Best credit card for Tractor Supply
Tractor Supply's own Citi Visa has a rate that applies at Tractor Supply. It also pays bonus rates on gas and groceries, which makes it more of an everyday card than most store cards.
Only 2 cards in our database pay a bonus that applies at Tractor Supply — TSC® Store Card (Tractor Supply Co.) at 5.0¢ per dollar. Everything else earns its base rate, where Capital One Venture Business leads at 2.6¢.
Updated 2026-09-16
Cards with a bonus that applies at Tractor Supply
Ranked by real value — the printed rate multiplied by our conservative value for the currency it pays, so a big multiplier in a weak currency can't win on the number alone. The "what the rate covers" column is the issuer's own printed wording, because that is what decides whether the bonus reaches this merchant at all.
| # | Card | Value | Rate | What the rate covers | Cap | Fee |
|---|---|---|---|---|---|---|
| 1 | TSC® Store Card (Tractor Supply Co.) Citi · store card, this retailer only |
5.0¢/$ | 5x | Tractor Supply only: 5 points per $1 (5% back) on eligible Tractor Supply purchases in-store, online and on the… | uncapped | $0 |
| 2 | TSC® Visa® Card (Tractor Supply Co.) Citi |
5.0¢/$ | 5x | Tractor Supply only: 5% back on eligible Tractor Supply purchases in-store, online and in-app; not other… | uncapped | $0 |
The best flat-rate cards for Tractor Supply
General-purpose cards ranked by the real value of the rate they pay on everything — what Tractor Supply earns when no bonus category applies. Store cards and single-retailer cobrands are excluded here: rewards you can only spend at one chain can't answer "what should the rest of my spending go on?"
| # | Card | Base value | Base rate | Fee |
|---|---|---|---|---|
| 1 | Capital One Venture Business Capital One · business |
2.6¢/$ | 2x | $95 |
| 2 | Capital One Venture Rewards Capital One |
2.6¢/$ | 2x | $95 |
| 3 | Capital One Venture X Business Capital One · business |
2.6¢/$ | 2x | $395 |
| 4 | Capital One Venture X Capital One |
2.6¢/$ | 2x | $395 |
| 5 | Citi Double Cash® Card Citi |
2.0¢/$ | 2% | $0 |
| 6 | U.S. Bank Smartly Visa Signature Card U.S. Bank |
2.0¢/$ | 2% | $0 |
| 7 | Fidelity Rewards Visa Signature Elan Financial Services |
2.0¢/$ | 2% | $0 |
| 8 | Wells Fargo Active Cash Wells Fargo |
2.0¢/$ | 2% | $0 |
| 9 | Apple Card Goldman Sachs |
2.0¢/$ | 2% | $0 |
| 10 | Capital One Spark Cash (Spark 2% Cash) Capital One · business |
2.0¢/$ | 2% | $95 |
A store rate plus everyday categories
The TSC Visa's best rate applies to eligible Tractor Supply purchases in store and online. Unlike many store cards it also carries gas and grocery bonuses, subject to how merchants are classified. There is also a Tractor Supply store card that only works at Tractor Supply.
When a general card is enough
If Tractor Supply is an occasional stop, a flat-rate card earns nearly as much on those purchases and more on everything else. The tables above let you compare the two directly.
The honest caveat
Merchant coding is set by the payment networks, not by us: a store can change how it codes, a franchise can code differently from a corporate location, and an issuer can revise its exclusions without announcing it. Everything above comes from the printed terms in our maintained database, valued at our conservative point values — but the only way to know what a specific card pays on your charges is to score them. That is exactly what the optimizer does.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
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