Tractor Supply Credit Card now offers a number of money-saving promos to its clients.
Customers who use the Tractor Supply Credit Card receive 5% back in rewards on purchases made at Tractor Supply Co.
Many prominent retailers provide store credit cards.
If you shop at Tractor Supply frequently, the credit card may help you save money in certain scenarios.
However, if you want a credit card with a strong cash-back or rewards program, there are better options available from other credit card issuers.
Tractor Supply Credit Card
Tractor Supply has developed as a major player in the home improvement industry, with over 1,700 retail locations across the country.
The business sells a lot of high ticket items, like lawn care equipment and furnaces, so spending a few thousand dollars at Tractor Supply isn’t out of the question.
Citibank has issued this store credit card.
If you’re wondering if the Tractor Supply credit card is perfect for you, keep reading.
Important Takeaways
- High APRs. This card is not recommended for persons who carry a balance.
It features a 25.99 percent variable purchase APR.
- No yearly fee. This is an excellent choice for anyone searching for a low-maintenance card.
It provides the same benefits as a credit card but does not require an annual fee.
- Fair or better credit required. If your credit score is above 650, you will have a decent chance of approval.
What is Tractor Supply Company?
Tractor Supply is well-known in the United States as one of the most popular rural stores. It can meet the majority of the needs of farmers and ranchers.
It has been in the market for over 80 years, ensuring high-end home and land care products.
However, it has concentrated much of its efforts on the production, distribution, and sale of pet and animal products.
It has locations around the United States.
However, it has also pushed for goods sales to be conducted online in order to provide its clients with more easy and safe transactions.
How to Apply for Tractor Supply Credit Card
- First and foremost, you must access the Citi Bank website
- Find the “Apply Now” button in the center of the page and click it.
- Select “CONTINUE.”
- Select either personal or business.
At that moment, click on the appropriate button.
- Please include your full name, email address, physical address, phone number, financial information, social security number, and date of birth.
- After you’ve finished filling out the form, scroll down to see the terms and conditions.
Then, carefully and attentively read these terms.
- If you want to proceed after reading these terms, first check the boxes next to “I have” and “I agree.”
Finally, at the bottom of the page, click the “SUBMIT APPLICATION” button.
- And then the application is submitted. You will also most likely see the outcome of your application right away. However, in exceptional cases, the bank may require additional time to process your application.
How to call Tractor Supply Credit Card Customer Service?
- First, dial 1-800-263-0691.
What is the procedure for checking the status of my tractor supply credit card?
You can check the progress of your Tractor Supply Credit Card application by calling (888) 201-4523. Even if they turn you down, there is still hope. Request a reconsideration at the following phone number: (800) 695-5171
Tractor Supply Company, Inc.5401 Virginia Way Brentwood, Tennessee 37027United States Tractor Supply Company, Inc.5401 Virginia Way Brentwood, Tennessee 37027United States.
Can I pay my Tractor Supply credit card in the store?
The response is unequivocally “Yes.” However, in order to use the product more efficiently, you must formalize the online registration.
The following steps are required for online registration:
- Use any browser to access the Tractor Supply login page.
- Select the “Register your card” option.
Then,
- Enter your debit card number, which is made up of eight numeric codes. Then select “Continue” from the menu.
- Enter the system-required information, such as the user name, security code, and the last four digits of the Social Security Number.
- When you press the “Verify” button, the system validates the information you submitted.
- Complete the Tractor Supply credit card registration by following the steps below.
How to pay on my Tractor Supply credit card?
Tractor supply credit card payments are now made online.
But first, you must sign in.
How to do Tractor Supply Credit Card Login?
What should you do?
Here is the whole process for gaining access to your account.
- First, navigate to the Tractor Supply login page. Use any browser to do it.
- The system will prompt you for information such as your user name and password.
Both will have been collected throughout the registration process.
- Select the “Login” option.
- Complete the remaining steps to be allowed to make online payments with your Tractor Supply credit card.
Assume you’ve logged in; congratulations!
You will then be able to make the necessary payments.
However, you will be able to perform any other task, such as analyzing your account statement and verifying your credit status.
Pay Tractor Supply Company over the phone.
You can also make credit card payments over the phone by calling customer support.
Tractor Supply provides up to two options that you can rely on:
- If you are a regular Tractor Supply customer, you can phone your credit card number at 1 800 263 0691.
- Calls from commercial Tractor Supply credit card clients can be placed at 1 800 559 8232.
After dialing, one of the agents will answer the phone.
They are highly skilled individuals that can answer your questions.
Making payments through this platform will not cause you any big problems.
This is the credit card payment address.
If you want to make credit card payments over the mail, you must fill out the following addresses:
- PO BOX 9001006, Louisville, KY 40290-1006 for Tractor Supply credit cards
- PO BOX 78004, Phoenix, AZ 85062 – 8004 for commercial credit cards
To avoid payment delays, it is critical to send the corresponding check five days before the due date.
You will avoid future problems with your credit card and a bad reputation this way.
The Tractor Supply credit card’s benefits and drawbacks
This credit card offers benefits and drawbacks that you should be aware of before applying for it.
Primary Benefits
- You are not need to pay any annual fees in order to get this financing option.
- You will have various options for financing the purchase of any item from Tractor Supply.
- You will be notified of any transactions made with your credit card.
The most well-known downsides
- The annual percentage rate on this form of credit card is the highest (APR).
- It does not offer its consumers the typical sign-up bonuses found in other goods.
- Using this card does not entitle you to any incentives or cash back.
- The consumer is unable to earn incentives for purchases made in any retailer.
- In general, the Tractor Supply credit card does not provide as many rewards as other similar goods.
Is it a Good Idea to Use the Tractor Supply Credit Card as a Loan Card?
Using the Tractor Supply Personal Credit Card’s lending options can be advantageous for major purchases that are paid off over time.
The latter two promos — 36 and 48 months — can save you money, especially if you can’t afford to pay off the card’s debt in full in the weeks after your initial purchase.
An interest rate of 3.99 percent is much lower than the rate on personal loans, which typically begins at 7.89 percent APR.
Furthermore, if you are searching for a 12- to 15-month loan, you should explore beyond the Tractor Supply card.
There are credit cards available that provide 0% interest for 12-15 months.
Furthermore, you will not be confined to Tractor Supply with these cards.
These cards give you more options. A selection of alternative credit cards with zero percent interest rates for at least one year is provided below.
What is Tractor supply credit card’s services?
Order information
- Order status and tracking
- Cancellations
- Billing and payment information
Delivery and Pickup Details
- Delivery options
- Pickup of Pedestrians
- Shipping details.
Dispatch & Warranties
- Begin the return journey.
- Refund policies.
- Warranty Plus Power
Life out here
- Poultry care and information
- A hardware store.
- Land, lawn, and house
Neighbor’s Club
- The story.
- Frequently asked questions
Personal Credit Card from TSC
- In the title.
- Special Offers
- Financial options
Why should you use Tractor supply credit card?
- It is convenient to use a banking app on your phone. The service is available at all times and from any location.
- Phone safety is also pretty high, thanks to modern phones’ highly successful security mechanisms. You’ll save time and money on gas because you won’t have to travel to the bank to use the service.
- The phone’s browser and other online functions have all been totally upgraded. More information
Where can I use my Tractor Supply Credit Card?
The Tractor Supply Credit Card is ideal for Tractor Supply customers who shop frequently.
There are about 1,700 stores in the United States. The card provides a 5% discount on purchases that surpass $1,599. Depending on the purchase volume, this reduction can amount to hundreds of dollars in savings.
How Long Does it Take to Get a Tractor Supply Credit Card?
The Tractor Supply Personal Credit Card can be applied for online. If you are authorized, you should receive your credit card in the mail within a few weeks, if not sooner, just like any other credit card.
How to Get Cash From a Tractor Supply Credit Card
Credit cards frequently provide cash advances. This is where you can withdraw cash from the card’s credit limit. The issue is that the payback interest rate on a cash advance can be extremely expensive, exceeding 20% in some situations. The interest rate levied on the card if you take out a cash advance is revealed in the credit card agreement, which you should see throughout the card application process.
How to Close my Tractor Supply Credit Card
Simply call the credit card company and request that the account be closed.
You should also request a written letter from the credit card company confirming that the card was cancelled with a zero balance.
Closing a credit card will temporarily lower your credit score, but the main issue is that it may increase your utilization ratio, which can also lower your credit score.
This is especially problematic if you have outstanding amounts on other credit cards.
Closing even one credit card with a zero amount affects your overall available credit limit across all of your credit cards.
If you have no outstanding balances on any of your credit cards, you do not need to be concerned about the utilization ratio.
Should You Get the Tractor Supply Credit Card?
The Tractor Supply Credit Card can be a money-saving tool for Tractor Supply customers, especially those who spend thousands of dollars every year at the store.
There are, however, a number of different credit cards that provide greater interest rate promotions and cash back incentives, which can result in even more savings.
Furthermore, if you are about to make a large purchase at Tractor Supply, you may be better off using your current credit card (i.e. a non Tractor Supply credit card) and then transferring the debt to a new credit card that has a 0 percent interest rate for 12 or 18 months.
The perks of the Tractor Supply credit card are mostly limited to that one store. The other credit cards discussed in this post provide benefits across all transactions made with the card, whether it’s cash back or bonus rewards points on specific purchases like groceries or gas.
What are the relevant APRs for Tractor Supply credit card?
According to the Federal Reserve Board, the average regular APR for all credit cards is 15% and 17% for accounts with a balance. The normal APR on this card is greater than the average.
The variable purchase APR on the Tractor Supply Company Credit Card is 25.99 percent.
What are the Tractor Supply credit card fees?
The following fees are applicable:
| Tractor Supply credit card Fees | |
| Fees | Amount |
| Annual Fee | $0 |
| Late Payment Fee | up to $40 |
This card has no annual fee, making it an excellent choice for consumers seeking for a low-cost card.
How do people rate the customer service and user experience of Tractor Supply credit card?
Based on community ratings that rate customer service and user experience, the Tractor Supply credit card is strongly discouraged.
Does Tractor Supply Company Credit Card report your account activity to credit bureaus?
Tractor Supply Company Credit Card does report your account activity to the following credit bureaus:
- Equifax
- Experian
- Transunion
Making on-time payments to a creditor who reports to one or more credit bureaus demonstrates financial responsibility and may help enhance your credit.
Tractor Supply Credit Card Customer Service
Tractor Supply credit card customer support can be reached at 1-866-668-3706. Tractor Supply and Citi Bank both offer customer service.
You can reach Tractor Supply credit services at 1 800 263 0691 or Citi Bank at 1 866 668 3706. You can also contact Tractor Supply Company by letter at Tractor Supply Company, Attn: Online Customer Service, 200 Powell Place, Brentwood, TN 37027.
FAQs
Credit Score Needed For Tractor Supply Card?
A minimum credit score of 640 is required for the Tractor Supply Company® Credit Card. That implies you’ll need fair or better credit to be approved.
Tractor Supply Credit Card Approval Odds?
A minimum credit score of 640 is required for the Tractor Supply Company® Credit Card. That implies you’ll need fair or better credit to be approved.
Can A Tractor Supply Credit Card Be Used Anywhere?
No, your Tractor Supply Company® Credit Card cannot be used elsewhere. This card is only valid at Tractor Supply. This is a shop card, which means it is not supported by any major credit card network and may only be used at connected locations.
Can you pay Tractor Supply Credit Card in the Store?
Unfortunately, Tractor Supply does not presently accept credit cards in its stores. We will explain how to pay your credit card in this section. Phone: 800-263-0691. Fax: 877-718-6750
Is it hard to get a tractor supply card?
A minimum credit score of 640 is required for the Tractor Supply Company® Credit Card. That implies you’ll need fair or better credit to be approved.
Can I use my Tractor Supply credit card at Walmart?
No, your Tractor Supply Company® Credit Card cannot be used elsewhere. This card is only valid at Tractor Supply. This is a shop card, which means it is not supported by any major credit card network and may only be used at connected locations.
Can you get cash back with Tractor Supply credit card?
Tractor Supply offers cash back to consumers who pay with a debit or credit card at their stores.
How do I pay my Tractor Supply Bill?
Customer Service – Assistance & Phone Payment
- The Tractor Supply consumer credit card phone number: 1-800-263-0691.
- The Tractor Supply business credit card phone number: 1-800-559-8232.
How do I check the status of my Tractor Supply credit card?
No company provides, reviews, or endorses editorial or user-generated content.
You can check the progress of your Tractor Supply Credit Card application by calling (888) 201-4523.
Even if they turn you down, there is still hope.
Please call (800) 695-5171 to request a reassessment.
Conclusion
Tractor Supply guarantees its clients at least a 25-day grace period on purchases. You will not be charged interest if you pay the full amount due or the new balance on your current month’s bill by the due date.
You must pay at least the minimum amount due by the due date on your billing statement to avoid late fines. The standard late fee is $27. However, if you have another late payment within the next six billing cycles, the cost will escalate to $38.
