Citi · Visa
TSC® Visa® Card (Tractor Supply Co.)
No annual fee · 1x on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Gas | 3x | uncapped |
| Groceries | 3x | uncapped |
| Everything else | 1x | uncapped |
| Home improvement at Tractor Supply only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
See how it ranks: best gas cards · best groceries cards.
Non-cash perks
- Automatic upgrade to Neighbor's Club Preferred Plus status (highest loyalty tier)
- Usable anywhere Visa is accepted (unlike the closed-loop TSC Store Card)
- Visa cardholder protections: zero fraud liability, roadside dispatch, auto rental collision damage waiver, emergency card replacement
- Special financing: 6 months on purchases $199+, 12 months on $399+, 36 months at 3.99% APR on $1,599+ (deferred/promotional interest)
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Citi
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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 →
Verified 2026-09-03 against issuer terms · sources: www.tractorsupply.com · www.citi.com · www.citi.com. Spot an error? Tell us.