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19 cards ranked

Best credit card to use at Tractor Supply Co.

Home ImprovementOnline Shopping

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.

  1. #1
    Wells Fargo Choice Privileges Select Mastercard
    Wells Fargo
    5x points on home improvement
    3.5%5x points
  2. #2
    Bank of America Cash Rewards Securedif you select it
    Bank of America
    3% on home improvement if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  3. #3
    Bank of America Customized Cash Rewardsif you select it
    Bank of America
    3% on home improvement if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  4. #4
    Blue Cash EverydayOnline only
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  5. #5
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  6. #6
    Wells Fargo Choice Privileges Mastercard
    Wells Fargo
    3x points on home improvement
    2.1%3x points
  7. #7
    Hilton Honors American Express SurpassOnline only
    American Express
    4x points on online shopping
    Eligible U.S. online retail purchases
    2.0%4x points
  8. #8
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  9. #9
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  10. #10
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
    2%
  11. #11
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  12. #12
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  13. #13
    Ink Business Premier
    Chase
    2% flat-rate cashback
    2.5% on purchases of $5,000 or more per transaction
    2%
  14. #14
    Intuit Business
    WebBank
    2% flat-rate cashback
    2%
  15. #15
    Navy Federal cashRewards Plus
    Navy Federal
    2% flat-rate cashback
    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
  16. #16
    PNC Cash Unlimited
    PNC
    2% flat-rate cashback
    2%
  17. #17
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  18. #18
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  19. #19
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

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.

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Last updated July 28, 2026

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