This review is for the Tractor Supply Company Personal Credit Card by Citi. This card can only be used at Tractor Supply stores across the country, but it does offer special financing programs that make it a good card for certain individuals. Tractor Supply Company sells farm supplies, animal feed, tools, and of course, tractor parts, so the card is only beneficial for people with specific lifestyles.
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Tractor Supply Company Personal Credit Card by Citi Details
The Tractor Supply Company Personal Credit Card by Citi offers a variable annual percentage rate that ranges between 25.99% and 29.99%. However, your minimum finance charge cannot be lower than $2.99. There is no annual fee for the card.
The Tractor Supply Company Personal Credit Card by Citi offers a 25-day grace period where you can pay off your balance in full to avoid any interest charges. This can save you a lot of money especially considering the high APR with the card.
Tractor Supply Company Personal Credit Card by Citi Benefits
The Tractor Supply Company Personal Credit Card by Citi does offer special financing for major purchases. These are items that range in price from $999 or higher. The customer is offered the ability to pay off the balance with a reduced annual percentage rate of 13.99% over 48 months.
If the purchase is less than $999 but more than $499, you have 24 months to pay off the entire balance. Other benefits include:
- Receiving notice of special sales and promotions
- Sales events specifically for cardholders
- Ability to manage your account online
Tractor Supply Company Personal Credit Card by Citi Business Card
Tractor Supply Company also offers a business credit card. This card gives business customers:
- The ability to synchronize the card with purchase order numbers
- Get a line of credit that is specific to the business and card
- Itemized invoices each month
- The ability to have cards for non-profits such as government agencies and educational facilities
Tractor Supply Company Personal Credit Card by Citi Bottom Line
If your lifestyle calls for shopping at Tractor Supply Company, this can be a good card if it is managed properly. Find ways to manage your credit wisely with Suze Orman. Despite the high APR, the in store special and deferred financing can save you a lot of money in the long run depending on the types of purchases.
Use our credit card chaser to compare credit cards today.
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