The Card for Life Out Here
For farmers, ranchers, pet owners, and anyone living the “out here” lifestyle, the Tractor Supply Company (TSC) is a frequent and necessary stop. If you’re a loyal customer, the Tractor Supply Credit Card offers a valuable way to turn your everyday purchases into significant rewards and exclusive benefits.
Issued by Citi Retail Services, the TSC credit program actually features two different cards tailored to different spending habits: the TSC Store Card and the TSC Visa Credit Card.
1. Card Options: Store Card vs. Visa
It is important to know which card you are applying for, as their acceptance and reward structures differ outside of Tractor Supply Co.
| Feature | TSC Store Card (Private Label) | TSC Visa Credit Card (Co-branded) |
| Where to Use | Exclusively at Tractor Supply Co. stores, TractorSupplyRx.com, Petsense by Tractor Supply. | Anywhere Visa is accepted worldwide. |
| TSC Rewards | 5% back in Neighbor’s Club rewards OR special financing (mutually exclusive). | 5% back in Neighbor’s Club rewards OR special financing (mutually exclusive). |
| Non-TSC Rewards | None | 3% back in rewards at gas stations, grocery stores, and veterinary services. |
| All Other Purchases | None | 1% back in rewards. |
| Annual Fee | $0 | $0 |
The Verdict: The TSC Visa Credit Card offers significantly more flexibility and value due to the 3% back categories, making it the stronger choice for most applicants. When you apply, you are typically considered for both cards.
2. High-Value Rewards and Loyalty Status
The main draw of the TSC Credit Card is the elevated rewards rate for loyal shoppers.
The 5% Back Offer
Both card versions offer an industry-leading 5 points per $1 spent (equivalent to 5% back in rewards) on qualifying purchases at Tractor Supply Co., Petsense, and TractorSupplyRx.com.3
- Initial Bonus: New cardmembers often receive a welcome bonus, such as a $50 reward after the first qualifying purchase of $50 or more (offer details and minimums vary).4
- Redemption: Rewards are earned as Neighbor’s Club points and are redeemed as reward certificates that can be used on future purchases at Tractor Supply and Petsense.5 Note: You must choose either the 5% rewards or a special financing offer; you cannot get both on the same purchase.
Automatic Preferred Plus Neighbor Status
All TSC Credit Card members are automatically upgraded to Preferred Plus Neighbor Status—the highest tier in the Neighbor’s Club loyalty program—which unlocks powerful, non-monetary benefits:6
- Free Same-Day Delivery: Typically two uses per quarter on eligible purchases.7
- Free Full-Day Trailer Rental: Often two uses per quarter (subject to availability; heavy-duty and dump trailers may be excluded).8
- Free Everyday Standard Shipping: On eligible Tractor Supply purchases ($29 minimum spend).
- Free Birthday Gift/Reward
- Receipt-Free Returns
3. Special Financing Offers
For large equipment, fencing, or tool purchases, the promotional financing options can be more valuable than the 5% rewards. These offers are a form of Deferred Interest or Reduced APR financing.
| Purchase Amount | Promotional Offer | Details |
| $199 or more | No Interest if Paid in Full within 6 Months | Deferred Interest: Interest accrues from the purchase date but is waived if the full promotional balance is paid off before the term ends. |
| $399 or more | No Interest if Paid in Full within 12 Months | Deferred Interest: Interest accrues from the purchase date but is waived if the full promotional balance is paid off before the term ends. |
| $1,599 or more | 3.99% APR for 36 Months | Reduced APR: Fixed, low interest rate for the life of the loan. |
âš Deferred Interest Warning: The “No Interest” offers are not the same as a 0% introductory APR. If you fail to pay the entire promotional balance by the deadline, all the deferred interest is retroactively charged to your account from the original date of purchase at the high standard APR.9 Always pay off the balance in full before the promotional period ends.
4. APR and Fees: The Fine Print
Like most store-branded cards, the Tractor Supply Credit Card has a high standard Annual Percentage Rate (APR).
- Annual Fee: $0 (both cards)
- Standard Purchase APR: Typically a very high variable APR (e.g., in the range of 33.24% as of late 2024, subject to change).
- Minimum Credit Score: Applicants generally need Fair to Good credit (640+ FICO Score) for the best approval odds.
Because of the exceptionally high standard APR, this card should only be used if you can pay your balance in full every month to avoid all interest charges, or if you are deliberately utilizing a special financing promotion.
5. Who Should Apply?
The Tractor Supply Credit Card is an excellent fit for a very specific type of consumer:
✅ The Dedicated TSC Shopper: You spend hundreds (or thousands) per year on supplies, feed, equipment, or vet supplies at Tractor Supply, Petsense, or TractorSupplyRx.
✅ The Pet Owner: The 5% back on pet food, supplies, and prescriptions is hard to beat, particularly with the added 3% back on general vet services for the Visa card.13
✅ The Buyer of Big-Ticket Items: You need the option of 6, 12, or 36 months of promotional financing for major purchases and are confident you can meet the payment deadlines.
The Tractor Supply Credit Card (especially the Visa version) is a potent tool for maximizing value at TSC. Its combination of a high 5% rewards rate, top-tier Neighbor’s Club benefits, and special financing options offers a compelling package.
However, its high standard APR makes it unforgiving if you carry a balance. For the disciplined shopper who frequently buys from the TSC family of brands, this card provides clear financial advantages.