Rural King Credit Card Review 2023: Benefits, Rewards, and How to Apply

The Rural King credit card is a store credit card offered by Rural King, a farm and home retail supplier with over 150 locations across the Midwest and South. This Rural King credit card review will cover the key benefits, rewards program, eligibility requirements, and how to apply for the Rural King credit card.


For customers who frequently shop at Rural King for farm supplies, pet products, home improvement items, outdoor equipment, and more, the Rural King credit card can provide some nice perks. As a store card, the Rural King credit card offers benefits tailored specifically for loyal Rural King shoppers.

Key features of the Rural King credit card include:

  • Rural King rewards points on all purchases to earn discounts on future purchases
  • Special cardholder discounts and exclusive offers
  • Deferred interest promotional financing on qualifying purchases
  • No annual fee

This article will provide an in-depth look at the Rural King credit card so you can decide if it’s worthwhile for you to apply for and utilize this retail credit card.

Benefits of the Rural King Credit Card

When shopping at Rural King, using the Rural King credit card can maximize your savings. Here are some of the biggest benefits cardholders enjoy:

Rural King Rewards Program The Rural King credit card allows you to earn rewards points called “Max Credit” on every purchase. Points can then be redeemed for discounts on future Rural King purchases. Here’s a breakdown of how the rewards work:

  • Earn 1 point for every $1 spent at Rural King and
  • Earn 10 points for every $1 spent on select days promoted as “10X events”
  • Points expire 36 months after the end of the calendar year in which they were earned
  • Rewards certificates are issued in $5 increments for every 500 points earned

So essentially, the rewards program translates into getting 1% back on normal purchases and 10% back on bonus category purchases when redeemed for Rural King credit. On a $500 purchase, that would equal a $5 discount on your next order.

Exclusive Discounts Cardholders can take advantage of special Rural King credit card discounts on certain days. Discounts may include extra percentages off regular prices or dollars off certain totals. Offers typically apply to purchases made in-store and online.

Promotional Financing For larger purchases like riding lawnmowers, furniture, and grills, the Rural King credit card provides access to promotional financing. This allows you to spread out payments over some time while avoiding interest charges. Common offers include 12 months or 18 months deferred interest financing when meeting minimum purchase requirements.

No Annual Fee Unlike many rewards credit cards, there is no annual fee to have the Rural King credit card, so you can enjoy the benefits year after year without an added cost.

Eligibility and Approval for the Rural King Credit Card

The Rural King credit card is issued by Wells Fargo Financial National Bank after a review of creditworthiness. Here are some key eligibility requirements:

  • Good to excellent credit (FICO scores above 670 have the best approval odds)
  • Valid Social Security Number
  • Permanent U.S. residency

As a store credit card, approval requirements are a bit less stringent than general-purpose credit cards. Those with fair credit in the low 600s may still be approved with a lower credit limit.

If you don’t qualify for the Rural King credit card, you may have better luck applying with a co-applicant who can help raise your chances for approval.

How to Apply for the Rural King Credit Card

Ready to enjoy rewards and discounts with the Rural King credit card? Applying is quick and easy. Here are the steps to follow:

  1. Stop by any Rural King customer service desk and pick up a credit card application.
  2. Fill out the application with your personal information including name, birth date, Social Security Number, address, and income source.
  3. Return the completed application to any Rural King store location.
  4. You will receive an immediate decision on your application. If approved, you can begin using your new Rural King credit card right away in-store.
  5. Within 7-10 business days you will receive your physical credit card in the mail along with your credit agreement terms and conditions.

You can also apply easily online when logged into your Rural King account. Look for the credit card application link on the account dashboard. This will open up an application form to complete electronically.

Once approved, you can immediately use your new Rural King credit card number when shopping online before receiving your card.

Rural King Credit Card login

To access your Rural King credit card account online, you will need to go to the Rural King website and click on “Credit Card Login” at the top of the page. This will take you to the login page for your credit card account. You will need to enter your 16-digit credit card number and the last 4 digits of your social security number to log in.

Once you have entered your card number and social security number, you will be taken to your account dashboard. Here you can view your statement balance, make payments, see your recent transactions, update your personal information, and more. If you have forgotten your card number or social security number, you can contact Rural King customer service for assistance accessing your account.

The online portal allows you to easily manage your Rural King credit card account. You can set up autopay, check your available credit, dispute charges, and do other tasks. Keeping your login information in a safe place will allow you to conveniently access your account anytime you need to. Logging in regularly to review your statement and transactions is a good way to monitor your account and catch any unauthorized

How Does the Rural King Credit Card Compare?

How does the Rural King credit card stack up against other retail credit cards and rewards cards? Here is a brief comparison of some key factors:

Rewards Rate The 1% rewards rate on the Rural King card is standard for most retail cards. It falls short of the 1.5-2% rates of leading cash-back cards. The bonus 10% days help sweeten the deal for big Rural King shoppers.

Promotional Financing Deferred interest offers are similar to other major retail cards, providing a way to finance larger purchases interest-free. General purpose cards don’t offer this perk.

Fees No annual fee is a big plus, especially compared to premium travel rewards cards that charge $100+ per year. The APR of 26.99% is also competitive for a retail card.

Acceptance Since it’s a store card, the Rural King credit card can only be used at Rural King locations and Cards like Visa and Mastercard are accepted nearly everywhere.

As you can see, the Rural King credit card is best suited for loyal Rural King patrons who will maximize the rewards program and financing offers. For general spending and purchases outside of Rural King, a cash-back or travel rewards card would be preferable.

Pros and Cons of the Rural King Credit Card

Here is a quick rundown of some of the key advantages and disadvantages of using the Rural King credit card:


  • Earn rewards on all Rural King purchases
  • Access to exclusive cardholder discounts
  • Deferred interest promotional financing is available
  • No annual fee


  • Rewards only redeemable at Rural King
  • Must have good credit to qualify
  • Higher interest rate if carrying a balance
  • Can only be used at Rural King

Who Should Get the Rural King Credit Card?

The Rural King credit card makes the most sense for these types of customers:

  • Frequent Rural King shoppers
  • Farmers, ranchers, and agricultural businesses
  • Homeowners in need of home improvement supplies
  • Pet owners who buy pet food/supplies at Rural King
  • Anyone planning a major purchase like a riding mower

Occasional Rural King shoppers likely won’t accumulate enough rewards to justify getting the card. Those with fair or poor credit may not qualify or will face high-interest rates if carrying a balance.

Tips for Getting the Most from Your Rural King Credit Card

To maximize the benefits of the Rural King credit card, keep these tips in mind:

  • Pay off your balance each month to avoid interest
  • Take advantage of 10X bonus points days
  • Redeem rewards for discounts before they expire
  • Stack rewards with coupons and sales for double savings
  • Use the card for all Rural King purchases, even small amounts
  • Sign up for email alerts to receive exclusive cardholder offers
  • Refer friends and family to earn bonus rewards

Using the card responsibly and consistently will help you unlock the most value from the Rural King credit card rewards program.

Rural King Credit Card: Is It Right for You?

The Rural King credit card can be a beneficial addition to your wallet if you frequently shop at Rural King stores and want to earn rewards on purchases for discounts on future orders. It also provides access to special financing offers to make large purchases more affordable.

Just keep in mind that the Rural King card is best suited for loyal Rural King customers who don’t mind earning rewards to redeem only at Rural King. General spending is better suited for a cash-back or travel rewards card with wider acceptance.

Overall, the Rural King credit card is a solid retail store card for Rural King devotees looking to maximize savings on future Rural King purchases. With no annual fee, the card provides consistent value year after year. If you shop Rural King often, then the time is right to apply.

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