Citi
TSC® Visa® Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Bonus Reward for new cardholders |
| Rewards Rate | 1%-5% in Rewards on purchases |
| Intro APR | 6 Months Financing $199 & Up; 12 Months Financing $399 & Up; 36 Months - 3.99% APR Financing $1599 & Up |
| Regular APR | As of December 16, 2025, Purchase APR: variable 25.66% - 32.49%. Minimum interest charge: $2.00. |
| Other Fees | Minimum interest charge: $2.00 |
| Network | Visa |
About this card
The TSC Visa card presents a mixed bag. Its strengths lie in the absence of an annual fee and the rewards program tailored for Tractor Supply shoppers, particularly the 5% back on TSC purchases and 3% on gas, groceries, and veterinary services. The intro APR offers can also be attractive for large purchases. However, the extremely high regular APR (25.66% - 32.49%) is a major drawback, making it a risky card for carrying a balance. The rewards, while decent for specific categories, are less competitive for general spending. Reputation-wise, the card is well-regarded within its niche, backed by Citi's reliability. Considering these factors, a 2.9 rating reflects a 'Fair' card with notable limitations. It is best suited for disciplined Tractor Supply customers who can avoid interest charges.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
- Cashback on purchases
Things to consider
- High regular APR
What this card offers
Sign-up bonuses
- Earn a Bonus Reward - new cardholders (with Qualifying Tractor Supply Purchase)
Rewards
- 5% in Rewards on Everyday Purchases
- 3% in Rewards at gas stations, grocery stores & on veterinary services
- 1% in Rewards on all other purchases
Other features
- Neighbor’s Club Level: Preferred Plus Neighbor
- Dedicated TSC Customer Service Phone Number
- Payments In-Store & Online
- 24/7 Account Access
- Support for existing cardmembers is available 24 hours a day, 7 days a week.
- 1-800-263-0691 For TTY: Use 711 or other Relay Service
- As a Cardmember, you earn rewards faster and you’re automatically a Preferred Plus Neighbor
Additional Notes
Subject to credit approval for qualifying purchases using a TSC Store Card or TSC Visa Card at Tractor Supply. 3.99% on purchases of $1,599 or more until balance is paid in full. Additional monthly payments may be required if you have other balances or late payments.