8
Benefits4
Reward Categories3x
Max Reward19.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| State Farm Insurance Premiums | 3x | Cash Back | On State Farm insurance premium payments | $3,000 | |
| Gas | 2x | Cash Back | At gas stations | No Cap | |
| State Farm Agent Purchases | 2x | Cash Back | For eligible purchases at State Farm agents | No Cap | |
| All Other Purchases | 1x | Cash Back | On all other eligible purchases | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1x
Bonus Rate: 3x
Categories: 3% cash back on State Farm insurance premium payments, 2% cash back at gas stations, drugstores, and on eligible State Farm purchases (other than insurance premiums)
Quarterly Rotating: No
Cap Amount: $4,000.00
Expiration Policy: Your cash back rewards do not expire as long as your account remains open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption amount of $25 for statement credit or direct deposit.
Benefits & Protections (Detailed) 8 Total
PENDINGSecurity 5
Zero Fraud Liability
You won't be held responsible for unauthorized transactions made with your card or account information.
ID Theft Protection
Get help resolving identity theft issues, including credit bureau notification and replacement of important documents.
Lost/Stolen Card Reporting
Report a lost or stolen card 24/7 to prevent unauthorized use.
Emergency Card Replacement
Get a replacement card quickly if yours is lost or stolen.
Emergency Cash Disbursement
Access emergency cash if your card is lost or stolen.
Travel Insurance 3
Auto Rental Collision Damage Waiver
Provides coverage for damage due to collision or theft for most rental cars when you pay for the rental with your eligible card and decline the rental company’s collision damage waiver.
Travel and Emergency Assistance Services
Connects you with the help you need when you’re away from home, 24 hours a day, 365 days a year. Services include medical and legal referrals, emergency transportation assistance, and more. Cardholders are responsible for the cost of any services received.
Roadside Dispatch
Pay-per-useA pay-per-use roadside assistance program. Get help with services like towing, tire changing, jump starting, and more.
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
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either 3% of the amount of each transfer or $5, whichever is greater. |
| Cash Advance: | Either 5% of the amount of each cash advance or $10, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 19.24% - 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Welcome Bonus: Typically, earn 20,000 bonus points after spending $1,000 in net purchases within the first 90 days of account opening. Eligibility Requirements: Applicants must be 18 years or older, a U.S. resident, and possess a good to excellent credit score (typically 700+ FICO). U.S. Bank enforces a '2/12 Rule,' meaning applicants are generally limited to opening no more than 2 new U.S. Bank personal credit cards within the past 12 months. A soft '1/6 Rule' suggests not applying for more than 1 U.S. Bank card every 6 months. Furthermore, customers are generally limited to a maximum of 5 total U.S. Bank credit cards. An existing relationship with State Farm (e.g., policyholder) is often required for eligibility for this co-branded card.
Max Cards Per Issuer: 5
Min Spend Interval: 90 days
Cliff Effect Rules: U.S. Bank's primary application restrictions include the '2/12 rule' (no more than 2 new personal cards in the past 12 months) and a general limit of 5 total U.S. Bank credit cards per customer. Exceeding these limits will likely result in application denial, acting as a 'cliff effect' for new card approvals. There are no specific 'card family' bonus restrictions like once-per-lifetime for this program, but the overall issuer limits apply.
Special Events: N/A
Holiday Promos: N/A
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Excellent rewards for State Farm customers, especially on insurance premiums. No annual fee makes it a great value. The introductory APR offer is a nice bonus for new purchases or balance transfers.
Top Negative:
Rewards outside of State Farm, gas, groceries, and drug stores are only 1%. The 3% foreign transaction fee is a drawback for international travel. U.S. Bank can be strict with approvals, requiring good credit.
Approval Experience: 70.0 / 100
Recommended Alternatives
- U.S. Bank Cash+ Visa Signature Card
- Chase Freedom Flex
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 78.0 / 100
Est. Annual Rewards: $270.00
Approval Probability: 65.0%
Version Control
PENDINGVersion ID: v1.0