TSC Visa Card Credit Card

TSC Visa Card

Last Updated: 02/25/2026

Rating
2.8 / 5
Sign Up Bonus
No Welcome Bonus
Annual Fee
$0
Credit Score
Fair

Summary

Sign-Up Bonus
0
Spending Multipliers
4
Credits & Features
0
Fees
4
Application
3.5
Issuer
5

The Citi TSC Visa Card from Citibank is a no-annual-fee credit card designed for Tractor Supply Company (TSC) customers who want flexibility to use their card beyond the store. Unlike the store-only version, this Visa card can be used anywhere Visa is accepted, making it ideal for frequent TSC shoppers who also want a general-purpose credit option. While it does not offer a welcome bonus and carries a 3% foreign transaction fee, the Citi TSC Visa card benefits customers looking for a simple, fee-free way to manage everyday spending while maintaining access to TSC purchases. This card is best suited for loyal TSC shoppers who value convenience, broad usability, and a no-annual-fee credit solution for both in-store and outside purchases.

Pros

Check mark
No annual fee

Cons

Negative sign
No welcome bonus
Negative sign
3% foreign transaction fee

Issuer

Citi, founded in 1812 as First National City Bank, boasts a rich history of banking innovations and global leadership. Operating in nearly 160 countries with a localized presence in 95, Citi offers a diverse range of financial products, including credit cards, checking accounts, loans, and wealth management. With a customer-centric approach, Citi targets various segments, from low-income earners to high-income professionals, emphasizing innovation to simplify financial goals. The bank, with $2.6 trillion in total assets and $168 billion in annual revenue in 2025, maintains financial stability. Citi's commitment to technology is evident in its longstanding focus on innovation labs and leveraging advancements. Philanthropy and corporate social responsibility are integral to Citi's ethos, with initiatives like the Citi Foundation promoting economic progress and supporting education. Citi operates about 670 branches in the US but prioritizes online banking. Upholding values of integrity and responsibility, Citi aims to be a trusted partner in providing responsible financial services. As an FDIC-insured institution, Citi aligns its actions with regulatory compliance.

Spending Multipliers

5%

Cash Back on Tractor Supply

3%

Cash Back on gas

3%

Cash Back on groceries

3%

Cash Back on veterinary services

1%

Cash Back on all purchases

Credits & Features

No know features

Application

  • Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
  • Number of hard pulls have a huge impact on Citi applications, consider having less than 6 hard pulls in the past 6 months

Fees

  • No Annual Fee
  • 3% Foreign Transaction Fee
  • Up to $41 late fee
  • Up to $41 return payment fee
  • 32.49% Variable APR
  • 32.49% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
  • 32.49% APR for Balance Transfer
  • $10 or 5% of each transfer amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process