Tractor Supply Co. Consumer Credit Card
Basic Information
Program ID: 018
Issuer: Citibank
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 06:57
Last Scraped: 01/15/2026 05:12
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No Citibank sign-up bonus details found on the provided Tractor Supply Co. URL as of January 2026. The credit cards advertised on the page are issued by Synchrony Bank, not Citibank.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 10.00%
Bonus Categories: 10x Hotels, Car Rentals, Attractions (via CitiTravel.com); 3x Supermarkets, Restaurants, Gas Stations, Air Travel, Hotels
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Flying Blue (Air France/KLM), JetBlue TrueBlue, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Eligibility for the '018' card requires applicants to be 18+ years old, a US resident, and possess excellent credit. New cardmembers are eligible for a welcome bonus, but are not eligible if they have received a bonus on any card within the same product family in the past 24 months. Citibank typically enforces an '8/65' rule (no more than 8 applications in 65 days) and a '1/8' rule for business cards. Additionally, applicants are generally limited to one new Citibank personal card application every 8 days and no more than two new Citibank personal cards every 65 days.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit, frequent balance transfers without new spend, abnormal spending patterns inconsistent with income, repeated account opening and closing, failure to pay on time, bouncing payments, applying for excessive credit too quickly.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Special financing options for large purchases, exclusive discounts for Tractor Supply Co. shoppers, easy application process.
Top Negative Feedback:
High standard APR, limited rewards outside of Tractor Supply Co., deferred interest can be costly if not paid in full.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Home Depot Consumer Credit Card
- Lowe's Advantage Card
- Citi Custom Cash Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 10% General / 90% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0