Tractor Provide Credit score Card Evaluate: Is It Any Good?


The Tractor Provide Co. bank card has no annual payment and a dizzyingly excessive APR—however provides a reasonably nifty rewards construction. That’s if you happen to store at Tractor Provide Co. commonly.

Does this card make the reduce?

Let’s discover out—

This text will present you: 

  • What the Tractor Provide Card is.
  • Its execs, cons, and rewards system.
  • The way it compares to different bank cards for honest credit score.

Learn extra:

Tractor Provide Credit score Card at a Look

Full title: Tractor Provide Firm Visa Card

Finest for: Rewards for getting stuff at Tractor Provide Firm

Issuer: Citibank, N.A.

Credit score rating wanted: Truthful or above

The Distinction Between Tractor Provide Visa Credit score Card and Tractor Provide Retailer Card

Alright, let’s break this down.

The Tractor Provide Retailer Card is sort of a VIP move—it solely works at Tractor Provide Co. on-line, in-store, or catalog. 

It doesn’t provide rewards, but it surely may give you cool financing choices whenever you purchase huge stuff.

On the flip facet, the Tractor Provide Co. Visa Credit score Card is all that and extra. It really works in all places Visa is accepted, not simply in Tractor Provide Co. retailers. Plus, it showers you with rewards for each buck you spend. How cool is that? 

However this card will often test your credit score rating extra strictly—so pay attention to that.

Now, if you happen to clicked right here on a whim and wish first to seek out out what the Tractor Provide Firm does—

Tractor Provide is your go-to native retailer for rural dwelling necessities. It provides the whole lot from animal feed to energy instruments and even rugged clothes appropriate for the good outside.

Now, let’s get into the nitty-gritty of the Tractor Provide Credit score Card.

Tractor Provide Credit score Card: Total Card Evaluate

Tractor Provide Credit score Card Professionals & Cons


  • Fairly beneficiant rewards construction.
  • No annual payment.
  • Particular financing choices on bigger purchases.
  • Zero fraud legal responsibility for unauthorized transactions.
  • Constructed-in Visa cardholder advantages.


  • Restricted use of rewards, as they’re redeemable solely at Tractor Provide Co.
  • Not best for many who don’t ceaselessly store at Tractor Provide Co.
  • Excessive APR, making it expensive for these unable to pay the steadiness in full every month.
  • Rewards factors expire if not used inside a yr.

Professionals—Why We Like It

Fairly beneficiant rewards construction

With 5 factors per $1 spent at Tractor Provide Co., your common purchases might pile up rewards shortly. 

That is like incomes 5% again in your spending, for use on TSC purchases once more. So if you happen to’re an everyday there, it needs to be a no brainer.

Incomes three factors per greenback at gasoline stations and grocery shops means on a regular basis necessities additionally contribute to your rewards.

With the flexibleness to earn one level per $1 on different purchases, you aren’t restricted to particular classes or retailers.

Learn extra:

No annual payment

The absence of an annual payment reduces your value of proudly owning the cardboard.

And if you happen to don’t use it for some time, it’s not an enormous deal.

Intro APR

You get a 3.99% intro APR for 36 months for choose purchases eligible for a Main Buy Plan.

Particular financing choices on bigger purchases

Particular financing choices for bigger purchases might assist handle outlays higher.

Financing choices with TSC Credit score Playing cards imply no curiosity if paid in full inside the respective promotional interval. You’ll get:

  • Six months of interest-free financing for purchases of $199 or extra.
  • Twelve months of interest-free financing for purchases of $399 or extra.

Take into accout, although, that curiosity will accrue from the acquisition date and might be charged if unpaid inside the promotional interval.

Moreover, they provide:

  • A 36-month plan with a 3.99% APR for purchases of $1,599 or extra. 

Bear in mind

These promotions are for these whose accounts are in good condition and have gotten the inexperienced mild on credit score checks. Different provides can’t be used along with these, and the full buy quantity ought to attain the mandatory quantity earlier than contemplating taxes, charges, or reductions in a single buy.

Zero fraud legal responsibility for unauthorized transactions

Zero fraud legal responsibility shields you from prices incurred because of unauthorized expenses.

And let’s be sincere—in right this moment’s world, it could possibly come in useful generally.

Constructed-in Visa cardholder advantages

Further Visa cardholder advantages, together with automotive rental insurance coverage and emergency help, may be simply what you want in surprising conditions.

Cons—Issues to Suppose About

Restricted use of rewards

Rewards may be redeemed solely at Tractor Provide Co., limiting their versatility fairly a bit. And also you gained’t get the 5% rewards fee if you happen to do not store there commonly.

It’s worthwhile to ask your self—is it price it, then?

Take a look at extra versatile choices:

Excessive APR

The cardboard’s excessive APR might make carrying balances costly. With over 30% fee, it’s principally solely good for many who can clear their steadiness every month.

Rewards factors expire

In the event you can’t use your reward factors inside a yr, they’ll expire. It’s further essential to plan spending and rewards redemption effectively.

Key Tractor Provide Credit score Card Charges & Charges



Annual payment




APR for money advances


APR for steadiness transfers


Steadiness switch payment

Both $10 or 5% of the quantity of every switch (whichever is larger)

Money advance payment

Both $10 or 5% of the quantity of every money advance (whichever is larger)

International transaction payment

3% of every transaction (in US {dollars})

Late payment

As much as $41

Minimal curiosity cost payment


Issues to Know Concerning the Tractor Provide Firm Visa Card

Tractor Provide Firm Visa rewards & advantages

The Tractor Provide Co. Visa Credit score Card rewards its customers with factors for each greenback spent. 

Right here’s how the purpose system works:

  • You earn 5 factors per $1 spent on purchases at Tractor Provide Co. (whether or not in-store or on-line).
  • Fuel station and grocery retailer purchases are rewarded at three factors per $1 spent.
  • All different purchases the place Visa is accepted bag one level per greenback spent.

When you accumulate 2,500 factors, you’re in for a deal with: These factors convert right into a $25 Tractor Provide Co. Rewards Certificates, which you need to use in your subsequent Tractor Provide Co. buy. 

Therefore, for each 2,500 factors earned, you’re basically incomes again $25, making every level price a few penny.

If you would like much more advantages, be part of their Neighbor program. All the main points are beneath:

Supply: Tractor Provide Firm

The Most popular Plus Neighbor Membership of the Tractor Provide Co.’s Neighbor’s Membership provides a number of premium advantages:

  • Free Similar-Day Supply: You get two complimentary same-day deliveries per quarter on eligible Tractor Provide purchases. Every certificates has a most worth of $25. (Circumstances and exclusions apply.)
  • Full-day Trailer Leases: This membership stage contains two free full-day trailer leases per quarter, topic to availability and range by location.
  • Free On a regular basis Commonplace Transport: Get pleasure from complimentary customary delivery on eligible Tractor Provide purchases with a minimal spend of $29.

These advantages goal to make buying with Tractor Provide extra handy and cost-effective for frequent clients.

What’s the credit score restrict on Tractor Provide bank card?

The credit score restrict on the Tractor Provide Co. Visa Credit score Card isn’t set in stone, as it largely is dependent upon the cardholder’s creditworthiness

Right here’s the way it works: Your credit score restrict relies on issues like your credit score rating, how a lot you make, and the money owed you have already got. Throughout your utility, these components are checked to assign your credit score restrict. So it may be completely different for everybody. 

The surest technique to know your restrict? Look forward to the information out of your issuer as soon as they approve your utility.

Bear in mind

If you wish to apply, watch out for the onerous pull Citibank performs to test if you happen to’re eligible for the bank card.

Alternate options: How Tractor Provide Card Compares to Different Credit score Playing cards for Truthful Credit score?

We ranked the Tractor Provide card in opposition to two different bank cards that require solely a good credit score rating:

Tractor Provide Credit score Card


Capital One QuicksilverOne Money Rewards Credit score Card


Petal 2 “Money Again, No Charges” Visa Credit score Card


Annual payment


Annual payment


Annual payment














Be taught extra

Be taught extra

Be taught extra

Helpful Hyperlinks

Obtain the Tractor Provide app right here.

Obtain our bank card payoff calculator.

Learn extra in regards to the good technique to get and handle a bank card on the Shopper Monetary Safety Bureau’s web site.

Precise Shopper Evaluations of the Tractor Provide Card

There weren’t many opinions on the Tractor Provide Visa, however we managed to discover a couple that may very well be helpful for you. For instance, in regards to the rewards program—

“I’ve obtained 5% factors from the cardboard and simply appeared within the app… 4,700 spent this yr for over $200 reward certificates. Final yr, I used one of many quarterly free trailer leases as a result of it was simpler than working again to the farm. Additionally they have my tax-exempt hooked up to the cellphone quantity/bank card, so it makes that straightforward too.”

“We used to get a % off coupon, however now they don’t even try this. We get a coupon as soon as a nook for a small trailer rental for a day, however that isn’t one thing we’d ever use. I now absolutely  assist a domestically owned feed retailer, they usually load the whole lot for me.”

After which in regards to the card itself—

“I’d get a Citibank Double Money Card as a substitute.”

Is Tractor Provide Credit score Card Good for Me?

In the event you’re an everyday at Tractor Provide Co., grabbing instruments, pet stuff, or farm gear, then the Tractor Provide Co. Visa Card may very well be your ticket to some neat rewards—5 factors for every buck you spend there.

But when spending each greenback there’s international to you—search for a greater bank card. The APR over 30% is simply too excessive.


Does Tractor Provide give bank cards?

Sure, Tractor Provide Co. does provide bank cards. They supply two choices: the Tractor Provide Retailer Card and the Tractor Provide Co. Visa Credit score Card. 

The Retailer Card can solely be used at Tractor Provide places and on their web site. On the identical time, the Visa Credit score Card is accepted anyplace Visa is accepted, providing a broader scope for spending and a rewards program.

Test your retailer card choices by studying eBay Mastercard Evaluate and Emporium Black Credit score Card Evaluate.

Is a Tractor Provide bank card just for Tractor Provide?

The Tractor Provide Co. Retailer Card is proscribed to in-store purchases, on-line, or by way of catalog at Tractor Provide Firm. 

Nonetheless, their second possibility—the Tractor Provide Co. Visa Credit score Card—is accepted wherever Visa is accepted (principally in all places). This card provides factors for purchases at Tractor Provide Co. and rewards for purchases made outdoors the shop. 

It’s a wonderful alternative for Tractor Provide patrons who additionally need the flexibleness of a general-purpose bank card.

If you would like a broader scope of accessible merch, take a look at the eBay Mastercard Evaluate.

Is it onerous to get a Tractor Provide card?

The Tractor Provide Co. Visa Credit score Card isn’t probably the most stringent on the subject of credit score rating necessities. Sometimes, you want a good to good credit score rating to get authorized. This often corresponds to a FICO rating of round 640 or greater. 

Your revenue and different monetary components additionally come into play through the analysis. In case your credit score rating is lower than stellar, it is likely to be a bit difficult. 

As at all times, credit score approval tips can range—and it’s finest to test the most recent necessities straight from Tractor Provide or their card issuer, Citibank.

Does Tractor Provide do a tough credit score pull?

Sure, whenever you apply for a Tractor Provide Co. Visa Credit score Card, the issuer will probably carry out a tough credit score pull to gauge your creditworthiness. 

It may well trigger a short lived drop in your credit score rating, however you are able to do loads of issues to extend it again. Learn to try this:

How does the Tractor Provide bank card work?

The Tractor Provide Co. Visa Card rewards you with factors for each greenback spent—5 at Tractor Provide Co., three at gasoline stations and grocery shops, and one on all different purchases. 

Acquire 2,500 factors and get a $25 Tractor Provide Co. rewards certificates.

Further perks embrace particular financing choices, like six months interest-free for purchases of $199+ or twelve months for $399+. There’s a longer-term possibility for purchases of $1,599+. 

Simply keep in mind to pay inside the promotional interval to keep away from curiosity. The cardboard has no annual payment however a variable APR of over 30%.

What number of bank cards ought to you might have?

The precise variety of bank cards actually is dependent upon you. A couple of playing cards can assist your credit score rating by bettering your credit score utilization ratio and blend—so long as you may deal with them responsibly. 

Too many playing cards may be onerous to handle—and every new card utility can ding your credit score rating barely. 

So, hold it easy: Solely get as many playing cards as you may simply handle. Be taught extra from our article: How Many Credit score Playing cards Ought to I Have?

Are you able to apply for a Tractor Provide bank card in-store?

Sure, you may. Simply swing by the customer support desk, ask for the applying kind, fill it out, and hand it again. 

They’ll course of it and provide you with a heads-up about their choice.


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