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Last Updated: 07/28/2025

Tractor Supply Company Credit Card

in Credit Cards from Citi®

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Tractor Supply Company Credit Card logo
Strongly not recommended14 total votes
2 users recommend
1 users are unsure
11 users don't recommend
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Highlights

Community Rating

Strongly not recommended

Purchase APR (Variable APR)

25.99%(Verified 06/21/2024)
Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

650 - 850

Annual Fee

$0

Number of Reviews

14

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Tractor Supply Company Credit Card Review

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

Key Takeaways

  • APR: This is not a great card for people who carry a balance. It has a variable regular 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 you have a fair credit score or better.

Pros & Cons of Tractor Supply credit card

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.
  • 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.
Tractor Supply Company Credit Card has a variable purchase APR of 25.99%. Tractor Supply Company Credit Card does not offer balance transfers.

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. Tractor Supply Company Credit Card does not offer 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?

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 customer service number for Tractor Supply credit card 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 login page for Tractor Supply credit card?

You can access the login page of Tractor Supply credit card 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 to the following credit bureaus:
  • 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 build your credit.

Does Citi® perform a hard credit pull?

Yes, Tractor Supply credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Tractor Supply credit card

  • Visit the website of Tractor Supply credit card.
  • 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.

Tractor Supply Company Credit Card logo

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.

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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

Headquarters

388 Greenwich Street
New York, NY 10013
Visit Site

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

Other Services by Citi®