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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 cards for farmers increases your buying power, earns purchase rewards, and builds credit.

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The Best Credit Cards for Farmers

We want to help you find the best card that will work for you. A good fit will be a card that earns more rewards on purchases you make but also has redemption options that you can use. For example, you may prefer earning cash back over travel rewards.

Here’s a preview of the best credit cards for farmers:

  • The Plum Card® from American Express
  • Ink Business Unlimited® Credit Card
  • Ink Business Cash® Credit Card
  • The American Express Blue Business Cash™ Card
  • American Express® Business Gold Card
  • Capital One Spark Cash for Business
  • AgriBuy® Rewards Mastercard®
  • Tractor Supply Credit Cards,
  • Casey’s Business Mastercard
  • Fleet Rewards Visa Credit Card

The 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 offers up to 60 days to pay with no interest‡ when you pay your minimum due by the Payment Due Date.

Plus, paying early pays off. Get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.

The annual fee is $250 and there are $0 foreign transaction fees‡ (See Rates & Fees).

If the Plum Card can save you at least $250 in interest charges, it’s worth going for.

Ink Business Unlimited Credit Card

If you prefer flat-rate rewards, the Chase Ink Business Unlimited® Credit Card earns unlimited 1.5% back on all purchases. It’s also issued by Visa, so it can be more widely accepted among smaller merchants.

Cardholders may redeem rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards® portal.

This is a no-annual-fee business card.

Employers can set individual spending limits for greater control and earn rewards faster with employee cards that come at no extra cost. Fraud protection is also included with the card as well as zero fraud liability. Cardholders won’t be held responsible for unauthorized charges made with their card or with their account information.

New Ink Business Unlimited® Credit Card cardholders can earn a $750 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening. 

Ink Business Cash Credit Card

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.

Additionally, cardholders may redeem rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards portal. Fraud protection is also included with the card as well as zero fraud liability. Cardholders won’t be held responsible for unauthorized charges made with their card or with their account information.

New Ink Business Cash® Credit Card cardholders can earn up to a $750 bonus cash back! Earn $350 after spending $3,000 on purchases in the first three months from account opening. Then, earn an additional $400 after spending $6,000 on purchases in the first six months after account opening.

This is one of the best credit cards for farmers. Plus, it has no annual fee.

Related: Best Gas Credit Cards

The American Express Blue Business Cash Card

One of the best flat-rate business cash rewards cards is The American Express Blue Business Cash™ Card.

Cardholders earn 2% cash back on all eligible purchases, up to $50,000 per calendar year. Then, 1% cash back is automatically credited to your statement.

It also comes with Expanded Buying Power which gives cardholders the ability to spend beyond their credit limit. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.

New The American Express Blue Business Cash™ Card cardholders can earn a $250 statement credit after they make $3,000 in purchases on their Card in their first 3 months.

Additionally, this card has a $0 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 the standard 1% back.

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).

Only the top two categories in each billing cycle will count towards the $150,000 cap. Categories include:

  • U.S. purchases at electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges that are made directly from a wireless telephone service provider in the U.S.
  • Transit purchases including trains, taxicabs, rideshares, ferries, tolls, parking, buses, and subways
  • Purchases at U.S. media providers for advertising in select media (online, TV, and radio)
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery

Additionally, American Express Travel purchases through amextravel.com will now earn 3x points per $1.

All annual spending above $150,000 for the bonus categories and all non-bonus spending earns an unlimited 1x point per $1.

Additional Perks

American Express Business Gold cardholders also have access to a Pay Over Time Option that lets cardholders decide whether they want to pay for their eligible purchases in full each month or pay over time with interest (terms apply). 

Few travel rewards cards make the list of the best cards for farmers. If you have several ways to market your farm to the community, this card caters to your entrepreneurial skills.

New American Express® Business Gold Card cardholders can earn 70,000 points after spending $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

The annual fee is $375 (See Rates & Fees).

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.

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.

There’s the TSC Store Card as well as the TSC® Visa® Card. Both cards come with a $20 reward for new cardholders when they make a qualifying purchase of $20 or more. They also both earn 5% in rewards on Tractor Supply purchases. However, the TSC Visa Card also earns 3% in rewards at gas stations, grocery stores, and veterinary services. It also earns 1% in rewards on all other purchases.

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 Casey’s Business Mastercard 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 $0.08 per gallon. You can also monitor your account and track usage by card easily. Driver ID and odometer prompting are also included. This card, one of the best credit cards for farmers, 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

In conclusion, there isn’t a one-size-fits-all when it comes to the best credit cards 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. This can boost 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.

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

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