State Farm Crystal Rewards® Visa Signature®

• 0% introductory APR on purchases for 12 months, thereafter a variable rate of 13.24%–20.24% APR based on creditworthiness. This APR will vary with the market based on the Prime Rate.²

¹ For every purchase made with a State Farm Crystal Rewards Visa Signature credit card, the primary account holder will earn 1.5% of the transaction amount in State Farm Dollars once the total annual purchases exceed $10,000; purchases that are part of the first $10,000 will earn 1%. In calculating total annual purchases, we will utilize the anniversary date (the month and day an account was initially opened) in order to determine the earnings tier level. Insurance premium payments made with a State Farm Crystal Rewards Visa Signature credit card will earn an additional 0.25% in State Farm Dollars. Returned purchase credits and refunds will be deducted from the State Farm Dollars balance.

² See Important Account Disclosures.

Features and Benefits

• The option to move a large purchase to a potentially lower APR with FixPay.
• Access to our financial management tools.
• A low annual fee of $30.²
• Worldwide Visa credit card acceptance.
• 24-hour good neighbor service.
• Cash access worldwide via ATMs.
• 24-hour fraud protection with zero liability.
• Online access anytime.

Visa® Benefits

• Identity Theft Coverage.
• Auto Rental Collision Damage Waiver.
• Warranty Manager Service.
• $250,000 Travel Accident Insurance.
• Purchase Security.
• Loss Luggage Reimbursement.

Save with Visa Online Discounts

• Shopping discounts.
• Travel discounts.

How to Apply

• Apply online.
• Contact a participating State Farm Agent.
• Call the State Farm Visa Application Center toll free at 800-324-4946.

¹ For every purchase made with a State Farm Crystal Rewards Visa Signature credit card, the primary account holder will earn 1.5% of the transaction amount in State Farm Dollars once the total annual purchases exceed $10,000; purchases that are part of the first $10,000 will earn 1%. In calculating total annual purchases, we will utilize the anniversary date (the month and day an account was initially opened) in order to determine the earnings tier level. Insurance premium payments made with a State Farm Crystal Rewards Visa Signature credit card will earn an additional 0.25% in State Farm Dollars. Returned purchase credits and refunds will be deducted from the State Farm Dollars balance.

² See Important Account Disclosures.

State Farm Crystal Rewards Visa Signature cardholders are eligible for a benefit known as State Farm Dollars. Once your total annual purchases exceed $10,000, you can automatically earn 1.5%¹ in State Farm Dollars on all purchases! Purchases that are part of the first $10,000 will earn 1%¹ in State Farm Dollars. There is no limit to the amount of State Farm Dollars you may earn!

A great way to earn 2% in State Farm Dollars³ is by using your new Rewards credit card within the first 12 months of account opening when making insurance premium payments. After that, insurance premium payments made with a State Farm Crystal Rewards Visa Signature credit card will earn an additional 0.25% in State Farm Dollars.

Tracking Your State Farm Dollars

No need to worry about tracking how many State Farm Dollars you've earned or redeemed to date – we'll do that for you. Your monthly statement will show your:

• State Farm Dollars Balance.
• State Farm Dollars Earned in the Current Cycle.
• Lifetime State Farm Dollars Redeemable.
• Total State Farm Dollars Redeemable.

Redeeming State Farm Dollars

• Once you’ve earned 50 State Farm Dollars or more, you may redeem them at any time online or by calling 877-SF4-VISA (877-734-8472).
• State Farm Dollars may be applied toward the State Farm^® product of your choice.⁴

The cardholder may apply their State Farm Dollars towards:

Bank Accounts5	Lending Products
Checking account	Vehicle loan
Interest checking account	Home mortgage loan
Savings account	Home equity loan and line of credit
Money Market Savings
Health savings account (HSA)
Certificate of deposit (CD)
Individual Retirement Account (IRA)
Insurance Premiums	Mutual Funds6,7
Auto	Stock funds
Homeowners/Renters	Combined funds
Life6	Fixed Income funds
Health	Cash Equivalent funds

¹ For every purchase made with a State Farm Crystal Rewards Visa Signature credit card, the primary account holder will earn 1.5% of the transaction amount in State Farm Dollars once the total annual purchases exceed $10,000; purchases that are part of the first $10,000 will earn 1%. In calculating total annual purchases, we will utilize the anniversary date (the month and day an account was initially opened) in order to determine the earnings tier level. Insurance premium payments made with a State Farm Crystal Rewards Visa Signature credit card will earn an additional 0.25% in State Farm Dollars. Returned purchase credits and refunds will be deducted from the State Farm Dollars balance.

² See Important Account Disclosures.

³ Customers may earn 2% in State Farm Dollars when using their new Rewards card to charge their insurance premiums within the first 12 months of the card being approved and opened.

⁴ This includes products offered by State Farm Insurance Companies (Auto, Home, Life, and Health insurance); State Farm Bank^® (Bank products and services); State Farm VP Management Corp. (Securities Products). Some products are not available in all areas.

⁵ Bank Accounts are FDIC insured.

⁶ Securities, insurance, and annuity products are not FDIC insured, are not bank guaranteed, and are subject to investment risk, including possible loss of principal.

⁷ Before investing in State Farm Mutual Funds®, consider the funds’ investment objectives, risks, charges, and expenses. Contact State Farm VP Management Corp. (800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. Neither State Farm nor its agents provide investment, tax or legal advice. State Farm VP Management Corp. is a separate entity from those State Farm entities that provide banking and insurance products. AP2013/04/1020

¹ For every purchase made with a State Farm Crystal Rewards Visa Signature credit card, the primary account holder will earn 1.5% of the transaction amount in State Farm Dollars once the total annual purchases exceed $10,000; purchases that are part of the first $10,000 will earn 1%. In calculating total annual purchases, we will utilize the anniversary date (the month and day an account was initially opened) in order to determine the earnings tier level. Insurance premium payments made with a State Farm Crystal Rewards Visa Signature credit card will earn an additional 0.25% in State Farm Dollars. Returned purchase credits and refunds will be deducted from the State Farm Dollars balance.

² See Important Account Disclosures.