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Last Updated: 07/28/2025

Tractor Supply Company Credit Card

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.

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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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

Headquarters

388 Greenwich Street
New York, NY 10013
Visit Site
Email Support

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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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -64, or 1.7 on a 5-point rating scale.

-64

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Tractor Supply Company Credit Card Community Reviews

Would you recommend Tractor Supply Company Credit Card to your friends?

RT

Robert T.

Jul 20, 2023

May or may not recommend

Being one day past payment due dateI get charged a late fee. Then I get harassing phone calls about it! I will never use Citi card tractor supply ever again and I would strongly encourage others to never use the card also!

Steve W. avatar image

Steve W.

May 29, 2023

May or may not recommend

No other Visa-branded credit card I know of will offer you free trailer rentals nor free delivery of heavy tractor implements. If you have good to great credit and these options are important to you, and if you pay off your balance every month, then it's a great choice. You will get the card for free and pay no interest and get these uniuque benefits. If you're looking to buy something ...Show More

AC

Angie C.

Jan 24, 2023

May or may not recommend

I was 2 days late making a payment because I was on vacation and completely forgot to pay it. My credit availability was cut from $2500 to $800 which maxed out my card. I paid it immediately plus the next month's payment. My credit score tanked 17 points because of this. I was charged late fees and thrown into a higher interest category. I phoned them to see if they ...Show More

KM

Kevin M.

Jun 9, 2022

May or may not recommend

I signed up in 2017 to purchase a ZTR mower, Citibank, had great credit and only received a $2k limit on a $4300 mower! Used the card to its max because I had a bonus to pay for the entire amount- both the remaining balance and payoff of the card… still was charged interest fees! To this day - literally today I cannot use my card because through the years ...Show More

BG

Buster G.

Mar 27, 2022

May or may not recommend

I pay my account in full each month, and I got the card for the 5% rewards. I had been using DiscoverCard, and only getting 1% rewards.

MB

Mary Beth B.

Feb 28, 2021

May or may not recommend

DONOT USE THIER CC CARD!!!!:bad experience, had the card aprx 6 months. I write the check the day the invoice arrives and put it back in the mail the next day..first 2 invoices, no problem 3rd invoice they claim they didnt recieve till 4 days after the due day. now understand the invoice arrives around the 21-25th of every month and is due on the 11th of the ...Show More

BN

Bruce N.

Nov 23, 2020

May or may not recommend

Tried to make a large purchase using in store approval. Was approved for the card but could not make purchase as the transaction was declined upon further fraud investigation saying they needed to verify identity by calling my telephone number which is my home phone that could not be answered because I was in the store 1 1/2 hour away from home. What identity did they use to open the ...Show More

JA

Josh A.

Oct 30, 2020

May or may not recommend

Horrible customer service and very slow response when you use,pay, or return items. There are much better cards to use out there!

MW

Mike W.

Jul 27, 2020

May or may not recommend

Have bought close to $5k from them the past 2 months and got card only for the 5% off. 1st large purchase, 5% went fine and paid it off. 2nd large purchase, took an act of congress to get 5%. Bounced between Tractor Supply and Citibank as to whose fault it was. Finally got a gift card for 5%. Last semi-large purchase, still don't know ...Show More

CS

Chris S.

Jun 9, 2020

May or may not recommend

They don’t give you enough of a credit limit to buy a zero turn easier to just go to a dealer

Richard B. avatar image

Richard B.

Apr 15, 2020

May or may not recommend

All ways paid card on time and they still canceled my card because my credit score went down

Mark R. avatar image

Mark R.

Feb 29, 2020

May or may not recommend

I got this card back in the fall because of all the silly reasons a TSC cap. Has become one very bad mistake. I can't get to talk with a person without going through an extreme amount of automation questions, the worst I've known, then I have got disconnected/hung up on almost every time until i didn't have time to get the issue straightened out.

RG

Robert G.

Oct 31, 2019

May or may not recommend

when I signed up for the card \, I was told I would get $50 Credit off my bill , that has not happened. I'm cancelling my card.

Amber L. avatar image

Amber L.

Sep 17, 2019

May or may not recommend

I was late 2 days in my payment because we had so much going on with just life and as soon as I realized it we immediately called and made the payment, not just the minimum either a couple of hundred dollars and for being just 2 days late the cut my credit limit but $900 and charged me a bunch of crap which put me over my current credit ...Show More

Showing 14 of 14 reviews

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