Tractor Supply Credit Card: Think Twice Before You Click “Apply”
While Tractor Supply’s store-brand credit card may save you money in some situations, there are better options available from other credit card issuers if you’re looking for a credit card with a robust cash-back or rewards program. Many large retailers have store-branded credit cards.
Tractor Supply Credit Card – Everything You Need to Know
With over 1,700 retail locations nationwide, Tractor Supply has established itself as a major player in the home improvement industry. The store sells a variety of high-ticket items, such as lawn mowers and furnaces, so spending a few thousand dollars at Tractor Supply isn’t out of the question.
What You Need to Know Before You Apply for the Tractor Supply Credit Card
The Tractor Supply Personal Credit Card offers a variety of money-saving promotions, including no interest on balances of $199 or more if paid in full within 6 months, and an annual percentage rate of just over 28% as of late 2018.
Is it a Good Idea to Use the Tractor Supply Credit Card as a Loan Card?
There are other cards that offer zero percent interest rates for 12-15 months and are often better value for money than the Tractor Supply Personal Credit Card, which has a 3.99% interest rate compared to personal loans’ 7.89% APR. These cards give you more flexibility and are often better value for money.
Which Credit Cards Do a Better Job Than the Tractor Supply Credit Card
The Capital One Quicksilver Cash Rewards Card offers 1.5% cash back on all purchases and a $150 cash bonus if you spend $500 in the first three months. This card is especially useful for spending at supermarkets and on gasoline. The Citi Double Cash Card offers 2% cash back on all purchases. The HSBC Gold Mastercard Credit Card offers a 0% APR on purchases.
Where can I use my Tractor Supply Credit Card?
The Tractor Supply Credit Card offers a 5% discount on purchases over $1,599. Depending on the purchase amount, this discount can amount to hundreds of dollars in savings. There are over 1,700 Tractor Supply stores across the country, with locations in 14 states.
How Long Does it Take to Get a Tractor Supply Credit Card?
You can apply for the Tractor Supply Personal Credit Card online, and once approved, you should receive your card in the mail within a few weeks, just like any other credit card.
How to Get Cash From a Tractor Supply Credit Card
Cash advances are when you use a credit card’s credit limit to get cash; the payback interest rate on a cash advance can be very high; over 20% in some cases; the interest rate charged on the card is disclosed in the credit card agreement.
How to Close my Tractor Supply Credit Card
Closing a credit card, even if it has no balance, reduces your total available credit limit across all of your credit cards, which can result in a higher utilization ratio, which is not good for your credit scores.
Bottom Line: Should You Get the Tractor Supply Credit Card?
The Tractor Supply Credit Card can be a money-saving tool for frequent shoppers, but there are other credit cards that offer better interest rate promotions and cash back offers, so you might be better off using your current credit card if you’re about to make a large purchase.
What credit score do you need for Tractor Supply?
If you have fair credit (or above), the Tractor Supply Credit Card is a great option. Their APR is quite high (above 20%), so we recommend a credit score of at least 630. If you’re not sure what your credit score is, apply for a report here.
What credit bureau does Tractor Supply pull from?
Tractor Supply Company Credit Card does report account activity to credit bureaus. Equifax and Experian are two of the credit reporting agencies that Tractor Supply Company Credit Card reports to.
Does Tractor Supply give credit?
With credit approval for Tractor Supply Personal Credit Card purchases of $1,599 or more, 3.99% APR for 36 payments until balance is paid in full; additional monthly payments are required for this promotion.
Do you need a membership to shop at Tractor Supply?
Non-members can join Neighbor’s Club for free by signing up in-store, online, or through the Tractor Supply mobile app, and members can check their member level and point balance by signing in online or through the Tractor Supply mobile app.
Who does Tractor Supply use for financing?
“Citi Retail Services has been a true partner to Tractor Supply for more than 20 years, providing innovative credit programs and supporting company-wide growth,” said Kurt Barton, Chief Financial Officer of Tractor Supply.
What credit score do you need for Lowes card?
Because the Lowe’s Advantage Card is a retail card, it may be easier to qualify for than a traditional credit card; however, a good-to-excellent credit score of at least 670 will give you the best chances of qualifying.
How long is a tractor supply credit card good for?
This means that for the first 15 months, you will not be charged any interest on any balances left on the card; after that, you will be charged the interest rate, which is determined by how good or bad your credit score is.
Does Tractor Supply do cash back at register?
Tractor Supply makes shopping and returning simple. Most online purchases can be completed online, or you can return to the store if it’s more convenient for you. For store purchases, the cash register receipt serves as proof of purchase for items purchased at your local Tractor Supply store.
Does Tractor Supply offer senior discounts?
Customers who are 55 years of age or older receive a 10% discount off regularly priced items as long as the item is in stock every time they shop at Tractor Supply Co. Rather than offering a single day discount program, customers who are 55 years of age or older receive a 10% discount off regularly priced items as long as the item is in stock every time they shop at Tractor Supply Co. There are a few exclusions to your discount.
How do I pay my Tractor Supply Bill?
Set up a payment account that will be associated with your credit card. The Tractor Supply consumer credit card phone number is 1-800-263-0691.
How much is it to rent a Tractor Supply trailer?
What does it cost to rent a trailer from Tractor Supply? | Trailer Rental Rates: 14.99 half-day (4 hours) 24.99 full-day (8 hours)
How much are Tractor Supply points worth?
Membership in Neighbor’s Club is required to earn TSC Personal Credit Card Rewards of 5 points for every $1 spent (i.e. 5% Back). Rewards are not earned on promotional credit purchases, and other exclusions apply.
What does Tractor Supply do?
Tractor Supply Company (also known as TSC) owns and operates over 1,900 stores in 49 states, supplying basic maintenance products to home, land, pet, and animal owners. Tractor Supply Company (also known as TSC) was founded in 1938 as a mail order tractor parts business.