Tractor Supply Company® Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Tractor Supply Company® Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateup to $50 initial rewards bonusQualify with fair creditHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Tractor Supply Company® Credit Card has a rating of 3.5/5 according to our proprietary credit card rating system. This rating reflects how appealing Tractor Supply Company® Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Tractor Supply Company® Credit Card earned a score of 5.0/5 for Fees, 3.6/5 for Rewards, 3.3/5 for Cost, and 3.6/5 for User Reviews. Info about the Tractor Supply Company® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.6/5
90 reviewsRead and write reviews
Market Comparison
Market Comparison
3.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.6
Cost
3.3
Other Features
0.0
3.5/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% - 3.99% intro APR for 6 - 36 months, 31.24% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
New accounts get a $50 reward with the first purchase of at least $200 or $20 reward with a purchase of at least $20 made within 30 days of account opening. Requires membership in Neighbor’s Club.
Earn 5 points / $1 spent (equivalent to 5% back in rewards) on qualifying purchases. $5 for every $100 spent. Requires membership in Neighbor’s Club.
Automatically elevate to Preferred Plus Neighbor Level and enjoy benefits like free same-day delivery, full-day trailer rentals and every day standard shipping ($29 min spend).
Enjoy a surprise offer during your birthday month, receipt-free returns and exclusive offers.
Watch your email for coupons only sent to Neighbors, and keep track of your TSC purchases online.
Tractor Supply Company® Credit Card's Additional Info
•
Deferred Interest Details: No Interest if paid in full within 6 or 12 months on minimum purchases of at least $199 or $399.
•
Reduced APR financing: 3.99% APR for 36 months on purchases of $1,599 or more.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.6
Market Comparison
3.5
fees: 5.0
rewards: 3.6
cost: 3.3
Other Features: 0.0
4.8WalletHub Rating
WalletHub Rating
4.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.5
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.3
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
Other Features: 4.5
(90)
(73)
(1,250)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% - 3.99% for 6 - 36 months
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about Tractor Supply Company® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
The Tractor Supply Company® Credit Card phone number for customer service is (800) 263-0691. To get in contact with a live representative, you will have to provide either your account number or your Social Security number.
How to Speak to the Tractor Supply Company® Credit Card Customer Service
Call the Tractor Supply Company® Credit Card customer service at (800) 263-0691 or the number you see on the back of your card.
When prompted, say or enter your account number. Alternatively, wait until you are asked to provide your Social Security number. If your Tractor Supply Company® Credit Card was stolen, press “5”.
Wait on the line until you are connected to a live representative.
If you can't or don't want to talk to the Tractor Supply Company® Credit Card customer service over the phone, you can reach them online by logging in to your account. Then, click “Get Help” and a virtual assistant will help you with some common inquiries, like promotional balances or payment options.
Another way to contact the Tractor Supply Company® Credit Card customer service is via mail. The address is:
Tractor Supply Credit Card PO Box 6403 Sioux Falls, SD 57117-6403
Keep in mind that reaching customer service via mail is the least convenient way. That's because sending any inquiry via mail will take a few business days to reach its destination.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. With this card, you get 5 points per $1 spent on qualifying purchases.
The credit score needed for the Tractor Supply Company® Credit Card is 640, at a minimum. That means you will need fair credit or better to get approved for this card.
Other Tractor Supply Company® Credit Card Approval Requirements:
Keep in mind that while your credit score plays an important role in determining your approval odds for the Tractor Supply Company® Credit Card, there are other factors that will be considered. Some of these include your credit history, along with your income and any...
Unfortunately, you cannot check for Tractor Supply Company® Credit Card pre-approval. Anyone interested in applying for the card will have to do so without the benefit of checking for pre-approval beforehand.
Keep in mind that the Tractor Supply Company® Credit Card requires at least fair credit for approval. If you don't know where you stand, you can check your credit score for free on WalletHub.
Ultimately, you can also use WalletHub's CardAdvisor tool to help find the right credit card for you. Just answer a few...
The only way you can cancel your Tractor Supply Company® Credit Card is to call customer service at (800) 263-0691 or the number you see on the back of your card. You cannot cancel a Tractor Supply Company® Credit Card online.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. In addition, you will forfeit any unused rewards. So, be...
If you lost your Tractor Supply Company® Credit Card, you should report it either online, or by contacting customer service at (800) 263-0691. The issuer will request some security information in order to verify your identity before sending a replacement.
Report a Lost Tractor Supply Company® Credit Card Online
Log in to your Tractor Supply Company® Credit Card online account, by using your credentials.
In the top right of your screen, click on “I want to.”
From the drop-down menu, select “Report my Lost...
The Tractor Supply Company® Credit Card is intended for applicants with fair credit. One of the card's key features is that you earn 5 points per $1 spent on qualifying purchases. Plus, you get $50 reward after first purchase of $200+ or $20 reward with a purchase of $20+ made the first 30 days. The card also has a $0 annual fee.
If you request an increase, the issuer will notify you whether it will trigger a soft or a hard pull on your credit. In case it's a hard pull, your credit score might be temporarily affected.
Automatic credit limit increases, on the other hand, will always result in a soft inquiry and won't affect your credit score.
Share your insights and review for the Tractor Supply Company® Credit Card
5
46%
4
18%
3
12%
2
4%
1
20%
3.6
90 reviews
90 reviews
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carrie_6122 @carrie_6122
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1 Star Rating
Tractor Supply falsely advertises rewards that it does not fulfill. They will charge your card for items ordered that are never delivered, and then when you contact them to have the charges reversed because they could not deliver the product as promised, you will get hung up on, put off, and ignored. It took me over three weeks to get them to remove a $491 charge for a delivery they never provided. Not only could they not make good on the delivery, they wouldn’t remove the charge for weeks. Unless you have hours of time you would like to waste trying to get them to do the right thing, avoid this card!
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Bob Smith @randy_teague
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1 Star Rating
I applied in-store for the card to purchase a high-ticket item. I received the bill before I received the card. I put the bill aside until I got the card. It was getting close to my due date, so I thought I would call and get help with the card not arriving. Point of note, you cannot sign onto your account until you activate the card, which I did not have. I called and tried to get a card ASAP, but they told me I would not receive it until after the due date and would be charged interest. They said I could pay over the phone now, but I had to give them my routing number and my checking account number over the phone to the person I was speaking to. Who in the world does that? I will see if I can argue it at a later date when I get my card, but what a pain in the backside. Don't get the card!
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kodsterman @kodsterman
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2 Star Rating
Verified Customer
way to high of credit Annual percentage rate of 30 percent. does not work anywhere other than tractor supply. only was a useable card for me while i was working at tractor.
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Kyla @whimzwinks
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5 Star Rating
Verified Customer
Easily applied and approved. Allows to purchase those awesome decorations they offer during the holidays. Interest isn't the best but it is a store card.
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0
1
nunya baker @nyychica86
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1 Star Rating
Terrible customer service. They are the least willing to work with you. Their website is not super user friendly. 1000x don’t recommend Citi
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0
mark kephart @makephart
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1 Star Rating
We have had nothing but headaches with our Tractor Supply Citi bank card. We went into store and paid our first Citibank bill IN FULL before the due date,then received a bill the next month for the same total with late fees and interest. Tractor supply says we do not owe them any money and it is a Citibank issue which we would have to clear up with Citibank. We have provided Citibank with a copy of our cancelled check along with our register receipt which states credit card payment and an authorization number. They say they will not fix the situation until they determine where our payment went???( even though they admit to seeing credit card payment and auth. Number printed on our receipt and the have the cancelled check there ).I have spent 7 hours on the phone with them and still no credit issued.
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1
0
lacresfarm @lacresfarm
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1 Star Rating
TSC has changed to visa total on my card went to $900 have never put more than $200 per month always paid total each month have not been able to get invoices of purchases
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0
0
Lucy @lmmartin8282
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5 Star Rating
Verified Customer
I love my tractor supply card I would recommend it to everyone .I shop there for my pet supplies and home supplies ,If you can get approved you will love it.
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alfarrell25 @alfarrell25
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5 Star Rating
Verified Customer
We us this card for our horses, dogs and cats. They give access to trailers which saves us money picking up hay. Good people that do their best to take care of you.
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Austin @austin_t_fall
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5 Star Rating
Verified Customer
This is a good card for tractor supply, 5% rewards is decent. Additionally, the user has the option to lock in higher ticket items at a very low interest-rate over a long period of time.
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Tractor Supply Company® Credit Card and Citi Double Cash® Card
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