Best of
4 Best State Farm Credit Cards of 2019
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State Farm may be best known as an insurance provider, but it also offers an assortment of credit cards, some of which offer bonus rewards when you pay your insurance premiums with your eligible State Farm card.
There is a catch when it comes to applying: Online applications can be submitted only by State Farm customers/policyholders or State Farm Bank account holders. Otherwise, you'll have to call or visit a local State Farm agent to apply.
State Farm may be best known as an insurance provider, but it also offers an assortment of credit cards, some of which offer bonus rewards when you pay your insurance premiums with your eligible State Farm card.
There is a catch when it comes to applying: Online applications can be submitted only by State Farm customers/policyholders or State Farm Bank account holders. Otherwise, you'll have to call or visit a local State Farm agent to apply.
Best State Farm Credit Cards From Our Partners
Our pick for
Spending on premiums
Annual Fee
$0
Regular APR
14.24% - 24.24% Variable APR
Intro APR
0% on Purchases and Balance Transfers for 12 months
Recommended Credit Score
Pros
The opportunity on this card to earn bonus rewards on your insurance premium spending is a rare find. With an annual fee of $0, it won't cost you anything to carry it either.Cons
Once you hit $4,000 in annual spending on insurance premiums, the rewards rate drops to a mediocre 1 point per dollar. Squeezing the best value out of your points when you're ready to redeem can be complicated and cumbersome.- Earn 1 State Farm Loyalty Rewards® point for every $1 spent on eligible purchases.
- Earn 3 points for every $1 spent on insurance premium payments, up to $4,000 annually.
- Redeem points for merchandise, travel, and eligible State Farm® products.
- Redemption premium when points are applied toward a qualifying State Farm product.
- Enhanced Security with Chip Card Technology
Our pick for
0% intro APR period
Annual Fee
$0
Regular APR
13.24% - 23.24% Variable APR
Intro APR
0% on Balance Transfers for 12 months
Recommended Credit Score
Pros
For those who qualify for the lower end of the APR range, the State Farm® Good Neighbor Visa® Credit Card has a lower-than-average interest rate and a decent 0% APR offer: 0% introductory annual percentage rate (APR) on balance transfers for 12 months, and then the ongoing APR of 13.24% - 23.24% Variable APR.Cons
There are no rewards with the State Farm® Good Neighbor Visa® Credit Card, and you can likely find longer 0% APR offers on purchases and/or balance transfers.- No annual fee
- 0% introductory APR on balance transfers for 12 months, thereafter a variable rate of 14.99% to 24.99% APR based on creditworthiness. This APR will vary with the market based on the Prime Rate.
- New Chip Card Technology provides greater security.
Our pick for
Students
Annual Fee
$0
Regular APR
15.24% - 23.24% Variable APR
Intro APR
N/A
Recommended Credit Score
Pros
There aren't many cards for those with just-OK credit that also let you earn rewards, but the State Farm® Student Visa® Credit Card is one of them. With this $0-annual-fee card, you'll get 1 point for every $2 spent on eligible purchases and 3 points per $1 spent on insurance premium payments, on up to $4,000 spent annually. Cardholders are also eligible for student discounts from Visa.Cons
There are other cards on the market aimed at students that offer more robust rewards. Redemption options include State Farm products and gift cards but not cash back. The State Farm® Student Visa® Credit Card has a 3% foreign transaction fee, making it a poor choice for use abroad.- Earn 1 State Farm Loyalty Rewards® point for every $2 spent on eligible purchases.
- Earn 3 points for every $1 spent on insurance premium payments, up to $4,000 annually.
- Competitive annual percentage rates.
- Many student discounts provided by Visa.
Our pick for
Business owners
Annual Fee
$0
Regular APR
14.74% - 21.74% Variable
Intro APR
0% introductory APR on purchases for 6 months
Recommended Credit Score
Pros
The card pays above-average rewards of 3 points for every $1 spent on insurance premium payments, up to $4,000 annually; 2 points for every $1 spent on eligible travel and office supply purchases; and 1 point for every $1 spent on all other purchases. Get a little extra time to pay off a big purchase for your business with the card's 0% intro APR offer.Cons
Other small-business cards may offer rewards that are more aligned with your company's expenses. Anyone seeking a sign-up bonus should look elsewhere, as the State Farm Bank® Business Visa® Credit Card doesn't have one.- Earn 3 State Farm Loyalty Rewards® points for every $1 spent on insurance premium payments, up to $4,000 annually.
- Earn 2 points for every $1 spent on eligible travel and office supply purchases.
- Earn 1 point for every $1 spent on all other purchases.
- Redeem points for merchandise, travel, and eligible State Farm® products.
- Visa Shopping, travel, and protection benefits.
| Credit Card | Best For | Intro APR | Regular APR | Annual Fee | Learn More |
|---|---|---|---|---|---|
 State Farm® Rewards Visa® Credit Card | Spending on premiums | 0% on Purchases and Balance Transfers for 12 months | 14.24% - 24.24% Variable APR | $0 | Read review |
 State Farm® Good Neighbor Visa® Credit Card | 0% intro APR period | 0% on Balance Transfers for 12 months | 13.24% - 23.24% Variable APR | $0 | Read review |
 State Farm® Student Visa® Credit Card | Students | N/A | 15.24% - 23.24% Variable APR | $0 | Read review |
 State Farm Bank® Business Visa® Credit Card | Business owners | 0% introductory APR on purchases for 6 months | 14.74% - 21.74% Variable | $0 | Read review |
Last updated on May 29, 2020
