply Company Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -64, equating to 1.7 on a 5 point rating scale.

-64

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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