11
Benefits4
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Farmers Insurance Purchases | 3x | Points | Net Eligible Purchases made at participating Farmers Insurance locations and farmers.com. | No Cap | |
| Gas | 2x | Points | Net Eligible Purchases made at gas stations. | No Cap | |
| Groceries | 2x | Points | Net Eligible Purchases made at grocery stores. | No Cap | |
| All Other Purchases | 1x | Points | Net Eligible Purchases made everywhere else Visa credit cards are accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x Farmers purchases, 2x Gas
Quarterly Rotating: No
Expiration Policy: Points expire 36 months after the month in which they were earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 11 Total
PENDINGAssistance 1
Roadside Dispatch
Pay-per-use serviceA pay-per-use roadside assistance program that provides services such as towing, tire changing, jump starting, lockout service, and fuel delivery. Cardholders pay a pre-negotiated flat rate per service call.
Financial 1
No Annual Fee
$0The card does not charge an annual fee for card membership.
Rewards 3
Farmers Products & Services Bonus Points
3 points per $1Earn 3 points for every $1 spent on eligible Farmers products and services.
Gas & Groceries Bonus Points
2 points per $1Earn 2 points for every $1 spent on eligible gas and grocery purchases.
Everyday Purchases Points
1 point per $1Earn 1 point for every $1 spent on all other eligible purchases.
Security 4
Zero Liability Protection
Full protectionProtects cardholders from unauthorized purchases made with their card or account information. Cardholders are not held responsible for fraudulent charges.
Emergency Card Replacement
Expedited replacementProvides assistance with replacing a lost or stolen card quickly, often within 1-3 business days, in the U.S. and internationally.
Emergency Cash Disbursement
Emergency cash accessProvides emergency cash to cardholders whose card has been lost or stolen, typically available within hours of approval.
Lost/Stolen Card Reporting
Assistance serviceProvides assistance with reporting a lost or stolen card, canceling the account, and protecting against unauthorized use.
Travel Assistance 1
Travel and Emergency Assistance Services
Referral servicesProvides a variety of emergency services when traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services rendered.
Travel Insurance 1
Auto Rental Collision Damage Waiver
Varies by incidentProvides secondary coverage for damage due to collision or theft for most rental cars when the eligible Visa card is used to initiate and pay for the entire rental and the cardholder declines the rental company's collision damage waiver (CDW) or similar option.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$2,500
Cash BackRequirement: Spend $500 in 90 days
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 31.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Farmers Rewards Visa Card requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria, typically requiring good to excellent credit and sufficient income. New cardmembers are generally eligible for a one-time sign-up bonus (e.g., X points or $Y statement credit) upon spending a specified amount (e.g., $Z) within the first 3 months of account opening. Store-specific restrictions apply to both earning and redeeming rewards, meaning certain purchases or redemption methods may be excluded or offer varying reward rates. Application is subject to BreadFinance's standard underwriting process, and eligibility for new bonuses may be restricted if a bonus for this specific card type was received within the last 24-48 months.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Typically, one sign-up bonus per card type per 24-48 months. Holding multiple versions of the 'farmers-rewards-visa-card' (if different tiers exist) may impact bonus eligibility or overall rewards earning. BreadFinance may also have internal limits on the total number of credit products or aggregate credit limit extended to a single customer, potentially affecting approval for additional cards.
Special Events: Exclusive member-only sales events, bonus rewards days on specific product categories, early access to new merchandise, personalized discounts, and special financing offers during promotional periods.
Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, Memorial Day, Labor Day, 4th of July, and other national or seasonal sales events where bonus rewards or special discounts may be offered.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Rewards program is beneficial for Farmers Insurance customers, easy to earn points on everyday spending, and offers specific benefits related to Farmers.
Top Negative:
Customer service can be inconsistent, high interest rates for those who carry a balance, and rewards may not be as valuable for non-Farmers customers.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One Quicksilver
- Wells Fargo Autograph Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $315.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0