Tractor Supply Co.® Credit Card

Citibank Pending

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7

Benefits

1

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: 018

Issuer: Citibank

Card Name: Tractor Supply Co.® Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 06:57

Last Scraped: Feb 07, 2026 16:39

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible Servicemembers and their Dependents may receive an interest rate cap of 6% per year on certain pre-service obligations under SCRA.

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Tractor Supply Co. & Petsense Purchases 5x Points Qualifying purchases made at Tractor Supply Co. and Petsense by Tractor Supply stores and online at TractorSupply.com and Petsense.com. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 7 Total
PENDING
Account Management 1
Online Account Management
Online access

Access and manage your Tractor Supply Co.® Credit Card account conveniently online, including viewing statements, making payments, and updating personal information.

Customer Service 1
Dedicated Customer Service
Dedicated support

Access to dedicated customer service support for inquiries related to the Tractor Supply Co.® Credit Card.

Financial 1
No Annual Fee
No annual fee

Cardholders are not charged an annual fee for maintaining the Tractor Supply Co.® Credit Card account.

Financing 2
Special Financing: 6 Months 0% APR
0% APR for 6 months on purchases $199-$999.99

Receive 0% APR for 6 months on qualifying purchases between $199 and $999.99. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 months.

Special Financing: 12 Months 0% APR
0% APR for 12 months on purchases $1000+

Receive 0% APR for 12 months on qualifying purchases of $1000 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months.

Shopping 2
Everyday 5% Discount
5% off every qualifying purchase

Cardholders receive a 5% discount on every qualifying purchase made with the Tractor Supply Co.® Credit Card.

Exclusive Cardholder Offers
Varies by offer

Cardholders receive access to other special savings offers and promotions throughout the year, in addition to the everyday 5% discount.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18 or 24 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Applicants for the '018' card are subject to Citibank's application velocity rules, typically allowing no more than 1 personal credit card application within an 8-day period and no more than 2 personal credit card applications within a 65-day period. Eligibility for the new cardmember bonus requires that the applicant has not received a new cardmember bonus for this specific '018' card or any card within its associated product family (e.g., ThankYou, Custom Cash, etc., depending on '018's classification) within the last 24 months. The account must remain open and in good standing at the time the bonus is fulfilled.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citibank products, rapid application for multiple credit products, frequent balance transfers without new spend, suspicious spending patterns (e.g., large, round numbers at unusual merchants), repeated opening and closing of accounts (churning), or defaulting on payments.

Cliff Effect Rules: The 24-month bonus eligibility rule applies across specific card families. If '018' is part of a defined Citibank card family (e.g., the ThankYou Points family), receiving a new cardmember bonus on any card within that family (e.g., Citi Premier, Citi Prestige, Citi Custom Cash) will reset the 24-month clock for eligibility on '018' and other cards in the same family. This means you must wait 24 months from the date you received the bonus on a family card before being eligible for a bonus on '018' or another card in that family.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Good for frequent Tractor Supply Co. shoppers, offers special financing options, easy application process.

Top Negative:
High APR outside promotional periods, limited rewards outside Tractor Supply Co., not a versatile general-purpose card.

Approval Experience: 72.5 / 100

Recommended Alternatives
  • Citi Custom Cash Card
  • Capital One Quicksilver Cash Rewards Credit Card
  • Discover it Secured Credit Card

Card Value Score: 68.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0