Tractor Supply Credit Card: Everything You Need to Know Before You Apply

If you’re a regular Tractor Supply shopper, you might’ve heard about their branded credit card. But is it worth getting? In this post, we’ll break down the two Tractor Supply credit card options, the benefits, how to manage the card, and who it’s really for. We’ll also compare these cards side-by-side and offer practical advice for deciding if one belongs in your wallet.

Two Tractor Supply Credit Cards to Choose From

1. Tractor Supply Store Card (Closed-loop)

• Can only be used at Tractor Supply and Petsense, both online and in-store
• Ideal for loyal customers who shop often at these locations

2. Tractor Supply Visa Credit Card (Open-loop)

• Accepted anywhere Visa is
• Offers broader reward opportunities outside Tractor Supply

Quick Comparison Table

Rewards and Benefits

Both cards offer:

• 5% back in rewards on purchases made at Tractor Supply and Petsense

Visa Cardholders Also Get:

• 3% back at gas stations, grocery stores, and veterinary services
• 1% back on all other purchases

Rewards are issued through Neighbor’s Club, Tractor Supply’s loyalty program. Points accumulate automatically and can be redeemed on future purchases, helping frequent shoppers save more.

Special Financing Offers

One of the biggest draws for Tractor Supply cardholders is the special financing:

• 6 months no interest on purchases of $199 or more
• 12 months no interest on purchases of $399 or more
• 36 months at 3.99% APR for purchases over $1,599

Important Note: These are deferred-interest offers. If the balance isn’t paid in full by the end of the promo, interest charges from the original purchase date will apply.

Neighbor’s Club Preferred Plus Status

Cardholders are automatically upgraded to Neighbor’s Club Preferred Plus, which includes:

• Free same-day delivery (on eligible items)
• Free trailer rentals
• Early access to seasonal deals, events, and product launches

These perks are exclusive to cardholders and can make a noticeable difference for frequent shoppers or large purchases.

How to Apply or Manage Your Card

Apply Online:

• You can apply for either card via the Citi Retail Services Portal

Manage Your Account:

• View statements, set up auto-pay, make one-time payments
• Use the Citi app or online portal for account management

Customer Support:

• General Inquiries: 1-800-263-0691
• Technical Assistance: 1-866-668-3706
• TTY Services: Dial 711 or use your preferred relay service

✅ Should You Get It?

You should consider it if:

• You frequently shop at Tractor Supply or Petsense
• You want special financing on big-ticket items (e.g., mowers, fencing, trailers)
• You’ll take advantage of the Neighbor’s Club perks

It might not be for you if:

• You shop infrequently at TSC
• You already have a rewards card that gives better rates on all purchases

Final Thoughts

The Tractor Supply credit cards can be a smart choice for rural, farming, and DIY-focused shoppers. Between solid rewards, flexible financing, and exclusive perks, they offer strong value to the right user—especially when paired with responsible payment habits.

Still deciding? Check out our full comparison of top store credit cards in 2025 to see how Tractor Supply stacks up against Lowe’s, Home Depot, and others.