The Citi is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 32.74% variable (Prime + 25.74%; disclosures as of 9/22/2026). Approval typically requires a credit score of fair credit score or higher. Signup bonus: Bonus Reward for new cardholders with a qualifying Tractor Supply purchase. Rewards: 5% in Rewards (5 points per dollar) on eligible Tractor Supply purchases; 3% in Rewards on eligible gas station, grocery store and veterinary service purchases; 1% in Rewards on all other purchases. Cash back: 5% on qualifying Tractor Supply purchases, 3% at gas stations, grocery stores & on veterinary services, 1% on all other purchases. Loan terms: Revolving personal credit card; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance (minus any excluded balance, plus any separately required payment on an excluded balance) is paid by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $2; Major Purchase Plans with a separate required payment included in the Minimum Payment Due. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family.. TSC Store Card for in-store purchases. Also available: TSC Visa Credit Card for anywhere Visa accepted. Issued by Citibank N.A.