Tractor Supply credit card is another store credit card issued by Citi Bank. This credit does not offer rewards for purchases but offers promotional financing to customers.
Despite not offering rewards on purchases, it is one of the worth store card you need to have in your wallet. As mentioned in the article, the TSC Credit card is regarded as a store credit card. Not only that, this credit card comes with a staggering APR and zero annual fee.
As a store card, it does not link to major payment networks like MasterCard or Visa. Therefore, due to this reason, you will not be able to use Tractor Supply Credit Card elsewhere than tractor supply stores. In addition to that, the credit score needed is acceptable.
With over 1,700 retail stores nationwide, Tractor Supply has emerged as a power player in the home improvement space.
Tractor supply store sells plenty of big-ticket items, such as lawn care equipment and furnaces, racking up a few thousand dollars in expenditures at Tractor Supply are not so far-fetched.
It was mentioned in the article, Tractor Supply Card does not offer rewards on purchases, rather it offers two kinds of financing options. There are called major purchase plans and deferred interest.
Major purchase plans provide you with very low APR plans for certain periods while purchases with deferred interest allow you to pay no interest for those purchases at all.
Therefore, deferred interest allows you to make purchases with a repayment period from 6 to 36 months with no interest.
Yet, there are certain aspects you should keep in mind, not all purchases can qualify. Take, for example, you need to make a purchase of at least $199 for a 6-month deferred interest plan or $399 for a 12-month deferred interest plan.
You will have to pay the actual interest rate on the entire sum if you miss at least one payment or will not pay it off on time.
TSC Credit Card Key Features
This part of the article will run through the key features of using a Tractor Supply Credit card. Keep reading as you explore these features.
No Annual Fee, this is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don’t have to pay an annual fee for the privilege.
High APRs, this is not a great card for people who carry a balance. It has a variable purchase APR of 25.99%
Fair or better credit required, you will have good approval if your credit score is above650.
Pros of Tractor Supply Card
This part of the article will quickly highlight the pros of using the store credit card. Here we go:
====> No annual fee, you don’t need to worry about the annual payment fee. It is a zero fees annual store credit card.
====> Tractor Supply Company Credit Card reports to multiple credit bureaus.
====> Tractor supply Credit Card offers a special financing option
Cons of TSC Credit Card
====> This credit card does not offer sign up bonus
====> Higher than average purchase APRs
====> TSC Credit Card does not offer rewards on purchases and cash back
====> Does not include any credit card benefits.
====> Tractor Supply Card does not offer reward
Tractor Supply Credit Card Rate and Fees
48-month MPP: 13.99%.
48-month MPP: 3.99% APR
48-month MPP: 4.99% APR
48-month MPP: 5.99% APR
36-month MPP: 3.99% APR
36-month MPP: 4.99% APR
24-month MPP (major purchase plan): 13.99% APR
Annual fee: $ 0
Late Payment Fee: Up to $ 40
How to Apply for Tractor Supply Credit Card
The application process will only take less than 10 minutes. Upon your application, you will enjoy a promotional financing offer through Tractor Sully Card. Here are the steps to complete your online application process.
Step 1 ====> You need to visit the official application page via the Citi bank website
Step 2 ====> On the application page, locate and click on the apply now button at the centre of the page
Step 3 ====> After that, you need to read through the warning message that says you are leaving the website. Don’t worry, click on the CONTINUE button.
Step 4 ====> On the next page, you are select which of the credit card you wanted to apply for, personal or business. At that point, click on the respective button there.
Step 5 ====> After that, you will see the application form. Now fill the application form with the required information.
Provide your name, email address, physical address, phone number, financial information, social security number, and date of birth in the appropriate fields.
Step 6 ====> Now scroll to the base of the page to carefully read through the terms and conditions.
Step 7 ====> After reading these terms, you would like to proceed, you should firstly select the boxes near I have and I agree. In the end, you should click on the SUBMIT APPLICATION button, placed at the bottom of the page.
Step 8 ====> Next, you will get to see that your application has been submitted. Also, you are likely to see the result of your application right away.
TSC Credit Card Login Process
You have just completed the application process, now if you have gotten your Tractor Supply Credit Card, you need to log in to the online account.
This part of the article will run through the login process, seat back and learn the login guide.
Step 1 ====> You need to visit the official login page via the Citi Bank website as well
Step 2 ====> On that webpage, you will get to see the Tractor Supply credit card login form, placed on the left. Now enter your login details (username and password) in the field provided.
Step 3 ====> Then, check the box near Remember My User ID (optional) in order to save your username for future sessions. Check the box if you are using your personal computer
Step 4 ====> Finally here, click on the login button to access your online account.
How to Close my Tractor Supply Credit Card
Simply call the credit card company and ask them to close the account. You may also want to ask for a letter in writing where the credit card company acknowledges that the card was closed with a zero balance.
Closing a credit card can cause a temporary ding to your credit score, but the bigger issue is, it may raise your utilization ratio, which could also ding your credit score.
This is especially an issue if you owe balances on other credit cards. Closing just one credit card, even if it has a zero balance, reduces the total available credit limit you have across all of your credit cards.
This can result in a higher utilization ratio, which is not good for your credit score. If you do not owe balances on any of your credit cards, you do not have to worry about the utilization ratio.
How Do I Pay My Tractor Supply Credit Card?
You can pay your bill via a Tractor supply card on various methods. This part of the article will take them one after the other. Tractor Supply currently doesn’t allow paying credit cards in its stores.
Online Payment Method
One of the leading methods to pay bills on a Tractor Supply Credit Card is through the online payment process. This process is an active and effective means of payment process.
The online payment could be done through Citi Bank online service. To make your Tractor Supply Company credit card payment online, follow the steps here
Step 1 ====> You need to login to your online account as explained above
Step 2 ====> Through the dashboard, locate payment and click on it
Step 3 ====> Now follow the on-screen steps to pay your bill
You can also view your statement or manage your account online. The Tractor Supply credit card is issued by Citibank.
Mail Payment Method
You can make a payment on your credit card by mail. For business credit cards, you should send payment to the following address:
Tractor Supply Credit Plan Payments
P.O. Box 78004
Phoenix, AZ 85062-8004.
For personal credit cards, you should send payments to the following address:
Tractor Supply Credit Card Payments
PO Box 9001006
Louisville, KY 40290-1006.
Phone Payment Method
The Tractor Supply Company credit card payment phone number is 1 866 668 3706
Tractor Supply Credit Card Customer Service
The Tractor Supply credit card customer service number is 1-866-668-3706. Customer support is both provided by Tractor Supply and Citi Bank.
You can call 1 800 263 0691 for Tractor Supply credit services or 1 866 668 3706 for Citi Bank. You can also send an email to email@example.com, or send mail to Tractor Supply Company, Attn: Online Customer Service, 200 Powell Place, Brentwood, TN 37027.
Tractor Supply Card FAQ
What are the Tractor Supply Card Benefits?
Tractor Supply credit card offers these benefit to the users: zero fraud liability and reports to major credit bureaus
Does Tractor Supply Credit Card have an Intro APR offer on Balance Transfers?
No, it does not come with an intro APR offer for balance transfers. You don’t need to worry about Intro APR
How Long does it Take to Get a Tractor Supply Credit Card?
You can apply for the Tractor Supply Personal Credit Card online. Once you are approved, just like any other credit card, you should receive your credit card via mail within a few weeks, if not sooner.
Does Tractor Supply Credit Card have cash back or rewards program?
No, it does not offer a rewards program. We have explained this in the body of the article above
What are the Relevant APRs for Tractor Supply Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs. It has a variable purchase APR of 25.99%.
How do People Rate the Customer Service and User Experience of Tractor Supply Card?
Overall, Tractor Supply credit card is strongly not recommended based on community reviews that rate customer service and user experience. This credit card is a store credit card that can only be used in Tractor Supply stores across the nation
Where can I use my Tractor Supply Card?
The Tractor Supply Credit Card is best for those who shop frequently at Tractor Supply locations. There are over 1700 stores nationwide.
The card offers a 5% discount on purchases that exceed $1599. This discount can amount to savings worth hundreds of dollars depending on the purchase amount.
Does TSC Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.
What is the Customer Service Phone Number for Tractor Supply Card?
The Tractor Supply credit card customer service number is listed under customer service in the main article. Different function with various phone numbers
Does Tractor Supply Company Report your Account Activity to Credit Bureaus?
Yes, Tractor Supply Company reports your account activity to the following credit reporting agencies: Equifax, Transunion and Experian
How to Get Cash from a TSC Credit Card
Tractor Supply Cards tend to offer cash advances. This is where you can tap into the card’s credit limit and receive cash for it.
The problem is, the payback interest rate on a cash advance can be very high, which is over 20% in certain cases.
In the credit card agreement, which you should see during the card application process, the interest rate that is charged on the card should you wish to take out a cash advance is disclosed.