Which card earns more rewards, the Nibbles Pet Rewards Credit Card or TSC Visa Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Nibbles Pet Rewards Credit Card or the TSC Visa Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Nibbles Pet Rewards Credit Card vs TSC Visa Card

Both cards cost $0/yr. The Nibbles Pet Rewards Credit Card leads on pet; the TSC Visa Card on gas stations.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Nibbles Pet Rewards Credit Card Lead Bank · No annual fee	TSC Visa Card Citi · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	—	—
Rewards	Nibbles Rewards	Tractor Supply Co.
Foreign transaction fee	None	—
Network	Mastercard	Visa
Earn ratesPer $1 spent
Gas Stations	1x	3x Highest
Grocery Stores	1x	3x Highest
Pet	3x Highest	1x
Veterinary	3x	3x
Everything else	1x	1x
Perks & access— means none on record
Other perks	—	36 Months - 3.99% APR Financing 12 Months Special Financing 6 Months Special Financing Free same-day delivery New Cardholder Reward Offer Free everyday standard shipping Show 1 more Full-day trailer rentals
Protections & insuranceLimits where published · — means none on record
Purchase & returns	Zero Liability on unauthorized transactions	Zero Liability on unauthorized charges
Other protections	24/7 lost/stolen card assistance worldwide Pet Insurance Policy ($10,000 limit)	24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	Built-in pet insurance for one dog or cat at no extra cost (base coverage up to $10,000 a year) 3 points per $1 at pet stores, pet services and licensed vets, with no cap on earnings No annual fee and no foreign transaction fee	—
Cons	Base insurance coverage, deductible and provider vary by state and sign-up date, and illness coverage is an add-on in some states Not available to residents of Colorado, Connecticut, Hawaii, Kentucky, Maine, Massachusetts, Minnesota, New York, Washington or Puerto Rico Variable APR of Prime + 17.74% makes carrying a balance expensive	—
	Card details	Card details

Nibbles Pet Rewards Credit Card
Lead Bank · No annual fee
TSC Visa Card
Citi · No annual fee

Overview

Annual fee: Nibbles Pet Rewards Credit Card
$0
TSC Visa Card
$0
Welcome offerCurrent public offer: Nibbles Pet Rewards Credit Card
—
TSC Visa Card
—
Rewards: Nibbles Pet Rewards Credit Card
Nibbles Rewards
TSC Visa Card
Tractor Supply Co.
Foreign transaction fee: Nibbles Pet Rewards Credit Card
None
TSC Visa Card
—
Network: Nibbles Pet Rewards Credit Card
Mastercard
TSC Visa Card
Visa

Earn ratesPer $1 spent

Gas Stations: Nibbles Pet Rewards Credit Card
1x
TSC Visa Card
3x
Highest
Grocery Stores: Nibbles Pet Rewards Credit Card
1x
TSC Visa Card
3x
Highest
Pet: Nibbles Pet Rewards Credit Card
3x
Highest
TSC Visa Card
1x
Veterinary: Nibbles Pet Rewards Credit Card
3x
TSC Visa Card
3x
Everything else: Nibbles Pet Rewards Credit Card
1x
TSC Visa Card
1x

Perks & access— means none on record

Other perks: Nibbles Pet Rewards Credit Card
—
TSC Visa Card
36 Months - 3.99% APR Financing
12 Months Special Financing
6 Months Special Financing
Free same-day delivery
New Cardholder Reward Offer
Free everyday standard shipping
Show 1 more
Full-day trailer rentals

Protections & insuranceLimits where published · — means none on record

Purchase & returns: Nibbles Pet Rewards Credit Card
Zero Liability on unauthorized transactions
TSC Visa Card
Zero Liability on unauthorized charges
Other protections: Nibbles Pet Rewards Credit Card
24/7 lost/stolen card assistance worldwide
Pet Insurance Policy ($10,000 limit)
TSC Visa Card
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: Nibbles Pet Rewards Credit Card
Built-in pet insurance for one dog or cat at no extra cost (base coverage up to $10,000 a year)
3 points per $1 at pet stores, pet services and licensed vets, with no cap on earnings
No annual fee and no foreign transaction fee
TSC Visa Card
—
Cons: Nibbles Pet Rewards Credit Card
Base insurance coverage, deductible and provider vary by state and sign-up date, and illness coverage is an add-on in some states
Not available to residents of Colorado, Connecticut, Hawaii, Kentucky, Maine, Massachusetts, Minnesota, New York, Washington or Puerto Rico
Variable APR of Prime + 17.74% makes carrying a balance expensive
TSC Visa Card
—

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The TSC Visa Card wins in 2 of 3 categories. The Nibbles Pet Rewards Credit Card leads in 1.

Pet

Nibbles Pet Rewards Credit Card earns 3X vs 1X

Gas Stations

TSC Visa Card earns 3X vs 1X

Grocery Stores

TSC Visa Card earns 3X vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the TSC Visa Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Nibbles Pet Rewards Credit Card	TSC Visa Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120	Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $180	TSC Visa Card	TSC Visa Card
Heavy spender: $4,000/month	Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480	Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $720	TSC Visa Card	TSC Visa Card

Which Card Is Right for You?

Get the TSC Visa Card if you:

+Do most of your spending at grocery stores

The Bottom Line

Both scenarios favor the TSC Visa Card on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the Nibbles Pet Rewards Credit Card or TSC Visa Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Nibbles Pet Rewards Credit Card or the TSC Visa Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Nibbles Pet Rewards Credit Card — Full Review All Lead Bank Cards

TSC Visa Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Lead Bank cards · Citi cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.