Review: Tractor Supply Credit Cards

tractor-supply-credit-cardTractor Supply Co. offers a consumer credit card and business credit card, one of which (the consumer card) allows you to finance large purchases at reduced interest rates — but be careful. Our overview / review of the Tractor Supply credit cards is below:

Tractor Supply credit cards are issued in partnership with Citibank, but they are only for use at Tractor Supply Co. We generally are not fans of credit cards that can only be used at single retailer — it’s not worth opening a new credit line unless there is a very compelling offer behind it.


As far as the Tractor Supply Personal Credit Card is concerned, that reason would be the special financing it offers:

  • Last we looked, the card was offering a 0% interest rate for 6 months on purchases over $299 until January of 2015.
  • Outside of this promotional period, you could get a 13.99% APR for 24 months on purchases of $500 or more, or for 48 months on purchases of $1000 or more.

There is a big catch to these offers which you need to understand: you must completely pay off the purchase you made at the reduced interest rate or you will get charged all the interest that would’ve accrued since the day you made the purchase. And that interest will be charged at the card’s “regular” interest rate of 25.99%! (Also, you can NOT use these promotions for online Tractor Supply purchases.)

The Tractor Supply Business Credit Card, on the other hand, does not offer special financing, and it has a high interest rate of 22.16%, so we can’t see a good reason to want this — use your lower interest business credit card instead.

Of course, it’s up to you. To apply for either Tractor Supply credit card, you’ll find online applications here.

See also: 0% Balance Transfer Credit Cards, Instant Approval Credit Cards, Cash Rebate Credit Cards