State Farm Premier Cash Rewards Visa Signature® Credit Card
U.S. Bank Visa Signature Pending
18
Benefits3
Reward Categories3x
Max Reward19.2%
APR FromBasic Information
PENDINGProgram ID: state-farm-premier-cash-rewards-visa-signature-card
Issuer: U.S. Bank
Card Name: State Farm Premier Cash Rewards Visa Signature® Credit Card
Card Type: Credit
Network: Visa
Card Tier: Signature
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
U.S. Bank provides benefits to eligible military servicemembers and their dependents under the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA). Call 800-934-9555 for details.
Rewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| State Farm Insurance Premiums | 3x | Cash Back | State Farm insurance premium payments | $4,000 | |
| Gas, EV Charging & Groceries | 2x | Cash Back | Gas station, electric vehicle charging, and grocery store purchases | No Cap | |
| All Other Purchases | 1x | Cash Back | Purchases that do not fall into other bonus categories | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1x
Bonus Rate: 3x
Categories: 3% on State Farm insurance premium payments, 2% at gas stations, drugstores, and on eligible purchases at State Farm agents
Quarterly Rotating: No
Cap Amount: $4,000.00
Expiration Policy: Cash rewards do not expire as long as your account remains open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 18 Total
PENDINGLifestyle 1
Visa Signature Concierge Services
24/7 personal assistance24/7 personalized assistance for travel planning, dining reservations, event tickets, and more.
Purchase Protection 2
Purchase Security
Coverage for theft or damageCovers eligible new purchases made with your card against theft or damage for a specified period from the date of purchase.
Extended Warranty Protection
Up to 1 additional yearExtends the manufacturer's original warranty on eligible items purchased with your card for an additional period, typically up to one year.
Rewards 6
Cash Back on State Farm Insurance Premiums
3% cash back, up to $4,000 spent annuallyEarn 3% cash back on eligible State Farm insurance premium payments made with your card.
Cash Back on Gas and Groceries
2% cash backEarn 2% cash back on eligible purchases at gas stations and grocery stores.
Cash Back on All Other Purchases
1% cash backEarn 1% cash back on all other eligible purchases.
Unlimited Cash Back
UnlimitedThere is no limit to the total amount of cash back you can earn, beyond the annual cap on the 3% category.
Non-Expiring Cash Back
Does not expireYour earned cash back rewards do not expire as long as your account remains open and in good standing.
Flexible Cash Back Redemption
Multiple redemption optionsRedeem your cash back as a statement credit, direct deposit into a U.S. Bank account, or as State Farm Loyalty Rewards.
Security 4
Zero Fraud Liability
No liability for unauthorized chargesYou will not be held responsible for unauthorized transactions made with your card or account information.
Lost/Stolen Card Reporting
Assistance serviceAssistance with reporting a lost or stolen card and preventing unauthorized use.
Emergency Card Replacement
Expedited replacementExpedited replacement of your card if it is lost or stolen, typically within 1-3 business days.
Emergency Cash Disbursement
Emergency cash accessProvides emergency cash if your card is lost or stolen, typically available within hours.
Travel Insurance 4
Travel and Emergency Assistance Services
Assistance servicesProvides a range of emergency services when you're traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services received.
Roadside Dispatch
Pay-per-use serviceA pay-per-use roadside assistance program available 24/7 for services like towing, tire changing, jump starting, lockout service, and fuel delivery. A flat rate fee applies per service call.
Auto Rental Collision Damage Waiver
Secondary coverageProvides secondary coverage for damage due to collision or theft for most rental vehicles when you pay for the entire rental transaction with your eligible card and decline the rental company's collision damage waiver (CDW) or similar option.
Travel Accident Insurance
Accidental death and dismemberment coverageProvides accidental death and dismemberment coverage when you purchase your common carrier tickets with your eligible card.
Welcome Offer 1
Welcome Bonus Cash Back
$100 bonus cash backEarn a $100 bonus cash back after spending $1,000 in eligible purchases within the first 90 days of account opening.
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$100
Cash BackRequirement: Spend $1,000 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 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 12 months
Intro BT APR: 0% for 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the State Farm Premier Cash Rewards Visa Signature Card from U.S. Bank is expected to maintain its core application and bonus rules. Eligibility typically requires a good to excellent credit score (generally 700+ FICO), being 18 years or older, a U.S. resident, and possessing a valid SSN or ITIN. Applicants must adhere to U.S. Bank's strict '2/12 Rule,' meaning you cannot be approved for more than 2 new personal credit cards (from any issuer) within the past 12 months. Meeting this rule is crucial for approval. A welcome bonus is generally offered upon meeting a specified spending threshold within the initial 90 days of account opening. U.S. Bank may also favor applicants with an existing banking relationship.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: The primary 'cliff effect' for U.S. Bank applications is the '2/12 Rule,' which restricts approval for new personal credit cards if an applicant has opened 2 or more personal credit cards from any issuer in the last 12 months. This rule applies broadly across all U.S. Bank personal credit products. There are no specific 'card family' restrictions similar to Chase's Sapphire rules.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Excellent cash back on common spending categories (gas, groceries, drugstores), a solid sign-up bonus, and no annual fee make it a strong everyday card, especially for State Farm customers.
Top Negative:
The cap on 3% cash back categories ($2,500 combined purchases per quarter) limits earning potential for high spenders. Foreign transaction fees are a drawback for international travel, and U.S. Bank's approval process can be stringent.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $330.00
Approval Probability: 70.0%
Version Control
PENDINGVersion ID: v1.0