State Farm Premier Cash Rewards Visa Signature® Credit Card
Basic Information
Program ID: state-farm-premier-cash-rewards-visa-signature-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 16:49
Last Scraped: 01/15/2026 16:50
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
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: Bonus cash is typically credited to your account within 6-8 weeks after the qualifying purchases are made and the account remains open and in good standing.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x State Farm Insurance Premiums (up to $4,000 in annual spend), 2x Gas Stations (up to $4,000 in annual spend), 2x Grocery Stores (up to $4,000 in annual spend)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash rewards do not expire as long as your account remains open and in good standing.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility requires good to excellent credit (typically 700+ FICO). U.S. Bank's application rules include a 2/12 rule (maximum 2 personal cards opened with U.S. Bank in the past 12 months) and a 1/7 rule (maximum 1 personal card opened with U.S. Bank in the past 7 days). An existing U.S. Bank banking relationship (checking/savings) can significantly aid approval. Welcome bonuses are generally not available to applicants who currently have or have had this specific card, or who have received a bonus for it within the last 24 months. While not a strict requirement, the card is primarily designed for State Farm customers, and having an existing insurance policy or relationship may be beneficial.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, rapid application for multiple cards, high cumulative credit limit across U.S. Bank accounts, unusual spending patterns, payment defaults, abuse of rewards programs, suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
Excellent cash back on State Farm insurance premiums (3%), good rewards on everyday spending like gas, groceries, and drugstores (2%), and no annual fee. Offers a solid sign-up bonus and a 0% intro APR.
Top Negative Feedback:
Rewards are capped at $5,000 for 3% and 2% categories annually, then drop to 1%. Foreign transaction fees apply. Requires good credit for approval.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- U.S. Bank Cash+ Visa Signature Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $350.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 30% State Farm / 70% General
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0