Best credit card to use at Tractor Supply Co.
Tractor Supply Co is the largest rural lifestyle retailer in the United States, operating more than 2,200 stores stocked with livestock feed, fencing, riding mowers, workwear, and pet supplies. Card networks sometimes code Tractor Supply as a farm supply merchant rather than a home improvement store, which can keep it out of the Home Depot and Lowe's bonus on cards like the Wells Fargo Bilt.
Picks without a tag earn at Tractor Supply Co both in-store and online. Watch for theOnline onlytag — those bonuses only apply on tractorsupply.com.
- #1Citi Custom Cashif it’s your top categoryCiti5% on home improvement if it's your top eligible spend category that cycle (up to $500/month, then 1%)Automatically on your top eligible spend category each billing cycle5%
- #2Discover it Cash Backthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #3Discover it for Studentsthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #4NHL Discover itthis quarterDiscover5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.Activation required each quarter5%
- #55.0%5x points
- #6Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #73.0%3x points
- #8Hilton Honors American Express SurpassOnline onlyAmerican Express4x points on online shoppingU.S. online retail purchases2.0%4x points
- #93%
- #102%
- #112%
- #12First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #13Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #14American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #152%
- #162%
- #172%
The Tractor Supply Neighbor's Club loyalty program is one of the best in retail, layering points-based rewards on top of credit card cash back. Cards with rotating online shopping quarters, including Chase Freedom Flex and Discover it, occasionally bump tractorsupply.com orders to 5 percent for the quarter.
Last updated May 17, 2026