State Farm Bank® Business Visa®

State Farm Bank deposit accounts are FDIC insured.

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  • Earn 3 State Farm Loyalty Rewards® points for every $1 spent on insurance premium payments, up to $4,000 annually.1
  • Earn 2 points for every $1 spent on eligible travel and office supply purchases.1
  • Earn 1 point for every $1 spent on all other purchases.1
  • Redeem points for merchandise, travel, and eligible State Farm® products.2 
  • Visa Shopping, travel, and protection benefits.

Apply Today

Select Apply now or contact a participating State Farm agent.

  • Online applications for State Farm Bank credit cards may only be submitted by individuals who are current State Farm customers/policyholders or State Farm Bank account holders.
  • If you are not a current State Farm or State Farm Bank customer, you are encouraged to call or visit a local State Farm agent to apply for a credit card.

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About This Card

For business owners looking for a competitive annual percentage rate while earning points in the State Farm Loyalty Rewards program.

  • 0% introductory APR on purchases for 6 months, thereafter a variable rate of 15.49%-22.49% APR based on creditworthiness. This APR will vary with the market based on the Prime Rate.
  • No annual fee
  • New Chip Card Technology provides greater security.
  • Important Account Disclosures - Business Visa
  • Additional cards for employees

Earning Rewards

  • Earn 1 point for every $1 you spend with your State Farm Bank Business Visa card1 at locations around the world.3 For example, you spend $100, you will earn 100 points.1
  • Earn 2 points for every $1 spent on eligible travel and office supply purchases.1
  • Earn 3 points for every $1 spent on insurance premium payments, up to $4,000 annually.1 

Redeeming Points

  • You can redeem points for gift cards at popular retailers, e-certificates, catalog merchandise, air travel, hotels, and eligible State Farm products.2
  • You can also use your points as a gift, or transfer your points between State Farm Loyalty Rewards accounts under the exact same business and ownership type. 

How to redeem

Additional Benefits

  • Access to our financial management tools
  • 24/7 good neighbor service
  • Online and mobile access anytime
  • Works with Apple Pay
  • Worldwide Visa credit card acceptance and cash access via ATMs
  • Visa Auto Rental Collision Damage Waiver4
  • Visa Personal Identity Theft Protection4
  • Visa Purchase Security and Extended Protection4
  • Visa Travel and Emergency Assistance Services4
  • Visa Zero Fraud Liability4
  • Visa Shopping and Travel Discounts

Access your account anytime. Anywhere.

Check your balance. Pay bills. Deposit checks. And more.

Download the State Farm mobile app

Apply today! Select Apply now or contact a participating State Farm agent.

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1Earn 3 State Farm Loyalty Rewards points for every $1 spent on the first $4,000 of Net Eligible Insurance Premium Payments made annually; after that you will earn 1 point for every $1 spent. Net Eligible Insurance Premium Payments are insurance premium payments made on your State Farm Bank Business Visa minus any returns, chargebacks or adjustments deducted from your points balance. The $4,000 threshold will be counted on an annual (January-December) basis. Points are earned based on merchant codes that are assigned to the merchant based on their primary line of business. Purchases without the appropriate merchant code will affect your ability to earn points or the rate at which you earn points. For every eligible travel and office supply store purchase made with a State Farm Bank Business Visa credit card, the primary accountholder will earn 2 points for every $1 spent. Eligible travel purchases include those with a merchant code of Airline Travel, Automobile Rentals, U.S. Railway Passenger Travel, Bus Line Travel, Hotel/Motel Stay and Travel Agencies. Eligible office supply store purchases include those with a merchant code of Office Supply and Stationery Stores, Office Commercial Furniture and Computer Software Stores. All other purchases made on the card will earn 1 State Farm Loyalty Rewards point for each $1 spent. Balance transfers do not earn State Farm Loyalty Rewards points. Your points do not expire; however, your points may be suspended or you may lose points if your account is not in good standing or is closed.

2 Eligible State Farm Bank products include deposit accounts, mortgages, and consumer loans. Eligible State Farm products offered by affiliates of State Farm Bank include property and casualty insurance, life insurance, and annuities.

3Purchases through a third party payment account, digital wallets, or similar technology will not earn points.

4Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please call 877-SF4-VISA (877-734-8472) for additional details.

Visa is a registered trademark of Visa International Service Association.

State Farm Bank, F.S.B., Bloomington, Illinois ("Bank"), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting or by contacting the Bank at 877-SF4-VISA (877-734-8472). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

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