Tractor Supply Credit Card Review

Could you let me know if you are looking to finance purchases at your local Tractor Supply store? If so, the Tractor Supply credit card may be worth considering. This store-branded credit card offers specific benefits for loyal Tractor Supply customers.

Tractor Supply Credit Card Review

In this Tractor Supply credit card review, we’ll cover the key features, pros, cons, and fine print you need to know about the Tractor Supply credit card. After reading this overview, you can decide if it’s the right fit for your wallet.

An Overview of the Tractor Supply Credit Card

Synchrony Bank issues the Tractor Supply credit card. It’s a store-branded credit card that can only be used for purchases at Tractor Supply locations and online at

This card is designed for Tractor Supply’s most loyal customers. Key features include:

  • 5% back in rewards on your first Tractor Supply credit card purchase.
  • Earn 1% back in rewards on all other Tractor Supply purchases.
  • 0% intro APR on purchases for 12 months (then 25.74% variable APR).
  • No annual fee.

Rewards come in the form of Tractor Supply gift cards that can be redeemed in-store or online. There is no minimum rewards redemption amount.

Pros of the Tractor Supply Credit Card

Here are some of the key benefits of using the Tractor Supply credit card:

  1. Earn Rewards on Tractor Supply Purchases

The main perk of the Tractor Supply card is the ability to earn rewards on all your Tractor Supply purchases. You’ll get 5% back on your very first purchase, and 1% back on all other Tractor Supply purchases after that.

These rewards can add up, especially for frequent Tractor Supply shoppers. The rewards come in the form of Tractor Supply gift cards, so they essentially translate to a 1% discount on future Tractor Supply purchases.

  1. 0% Intro APR

New Tractor Supply cardholders can enjoy a 0% introductory APR on purchases for the first 12 months. This intro period gives you over a year to pay for your Tractor Supply purchases interest-free.

Just be sure to pay off your full balance before the intro period ends. Otherwise, the ongoing purchase APR is a high 25.74% variable.

  1. No Annual Fee

The Tractor Supply credit card has no annual fee. This is common for retail credit cards, but still a nice perk. You can keep the card year after year without paying any annual or membership fees.

Cons of the Tractor Supply Credit Card

Now let’s look at some of the downsides to be aware of with this retail card:

  1. High Ongoing APR

If you carry a balance from month to month, watch out for the high ongoing APR. It’s a variable 25.74% as of this writing. This is quite a bit higher than average, even for retail cards.

Make sure you pay off the card in full each month once the 0% intro period ends. Otherwise, interest charges can add up quickly.

  1. Must Be Used at Tractor Supply

Since it’s a store-branded card, the Tractor Supply credit card can only be used at Tractor Supply locations and online. It won’t earn any rewards or be accepted anywhere else.

This isn’t ideal if you’re looking for a card to use at multiple stores. Consider a more flexible general rewards card instead.

  1. Limited Rewards Rate

While the 5% back on the first purchase is nice, you’re limited to 1% back on all other Tractor Supply purchases after that. Many other retail cards offer higher ongoing rewards rates of 2-3% back or more.

If your priority is maximize rewards over financing, you may want to consider other options.

Who Should Consider the Tractor Supply Credit Card?

The Tractor Supply credit card is best suited for:

  • Frequent Tractor Supply shoppers
  • Those making a big Tractor Supply purchase soon
  • People who want 0% financing on Tractor Supply purchases

This card makes the most sense for loyal Tractor Supply customers. You’ll get the most value from the rewards program and financing offer.

Occasional Tractor Supply shoppers may be better off using a general cash back or travel rewards card.

How Does the Tractor Supply Card Compare to Other Store Cards?

Here’s a quick look at how the Tractor Supply credit card stacks up to some other popular retail cards:

Tractor Supply Card

  • 5% back on first purchase
  • 1% back on other Tractor Supply purchases
  • 0% intro APR for 12 months

Amazon Prime Rewards Visa

  • 5% back at and Whole Foods
  • 2% back at restaurants, gas stations, and drugstores
  • 1% back on other purchases
  • No intro APR

Target REDcard

  • 5% off all Target purchases
  • Additional 30 day price match guarantee
  • No intro APR

Walmart Credit Card

  • 5% back on purchases (including grocery)
  • 2% back at Walmart fuel stations
  • 1% back on all other Walmart purchases
  • No intro APR

The Tractor Supply card offers a decent rewards rate for Tractor Supply loyalists. But the Amazon, Target, and Walmart cards provide more flexibility and bonus categories. Consider your overall spending habits when choosing a retail card.

How to Apply for the Tractor Supply Credit Card

Ready to apply for the Tractor Supply credit card? Here are two ways to submit an application:

  1. Apply online: Visit the Tractor Supply credit card application page and fill out the secure form. You’ll get a decision within seconds.
  2. Apply in-store: Stop by the credit center at your local Tractor Supply store and apply with a sales associate. You’ll need to provide personal information and ID.

The application process is quick and easy either way. Make sure to have your Social Security Number handy. If approved, you can start using your new Tractor Supply card immediately.

Tips for Getting Approved

Here are some tips that may help your chances of approval:

  • Maintain a good credit score – Applicants with scores in the good to excellent range (690+) tend to have better approval odds.
  • Keep credit card balances low – Try to keep your credit utilization under 30% across all cards. Lower usage helps.
  • Avoid applying for other new credit – Multiple recent applications can be a red flag and negatively impact your score.
  • Provide accurate information – Double check all details you provide. Incorrect data can lead to denial.
  • Consider adding an authorized user – This can help if you have limited individual credit history.

Meeting these criteria improves your approval chances, but isn’t guaranteed. Many factors affect your application.

How to Get the Most from Your Tractor Supply Card

To maximize your new Tractor Supply credit card, here are some useful tips:

  • Pay off the full balance each month to avoid interest charges.
  • Take advantage of the 0% intro APR on large Tractor Supply purchases if needed.
  • Link your rewards account to your Tractor Supply Neighbor’s Club for easier points tracking.
  • Redeem rewards regularly to use up points before they expire.
  • Make the card your go-to when shopping at Tractor Supply to maximize rewards.
  • Set up account alerts to monitor activity and catch fraud early.
  • Avoid late payments and going over limit to prevent penalties that hurt your credit.

Using the card responsibly helps build credit over time. Just be sure to read the terms carefully.

Alternatives to Consider

The Tractor Supply credit card is best for loyal Tractor Supply customers who will maximize the rewards program. But it’s not the only option out there.

Here are a few other cards that offer more flexibility and bonus categories:

  • Citi Custom Cash Card – 5% back in your top spending category each month
  • Chase Freedom Flex – Rotating 5% cash back categories
  • Wells Fargo Active Cash Card – 2% cash rewards on all purchases
  • Capital One SavorOne Rewards – 3% back on dining, entertainment, and groceries

Consider your overall budget and spending habits when choosing a rewards credit card. Having a card that aligns with your monthly expenses typically offers the biggest return.


The Tractor Supply credit card can be a great financing and rewards option for dedicated Tractor Supply shoppers. With 5% back on your first purchase and 0% intro APR for 12 months, it has some solid benefits.

Just keep in mind the high ongoing APR and limited rewards rate beyond the initial bonus. Make sure you understand the terms and only take advantage of financing offers as needed. Used wisely, this store card can be a nice addition for Tractor Supply regulars.

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