STATE FARM® BUSINESS CASH REWARDS VISA SIGNATURE® CARD

3% cash back plus a low intro rate

Get a decision in as little as 60 seconds.

STATE FARM® BUSINESS CASH REWARDS VISA SIGNATURE® CARD

3% cash back plus a low intro rate

Receive a 0% Introductory APRview full terms and conditions* on purchases and balance transfers for 12 billing cyclesview full terms and conditions. After that, a variable APR, currently $. This card and all its rewards and benefits are provided through U.S. Bank.

3% cash back


On insurance premium payments, up to $4,000 spent annually.1

3% cash back


At gas stations and electric vehicle charging stations (transactions $200 or less), cell phone service providers, office supply stores and on dining.

1% cash back


On all other eligible purchases.

$100 software credit

Receive a $100 credit to your account after 11 consecutive months of eligible software service subscription purchases.3

Additional Benefits

Auto deductible reimbursement

Cut down on unexpected expenses. You can get reimbursed up to $200 of your auto policy deductible when you experience a covered loss, if you make a minimum of 8 net purchases in the prior month.2

Cell phone protection

Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.4

Purchase security

Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security, available when you pay with your card.4

No annual fee

Enjoy all of these benefits with no annual fee or foreign transaction feeview full terms and conditions.

Frequently asked questions

Credit score requirements vary by product. In general, the State Farm® Visa Credit Card is for established credit with a credit score in the good to excellent range.

A credit card allows you to borrow money, with the intention you’ll pay back the lender (your bank) later. While it sounds simple, credit can get complex. Credit cards offer you a line of credit that can be used to make purchases, balance transfers and/or cash advances and requiring that you pay back the loan amount in the future. When using a credit card, you will need to make at least the minimum payment every month by the due date on the balance. If the full balance for purchases is not paid off, interest charges will be applied. Interest charges will be applied from the date of the transaction for balance transfers and/or cash advances.

Here are two things you can do to build and maintain good credit: 1) Consistently pay your bill on time. 2) Stay below your credit limit

Yes. The credit cards offer contactless chip technology that allow for enhanced security and touch-free payments, at the millions of retail store locations that accept contactless payments.

No. All U.S. Bank-issued State Farm credit cards have no annual fee.

U.S. Bank-issued State Farm credit cards offer competitive interest rates, allowing you to choose a credit card that fits your lifestyle

Start of disclosure content

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of these credit cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. State Farm and the State Farm logo are registered trademarks of State Farm Mutual Automobile Insurance Company.

* The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Thereafter the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is $, view full terms and conditions, (based on your creditworthiness). The variable APR for Cash Advances is 31.24%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars and each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. The introductory rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay® balance. ExtendPay® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay® Plans and ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.

† Balance Transfer transactions from other U.S. Bank National Association accounts are not permitted. Balance transfers submitted at time of application will be held for 10 days before processing.

Start of disclosure content

  1. Cash back is only earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. You will earn 3% cash back for every $1 of the first $4,000 spent annually on Purchases classified as insurance, starting with your January statement and 1% cash back after that. Annually is defined as the period of time starting with your January statement (which may include transactions made in December) and running through your December statement (which may not include all transactions made in December). You will also earn 3% cash back for every $1 spent on Purchases at merchants classified as gas stations, electric vehicle charging stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. You will earn 1% cash back for every $1 on all other eligible Purchases. Purchases for gasoline greater than $200 are not considered an automotive gasoline Purchase and do not qualify for the gas station category. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn cash back if the category code applied to a merchant is in a category that is not eligible for cash back earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional cash back. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle in order to earn and redeem cash back. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank savings or checking account, or as a Rewards Card ($25 minimum redemption). Subject to applicable law, cash back rewards will expire at 11:00 p.m. Central Time at the end of the calendar quarter, that is three (3) years from the date on which they were earned.

  2. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered State Farm Credit Card to secure 8 or more separate net purchases (number of purchase transactions minus number of credits and returns, including partial returns) on your covered card in the calendar month immediately preceding the loss. The covered vehicle must be registered in you or your family member’s name and must be legally operated by you or your family member at the time of the loss. Upon approval, please refer to your Guide to Benefits for further details and full terms and conditions.

  3. An automatic statement credit of $100 per 12-month period will be applied to your State Farm Business Cash Rewards Account within two (2) statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. Eligible software service providers are identified by their Merchant Category Code (MCC) and purchases made at discount/retail stores or online retailers may not qualify. We do not determine the category codes that merchants choose and reserve the right to determine which Purchases qualify. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits. Account must be in good standing (open and able to use) to receive the credit. 

  4. Certain terms, conditions and exclusions apply. In order for coverage to apply for Purchase Security, you must use your covered State Farm Credit Card to secure transactions. In order for coverage to apply for Cell Phone Protection, you must pay your eligible cellular wireless bill with your covered State Farm Credit Card. Upon approval, please refer to your Guide to Benefits for further details and full terms and conditions.  For consumer products only - Dovly Uplift: While Dovly’s platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.

Start of disclosure content

©2025 U.S. Bank

end of main