Best Credit Card for Tractor Supply Co. in 2026
Tractor Supply Co. is classified under MCC 5251 (Hardware Stores). The best card for Tractor Supply Co. purchases is the Lowes (no annual fee), earning 5x on hardware stores — an effective return of 7.50%.
Tractor Supply Co., a hardware store, is covered under the category of Home Improvement cards that offer great rewards like 5x points.
Maximize your rewards by using the Home Depot credit card for big purchases like feed and supplies at Tractor Supply Co.
Spending Math
If you spend $200 per month at Tractor Supply Co. with a card offering 5x points, you'd earn $10 each month or $120 annually compared to just $24 on a standard 1% cashback card.
Tractor Supply Co. purchases are classified under MCC 5251 (Hardware Stores).
MCC Details for Tractor Supply Co.
Best Credit Cards for Tractor Supply Co. (2026)
How Tractor Supply Co. Codes on Your Statement
When you pay at Tractor Supply Co. at their locations, your card issuer sees MCC 5251 in the transaction data. This code tells your bank that the purchase was made at a hardware stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "hardware stores" purchases, Tractor Supply Co. transactions will qualify — even if your card terms only mention a category name and not Tractor Supply Co. specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Tractor Supply Co. transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5251 qualifies for bonus rewards.
Bonus Category Match — Tractor Supply Co.
About MCC 5251: Hardware Stores
Merchant Category Code 5251 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Hardware Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5251, all qualifying card programs that include hardware stores as a bonus category will apply the elevated earn rate.
The Retail industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Hardware Stores merchants: Ace Hardware, Ace Hardware Store, Do it Best.
What You Could Earn at Tractor Supply Co.
Spending $200/month at Tractor Supply Co. with the Lowes (5x on hardware stores) earns approximately $120/year in rewards. A basic 1% card earns $24 on the same spending. That is $96 more per year with no annual fee.
Prefer no annual fee? The Custom Cash earns 5x at Tractor Supply Co. merchants, earning $120/year with no annual fee.