The Harvest Card
The only credit card exclusively designed for specialty crop growers, with rewards and features tailored specifically to your unique growing cycles and business needs.
Coming Soon to Specialty Crop Growers
The Harvest Card is currently in development and will be launching soon. Join our waitlist to be the first to know when it's available.
Credit Designed for Your Specific Growing Cycle
The Harvest Card is built from the ground up to support the unique financial needs of specialty crop growers, not adapted from a general-purpose card.
- 5% cash back on crop inputs, farm supplies, and ag retail
- 3% cash back on equipment maintenance, fuel, and insurance
- 1% cash back on all other purchases (up to $50,000 total cash back annually)
- Seasonal repayment plans aligned with your specific crop harvest cycles
- Skip-a-payment during droughts or disasters affecting specialty crops
- Revenue-based payment percentage options for variable yield seasons
- Emergency credit line during declared disasters affecting specialty crops
- Built-in parametric coverage for yield or weather risk specific to your crops
- Embedded specialty crop insurance discounts
Earn More Where Specialty Growers Spend More
The Harvest Card rewards program is designed specifically for the spending patterns of specialty crop growers, not general consumers or even general agriculture.
Specialty Crop Inputs
Fertilizer, seed, chemicals, and amendments for specialty crops
Farm Supply Stores
All purchases at agricultural supply retailers serving specialty crops
Specialty Crop Cooperatives
Purchases through specialty crop cooperatives
Specialty Crop Equipment
Repairs, parts, and maintenance services for specialty crop equipment
Fuel
Diesel, gasoline, and other fuels for specialty crop operations
Specialty Crop Insurance
Payments toward specialty crop insurance policies
Everywhere Else
All other purchases made with your Harvest Card
No Category Limits
Unlimited cash back with no spending caps in any category (up to annual maximums)
No Expiration
Cash back rewards never expire
Cash back is limited to $50,000 total annually across all purchases. This calculator shows your potential rewards with this limit applied.
Payments That Follow Your Specialty Crop Harvest Cycle
Traditional credit cards don't understand specialty crop cash flow. The Harvest Card is built around your growing season.
Specialty Crop Seasonal Repayment
Customize your payment schedule to align with your specific specialty crop harvest and sales cycles. Make smaller payments during growing season and larger payments after harvest.
Skip-a-Payment During Specialty Crop Disasters
When USDA declares a disaster in your county or our weather data indicates conditions affecting your specialty crops, you can skip a payment with no penalties or interest accumulation.
Specialty Crop Revenue-Based Payment
Opt for payments calculated as a percentage of your monthly specialty crop revenue, ensuring payments scale with your business performance. Connect your accounting software for seamless calculation.
Protection Against Specialty Crop Risks
The Harvest Card includes built-in features to help you weather the storms that specifically affect specialty crop growers.
- Automatically activated during USDA declared disasters affecting specialty crops
- Up to 30% increase in your credit limit during emergencies
- Reduced interest rate on emergency funds for specialty crop growers
- $1,000 credit applied if rainfall falls below critical levels for your specific crops
- Protection against excessive heat events that damage specialty crops
- Automated triggers based on weather station data in your specialty crop region
- Up to 15% discount on specialty crop insurance premiums
- Simplified claims process with specialty crop insurance carriers
- Annual insurance review with a specialized specialty crop agent
Additional Perks for Harvest Card Members
How We Compare to Traditional Credit Cards
See how the Harvest Card delivers more value for specialty crop growers compared to standard credit cards that weren't designed for your unique needs.
- Specialty Crop Rewards Categories
- Specialty Crop Seasonal Repayment
- Specialty Crop Weather Relief
- Specialty Crop Software Integrations
- Specialty Crop Partner Discounts
- Parametric Weather Protection
- Schedule F Tax Categorization
- Revenue-Based Payment Options
- Specialty Crop Rewards Categories
- Specialty Crop Seasonal Repayment
- Specialty Crop Weather Relief
- Specialty Crop Software Integrations
- Specialty Crop Partner Discounts
- Parametric Weather Protection
- Schedule F Tax Categorization
- Revenue-Based Payment Options
Frequently Asked Questions
Everything you need to know about the Harvest Card for specialty crop growers.
What are the eligibility requirements?
The Harvest Card is available exclusively to specialty crop growers with active farming operations. You'll need to provide proof of your specialty crop agricultural business, such as Schedule F tax forms, farm ID numbers, or other documentation of your growing operation.
Is there an annual fee?
No, the Harvest Card has no annual fee. We believe in providing value without additional costs to your specialty crop operation.
How does the seasonal repayment plan work?
During your application, you'll provide information about your specialty crop cycles and harvest timing. We'll work with you to create a customized payment schedule that aligns with your cash flow, allowing smaller payments during growing seasons and larger payments after harvest.
What triggers the weather-based payment relief?
Payment relief is automatically triggered by either an official USDA disaster declaration in your county or when our weather data partners record qualifying adverse conditions (such as drought, excessive rainfall, or extreme temperatures) that specifically affect specialty crops in your growing region.
How do the specialty crop software integrations work?
The Harvest Card connects with popular specialty crop management and accounting software through secure API connections. After linking your accounts, transaction data flows automatically, categorized for easy tracking and reporting specific to specialty crop operations.
What is the credit limit?
Credit limits are determined based on your specialty crop operation's size, revenue, and credit history. Limits typically range from $10,000 to $100,000, with the ability to increase as your relationship with the Harvest Card grows.
How do I redeem my cash back rewards?
Cash back is automatically applied as a statement credit each month, or you can choose to deposit it into your bank account. You can also opt to apply rewards toward specialty crop partner purchases for enhanced value.
Can I get additional cards for my farm employees?
Yes, you can request additional employee cards with customizable spending limits and category restrictions. All employee card activity is tracked separately for easy specialty crop expense management.
Join the Harvest Card Waitlist
Be among the first specialty crop growers to access the only credit card designed exclusively for your unique needs.
We'll notify you when the Harvest Card launches. No impact to your credit score to join the waitlist.