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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

Net Recommendation Score -50

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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1 user recommends
0 users are unsure
3 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 14.24% - 24.24%
Balance Transfer APR  (Variable APR) 14.24% - 24.24%
Credit Score Range 650 - 850
Annual Fee $0

State Farm Rewards Visa Credit Card Review

This is a rewards credit card issued by State Farm. If you're wondering whether State Farm credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. State Farm Rewards Visa Credit Card has a variable purchase APR that ranges from 14.24% up to 24.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. State Farm Rewards Visa Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • 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, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of State Farm credit card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on their purchases.
  • State Farm Rewards Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
State Farm credit card FAQ

Does State Farm credit card have a cash back or rewards program?

State Farm credit card is a rewards card.

State Farm credit card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A

Does State Farm credit card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does State Farm credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the State Farm credit card benefits?

It provides the following benefits:

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

What are the relevant APRs for State Farm credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 24.24%. It also has a variable cash advance APR of 24.49% .

Does State Farm credit card have an intro APR offer on balance transfers?

Yes, it offers an intro 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 Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 14.24% - 24.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does State Farm credit card have an intro APR offer on new purchases?

State Farm Rewards Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

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

What are the fees for State Farm credit card?

The following fees apply:

  • There is no overlimit fee
State Farm credit card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does State Farm credit card have a foreign transaction fee?

State Farm 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 foreign transaction fees.

What is the customer service phone number for State Farm credit card?

The State Farm credit card customer service number is (800) 782-8332.

What is the support contact email for State Farm credit card?

The support contact email for State Farm credit card is support@statefarm.com.

How do people rate the customer service and user experience of State Farm credit card?

Overall, State Farm credit card is mostly not recommended based on community reviews that rate customer service and user experience.

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

Yes, 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 may help improve your credit.

How to apply for State Farm credit card

  • Visit the State Farm 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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.50
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
No Reward Expiration Period
Rewards Categories
  • Points on Insurance
  • Points on Every Purchase
Cash Advance APR (Variable APR) 24.49%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 14.24% - 24.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.24% - 24.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Rewards
  • Zero Percent
Card Network Visa

State Farm Rewards Visa Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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