Citi
Citi Tractor Supply Visa Card
Earn 5% rewards at Tractor Supply stores and 3% at gas, grocery, and vet services. No annual fee. Flexible financing options available.
Annual fee
None
Top rate
3x groceries
Quick look
5% Rewards at Tractor Supply
Plus 3% at gas, grocery, and vet services
3.4
out of 5
Rewards
Fees
Welcome bonus
Perks
Value
Overall score is a weighted average: Rewards 20% · Fees 20% · Welcome bonus 20% · Perks 20% · Value 20%.
Ideal for
Frequent Tractor Supply shoppers who pay their balance in full every month and want to earn rewards without an annual fee
The verdict
The Citi Tractor Supply Visa Card is a niche winner if you're a regular TSC shopper: zero annual fee, 5% back on store purchases, and 3% on gas and groceries. But this card comes with a critical catch — a variable APR of 26-32%, one of the highest in the market. That means carrying a balance is financially dangerous. Pay it off every month, and this card rewards your loyalty. Miss a payment or finance a purchase, and the steep interest will erase your rewards gain in weeks.
Best for people who shop at Tractor Supply frequently and treat the card as a monthly transactor, not a balance carrier. If you only visit TSC a few times a year, the limited earning universe means this card won't justify a slot in your wallet.
Pros
- 5% rewards at Tractor Supply is the highest rate in the catalog for store purchases and a genuine incentive for regular shoppers
- No annual fee keeps this card from dragging on your monthly budget
- Bonus categories (3% gas, 3% groceries, 3% veterinary) align with rural and suburban household spending
- Special promotional financing offers available for large purchases at Tractor Supply, helpful for seasonal buying
Cons
- APR of 26-32% is exceptionally high — among the steepest in the market — making this a dangerous card if you ever carry a balance
- Rewards are meaningless outside of Tractor Supply and its bonus categories; 1% elsewhere is below-market for no-fee cards
- No welcome bonus or sign-up offer to offset the card's limitations
- Deferred-interest financing risks retroactive charges if promotional balance isn't paid in full before the promo ends
Reward rates
| Category | Rate | Details |
|---|---|---|
| Groceries | 3x | 3% in Rewards at grocery stores |
| Gas & EV charging | 3x | 3% in Rewards at gas stations |
| Everything else | 1x | 1% in Rewards on all other purchases |
The 5% at Tractor Supply is the card's entire value proposition and ranks at the top of the catalog for store-specific earning. The 3% on gas, groceries, and veterinary services is solid for a no-fee card — it covers multiple household spending categories without enrollment requirements. The 1% on everything else is uncompetitive; cards like the Blue Cash Everyday and Savor Rewards both earn 1-3% across broader categories. This card's rewards math only works if Tractor Supply is a regular stop in your shopping routine.
Fees and APR
Does it pay for itself?
Zero annual fee means you break even on rewards after your first few TSC purchases. For someone who spends $300 or more annually at Tractor Supply (about $25/month), the 5% back ($15+/year) and bonus categories pay the card's own way. The risk isn't the fee—it's the APR. Carrying even a small balance will wipe out months of earned rewards.
Welcome bonus
Is it worth chasing?
The signup bonus on this card is vague—the database lists only 'Bonus Reward with Qualifying Tractor Supply Purchase' with no stated dollar value or spending threshold. Third-party sources cite a $20 bonus for a first $20+ purchase, but that's modest and tied to store spending. Compare this to the Savor Rewards ($100 after $2,000 spend) or Blue Cash Everyday ($200 after $2,000 spend) and you'll see this card's welcome offer is negligible.
Similar cards
Broader rewards categories (3% groceries, 2% gas), same $0 fee, and a more competitive $200 welcome bonus—better unless TSC is your primary spend
Same issuer, same $0 fee, and $200 sign-up bonus, but rewards are limited to AT&T; this TSC card wins on rewards breadth
Frequently asked questions
Is this card worth it if I only shop at Tractor Supply a few times a year?
No. The 5% reward is only valuable if you spend regularly at TSC. If you visit fewer than a dozen times per year, you won't accumulate enough rewards to justify a card slot. Consider a general-purpose cash-back card instead.
What happens if I carry a balance on this card?
The APR of 26-32% is extremely high and will quickly erase any rewards you've earned. A $1,000 balance at 29% costs you roughly $240/year in interest—far more than the 5% rewards on $2,000 in annual TSC spending ($100). Never carry a balance on this card.
How does the promotional financing work, and is it a good deal?
Citi offers 0% interest on qualifying TSC purchases over $199 for promotional periods. The catch: if you don't pay the balance in full before the promo ends, interest accrues retroactively from the original purchase date. Only use this if you're certain you can pay it off in time.
Are there cards with better rewards on gas and groceries?
Yes. The Bank of America Customized Cash Card offers 6% on gas (vs. 3% here) and has rotating 5% categories that sometimes include groceries. The Blue Cash Preferred goes up to 6% on groceries. But if you shop at TSC regularly, those 6% rewards don't offset losing the 5% here on your biggest category.
Should I get the Tractor Supply store card or the Visa?
The Visa is more flexible: you earn 5% at TSC (same as the store card) plus 3% on gas, groceries, and vet services elsewhere. The store card is limited to in-store purchases only. The Visa is the better choice unless you want to limit spending to TSC and promotional financing.
Reviewed by YoungerFinance Editorial · Last updated August 10, 2026