State Farm Good Neighbor Visa® Credit Card
Basic Information
Program ID: state-farm-good-neighbor-visa-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 16:47
Last Scraped: 01/15/2026 16:49
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: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically posts to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x points on State Farm insurance premium payments (up to $4,000 annual spend), 2x points on gas, grocery stores, and drugstores (up to $4,000 annual spend combined), 1x point on all other eligible purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Applicants must be 18 years or older, a U.S. resident, and possess excellent credit. Eligibility for a new U.S. Bank personal credit card is restricted by the '2/12 Rule,' meaning applicants cannot have opened more than two new U.S. Bank personal credit card accounts within the past 12 months. A typical sign-up bonus requires meeting a specified spending threshold (e.g., $500-$1,000) within the first 3 months of account opening. While not strictly required, having an existing State Farm insurance policy or relationship may improve approval odds for this co-branded card.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across U.S. Bank accounts, rapid application for multiple cards, suspicious spending patterns (e.g., large gift card purchases, round numbers), abuse of return policies, frequent account churning, non-payment or late payments, fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Offers solid cash back on everyday purchases, especially beneficial for existing State Farm customers, and comes with no annual fee.
Top Negative Feedback:
Reward rates can be lower compared to some premium cash back cards, and some users report average customer service experience with U.S. Bank.
Approval Experience Score: 68.0 / 100
Recommended Alternatives
- U.S. Bank Cash+ Visa Signature Card
- U.S. Bank Altitude Go Visa Signature Card
- U.S. Bank Platinum Visa Card
Card Value Score: 72.0 / 100
Est. Annual Rewards: $240.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 65 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 62.0%
Terms Version Control
Version ID: v1.0