A credit score is a numerical expression that lenders use to evaluate an individual’s creditworthiness. It is based on an individual’s credit history, which is a record of a borrower’s past borrowing and repayment activity.
There are many different types of credit scores, but the most common one is the FICO score. This score ranges from 300 to 850, and the higher the score, the more likely a borrower is to be approved for a loan or credit card.
So, what credit score is needed for a Tractor Supply credit card? The answer may surprise you. Tractor Supply does not publicly disclose what credit score is needed for their credit card. However, we can take a look at some other factors to get an idea of what they may be looking for.
Tractor Supply offers two different types of credit cards: the Tractor Supply Store Card and the Tractor Supply Platinum Rewards Visa Card. The Store Card can only be used at Tractor Supply stores, while the Platinum Rewards Visa Card can be used anywhere Visa is accepted.
The Tractor Supply Store Card has no annual fee and offers 0% financing for 6 months on purchases of $299 or more. The APR on this card is 26.99%. The Tractor Supply Platinum Rewards Visa Card has no annual fee and offers 5% back on all purchases made at Tractor Supply stores, 2% back on gas and grocery purchases, and 1% back on all other purchases. The APR on this card is 19.
Based on these facts, it seems that Tractor Supply is looking for borrowers with good to excellent credit scores. If you have a FICO score in the high 600s or above, you should have a good chance of being approved for either of these cards. Of course, there are other factors that lenders take into consideration when making lending decisions, so there is no guarantee that you will be approved if you have a high credit score.
What Credit Score Is Needed For A Tractor Supply Credit Card?
Based on our research, it seems that Tractor Supply requires good to excellent credit scores for their store card and rewards Visa card. If you have a FICO score in the high 600s or above, you should have a good chance of being approved.
Of course, there are other factors that lenders take into consideration when making lending decisions (such as employment history and income), so there is no guarantee that you will be approved even if you have an excellent credit score.
If you’re thinking about applying for a Tractor Supply credit card, we recommend checking your credit report and score beforehand to get an idea of your chances of being approved.
