State Farm® Rewards Visa®

State Farm Bank® deposit accounts are FDIC insured.


  • Earn 1 State Farm Loyalty Rewards® point for every $1 spent on eligible purchases.1
  • Earn 3 points for every $1 spent on insurance premium payments, up to $4,000 annually.1
  • Redeem points for merchandise, travel, and eligible State Farm® products.2
  • Redemption premium when points are applied toward a qualifying State Farm product.3
  • Enhanced Security with Chip Card Technology

Apply Today

Apply online, contact a participating State Farm agent, or call the State Farm® Visa® Application Center toll-free 800-324-4946.

Apply now

About This Card

For people interested in a competitive annual percentage rate while earning points in the State Farm Loyalty Rewards program.

  • 0% introductory APR on purchases and balance transfers* for 12 months, thereafter a variable rate of 14.49%–21.49% APR based on creditworthiness. This APR will vary with the market based on the Prime Rate.
*Balance transfer fee of $10 or 3% of the amount of each balance transfer, whichever is greater (maximum fee: $250).

 *Once a balance transfer is completed, you will need to pay the total balance of any new purchases and your balance transfer by the payment due date to avoid interest charges. If your total balance is not paid in full by the payment due date, you will be charged interest in accordance with your current purchase and/or balance transfer APR, until the balance is paid in full. 

Earning Rewards

  • Earn 1 point for every $1 you spend with your State Farm Rewards Visa card1 at millions of locations around the world.4 For example, you spend $100, you will earn 100 points.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 that you own. You can use your points as a gift to another State Farm Loyalty Rewards accountholder.
  • Redemption premium when points are applied toward a qualifying State Farm product.3

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
  • Account Fraud Monitoring
  • Visa $250,000 Travel Accident Insurance5
  • Visa Auto Rental Collision Damage Waiver5
  • Visa Travel and Emergency Assistance Services5
  • Visa Warranty Manager Service5
  • Visa Zero Fraud Liability5
  • Visa Shopping and Travel discounts

Three ways to apply. Select Apply now, contact a participating State Farm agent, or call the State Farm Visa Application Center toll-free 800-324-4946.

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1Earn 3 State Farm Loyalty Rewards points for every $1 spent on the first $4,000 of any Net Eligible Insurance Premium Payments made annually. Net Eligible Insurance Premium Payments are insurance premium payments made on your State Farm Rewards 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. Earn 1 State Farm Loyalty Rewards point for each $1 spent on all other purchases. 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.

2Eligible 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.

3Not all State Farm products to which you may apply your State Farm Loyalty Rewards points qualify for a redemption premium. Only the following State Farm products are eligible:
Single redemptions to qualifying State Farm Bank Checking/Interest Checking accounts and State Farm® Visa® Gift Cards will earn a redemption premium as follows:

Points Redeemed / Premium
0-24,999 points — No Premium
25,000 - 49,999 — 25% Premium
50,000 - 99,999 — 35% Premium
100,000 - greater — 50% Premium

4Purchases through a third party payment account, digital wallets, or similar technology will not earn points.

5Certain 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). If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services. To apply for a Bank product, you may also see your participating State Farm agent.

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