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Farming is a tough yet highly rewarding business. You can offer healthy choices for your community. You can also have a lot of high expenses that require a line of credit or a credit card to pay for them. Getting the best credit card for farmers increases your buying power, earns purchase rewards, and builds credit.

Best Credit Card for Farmers
A credit card for farmers can help you manage your expenses while still providing benefits. Photo by Tim Mossholder from Pexels

The Best Credit Card for Farmers Options for Consideration

Plum Card from American Express

You may currently use a line of credit or carry a credit card balance for purchases you can’t pay in full upfront. As a result, you pay interest on your balance. The Plum Card® from American Express gives you the opportunity to get a 1.5% early pay discount, with no cap on what you can earn back when you pay your balance before the billing cycle ends. Take up to 60 days to pay with no interest, when you pay your minimum due by the payment due date.

The annual fee for this card $0 for the first year, then $250 (See Rates & Fees). If the Plum Card can save you at least $250 in interest charges, it’s worth applying for.

Chase Ink Business Unlimited Credit Card

The information for the Ink Business Unlimited℠ Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

If you prefer flat-rate rewards, the Chase Ink Business Unlimited℠ Credit Card earns unlimited 1.5% back on all purchases. There is no annual fee. It’s also issued by Visa so it can be more widely accepted among smaller merchants. Your rewards can be redeemed for cash, travel, or gift card rewards.

Related: Best Business Credit Cards With No Annual Fee

Chase Ink Business Cash Credit Card

The information for the Ink Business Cash℠ Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

A few business credit cards also let you earn bonus points on gas purchases. The Chase Ink Business Cash℠ Credit Card awards 2% back on the first $25,000 combined spending at gas stations and restaurants. You also get 5% back on the first $25,000 combined at office supply stores and internet, phone and cable services. All non-bonus purchases earn 1% back. Points are redeemable for cash. travel, and gift cards.

Related: Best Gas Credit Cards

American Express Blue Business Cash Card

One of the best flat-rate business cash rewards credit card is the American Express Blue Business Cash™ Card. You get 2% back on the first $50,000 in annual purchases. All remaining purchases earn 1% back until your next card anniversary. Your rewards balance automatically redeems as a monthly cash statement credit.

This card doesn’t have an annual fee (See Rates & Fees). If you patronize enough businesses that accept American Express, this is a free way to earn 2% back instead of your credit cards standard 1% back.

Related: Amex Blue Business vs Chase Ink Cash

American Express Business Gold Card

Are you able to travel and take a vacation? If you fly to your destination, the American Express® Business Gold Card is one of your best options. You earn 4x points on the 2 select categories where your business spent the most each month (the 4x points apply to the first $150,000 in combined purchases annually, all other purchases earn 1x per $1 spent). Your bonus category options include:

  • Airfare purchased directly from airlines
  • Gas stations (U.S. purchases)
  • Shipping purchases (U.S. purchases)
  • Restaurants (U.S. purchases)
  • TV, radio, and online advertising (U.S. purchases)
  • Computer hardware, software, and cloud solutions technology provider (U.S. purchases)

This can be one of the best credit cards to maximize gas purchases. If you happen to advertise your product on local media or mail some of your finished goods to individual consumers, you can earn bonus points on the shipping charges and advertising purchases.

Your rewards points are most valuable when redeemed for award flights. Each point is worth 1 cent each when booking award flights on AmexTravel. You can get up 25% of your points back (up to 250,000 points per year) on one airline of choice. Another option is transferring your points to an airline partner at a 1:1 ratio to loyalty programs including Delta SkyMiles and British Airways.

Cardholders also have access to a Pay Over Time Option, which is a flexible payment option, with interest, to help manage cash flow on purchases of $100 or more (terms apply).

Few travel rewards credit cards make the list for being the best credit card for farmers. If you have several ways to market your farm to the community, this card caters to your entrepreneurial skills. The annual fee is $295 (See Rates & Fees).

Related: Best Credit Cards for Advertising Purchases

Capital One Spark Cash for Business

The information for the Capital One® Spark® Cash for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Do you want to earn unlimited 2% cash back? The Capital One® Spark® Cash for Business does just that. You get unlimited 2% back on all purchases year-round. The annual fee is $0 for the first year and $95 after that. This is a Visa Signature Credit Card with near-universal merchant acceptance.

New cardholders can earn a one-time $500 cash bonus once they spend $4,500 on purchases within 3 months from account opening. There are also free employee cards that also earn unlimited 2% cash back on all purchases.

Related: Capital One Spark Business Credit Card Review

AgriBuy Rewards Mastercard

The information for the AgriBuy® Rewards Mastercard® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Current Farm Credit Services of America may have an easier time qualifying for the AgriBuy® Rewards Mastercard®. Although, this card isn’t as rewarding as most cards on this list. This card is linked to your Farm Credit Services line of credit so your interest rate is lower than a credit card’s regular purchase APR. Your card purchases earn 1% back that deposit into your account each November.

Tractor Supply Credit Card

The information for the Tractor Supply Credit Cards has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

If you frequent Tractor Supply, you may consider getting their personal or business credit card.

The Tractor Supply personal card, the TSC Personal Credit Card Rewards,  gives you 5% back in Neighbor’s Rewards or special financing for 6 and 12-month repayment terms. You can also get an extra $20 cash reward when your application is approved.

The Tractor Supply business credit card offers a dedicated line of credit. You may also qualify for special discounts and financing terms.

Casey’s Business Mastercard

The information for the Casey’s Business Matercard has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Do you fuel up at Casey’s General Stores? The Casey’s Business Mastercard lets you save up to $0.06 per gallon. Buying between 1 and 499 gallons per month shaves 1 cent off the fuel price. To earn the full gas rebate, you will need to purchase at least 10,000 gallons of unleaded and diesel per month. This card also works at any other gas station accepting Mastercard.

Fleet Rewards Visa Credit Card

The information for the Fleet Rewards Visa Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Get up to 4x points per $1 on Fleet Farm purchases with the Fleet Rewards Visa Credit Card. You earn 1 point per $1 on all non-Fleet Farm purchases. Once your rewards balance reaches 2,500 points, you can redeem it for a $25 Fleet Farm store credit.

Being a cardholder also lets you qualify for special discounts and financing terms.

Summary of the Best Credit Card for Farmers

There isn’t a one-size-fits-all best credit card for farmers. It depends on where you live and what purchase you want to earn bonus rewards. No matter which card you choose, on-time payments help build your business credit score which boosts your spending power in more ways than one.

For rates and fees of The Plum Card® from American Express, please click here.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

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Josh Patoka
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