Farmers Rewards Visa Card
Basic Information
Program ID: farmers-rewards-visa-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 14:58
Last Scraped: 01/15/2026 15:00
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $2,500.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after the spend requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Farmers Insurance products/services, 2x Gas & Groceries
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion
Issuer Rules
Rules: Eligibility for the 'farmers-rewards-visa-card' in 2026 requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number, and demonstrate a good to excellent credit history. Applicants are generally not eligible for a new cardmember bonus if they have received a bonus for this specific product within the last 24 months. Approval is subject to BreadFinance's credit underwriting standards, including income verification and existing credit exposure. The typical new cardmember bonus offers 25,000 bonus points after spending $2,000 on eligible purchases within the first 3 months of account opening. Points are redeemable for Farmers-related rewards or statement credits. Store-specific restrictions apply to bonus point eligibility and redemption, particularly for certain Farmers services or products, which may be excluded from earning or redeeming points.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all BreadFinance accounts, repeated late payments, suspicious activity, abuse of return policies, rapid credit cycling (repeatedly maxing out and paying off credit limits), or any violation of the cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Good rewards for Farmers customers, easy application process, useful for insurance payments.
Top Negative Feedback:
Limited redemption options, high APR for balances, customer service can be slow, not competitive for general spending.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Custom Cash Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $275.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 75% General / 25% Farmers
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2023-10