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  State Farm Rewards Visa Credit Card

State Farm Rewards Visa Credit Card

in Personal Credit Cards from State Farm

Unaffiliated

State Farm Rewards Visa Credit Card

Unaffiliated

in Personal Credit Cards from State Farm

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Highlights
Highlights
Community Rating

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Balance Transfer APR  (Variable APR) 14.74% - 21.74%
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 14.74% - 21.74%

State Farm Rewards Visa Credit Card Review

State Farm Rewards Visa Credit Card is a rewards credit card issued by State Farm.  If you're wondering whether State Farm Rewards Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • Generous reward rate. You can get a rewards rate of up to 3%.
  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. State Farm Rewards Visa Credit Card has a variable purchase APR of up to 21.74%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Accepts cosigners. State Farm is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • State Farm Rewards Visa Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.

Is there a State Farm Rewards Visa Credit Card cash back or rewards program?

State Farm Rewards Visa Credit Card offers a rewards program to its customers.

State Farm Rewards Visa Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does State Farm Rewards Visa Credit Card have a signup bonus?

State Farm Rewards Visa Credit Card doesn't offer a cash signup bonus.

Does State Farm Rewards Visa Credit Card offer an annual loyalty bonus?

State Farm Rewards Visa Credit Card doesn't offer a cash loyalty bonus.

What are the State Farm Rewards Visa Credit Card benefits?

State Farm Rewards Visa Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for State Farm Rewards Visa Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. State Farm Rewards Visa Credit Card has lower than average purchase APRs.

State Farm Rewards Visa Credit Card has a variable purchase APR that ranges from 14.74% up to 21.74%. The card has a variable balance transfer APR that ranges from 14.74% up to 21.74%. It also has a variable cash advance APR starting at 21.74% .

Does State Farm Rewards Visa Credit Card have an introductory APR offer on balance transfers??

Yes, State Farm Rewards Visa Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

State Farm Rewards Visa Credit Card Balance Transfers
Description
Balance Transfer APR 14.74% - 21.74%
Introductory Rate 0%
Intro APR period (months) 12

Does State Farm Rewards Visa Credit Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the State Farm Rewards Visa Credit Card fees?

The following fees apply to State Farm Rewards Visa Credit Card:

  • There is no overlimit fee
State Farm Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $10
Returned Payment Fee $38
Late Payment Fee $38

Does State Farm Rewards Visa Credit Card have a foreign transaction fee?

State Farm Rewards Visa Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does State Farm Rewards Visa Credit Card report your account activity to credit bureaus?

State Farm Rewards Visa Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for State Farm Rewards Visa Credit Card

  • Visit the State Farm Rewards Visa Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.50
Returned Payment Fee $38
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Balance Transfer
  • Rewards
  • Zero Percent
Card Network
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards 3x
No Reward Expiration Period  
Rewards Categories
  • Every Purchase
  • Insurance
Cash Advance APR (Variable APR) Starting at 21.74%
Purchase APR (Variable APR) 14.74% - 21.74%
Introductory Rate 0%
Balance Computation average daily balance (including new purchases)
Intro APR period 12
Balance Transfer APR (Variable APR) 14.74% - 21.74%
Introductory Rate 0%
Intro APR period 12

State Farm Rewards Visa Credit Card Community Reviews

 

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