TSC Visa Card
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The TSC Visa Card from Citi earns up to 3% effective value on grocery in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Grocery
- Effective value
- 3%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 3x points.
What does the TSC Visa Card earn in each category?
Grocery is the strongest category at 3% effective value (3x points at about 1 cents each). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how TSC Visa Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries at.
Grocery is the strongest category at 3% effective value (3x points at about 1 cents each). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how TSC Visa Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 3x points | 3% Top category |
| Gas Gas stations and fuel | 3x points | 3% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Tractor Supply Co. at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the TSC Visa Card reward caps and conditions?
The TSC Visa Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3% in rewards at gas stations
- 3% in rewards at grocery stores
Who should get the TSC Visa Card?
The TSC Visa Card fits spenders who put meaningful volume in grocery and can earn 3x points. Best for spenders who put meaningful volume in grocery and can earn 3x points.
TSC Visa Card fits spenders who put meaningful volume in grocery and can earn 3x points. Madeen ranks its grocery effective rate higher than about 97% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 3x points.
Foreign transaction fees make it weaker for international spend.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 3% effective (3x points).
- That grocery rate ranks higher than about 97% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Tractor Supply Co. value depends on how you redeem, not straight cash back.
Does the TSC Visa Card have an annual fee?
The TSC Visa Card has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the TSC Visa Card?
The TSC Visa Card includes 12 Months Special Financing, 36 Months - 3.99% APR Financing, 6 Months Special Financing in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
12 Months Special Financing
$499/yrOn Purchases $399 & Up
6 Months Special Financing
$240/yrOn Purchases $199 & Up
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Fulll-day trailer rentals
$25/yr2 per quarter, based upon availability.
36 Months - 3.99% APR Financing
On Purchases $1599 & Up
Free everyday standard shipping
On eligible Tractor Supply purchases ($29 minimum spend).
Free same-day delivery
2 per quarter, on eligible Tractor Supply purchases. Limit one Same Day Delivery certificate with $25 maximum value per transaction.
New Cardholder Reward Offer
New cardholder earn a $50 reward with qualifying purchase of $50+
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Related encyclopedia topics
Common questions about the TSC Visa Card
Where do cardholders spend most with the TSC Visa Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (3x), medical veterinary services (3x), gas (3x) for the TSC Visa Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the TSC credit card worth it?
The TSC Visa Card from Citi earns up to 3% effective value on grocery in Madeen's catalog snapshot. It has no annual fee.
What credit score is needed for a TSC card?
Madeen's catalog lists a typical credit range of Good for the TSC Visa Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the TSC Visa Card have an annual fee?
The TSC Visa Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the TSC Visa Card?
Grocery is the strongest Madeen category for the TSC Visa Card at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the TSC Visa Card charge foreign transaction fees?
The TSC Visa Card charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
How does the TSC Visa Card compare to similar cards?
Compare the TSC Visa Card against Citi Dividend (5% on Grocery, $0 fee); AllModern Mastercard (3% on Grocery, $0 fee); American Airlines AAdvantage MileUp Mastercard (3% on Grocery, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
TSC Visa Card This card | Grocery | 3% | $0 |
Citi | Grocery | 5% | $0 |
| Grocery | 3% | $0 | |
| Grocery | 3% | $0 | |
| Grocery | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure