THE CARDTUNED DATABASE
State Farm Business Cash Rewards Visa Signature Card
Issuer: U.S. Bank · Network: Visa
3% cash back on the first $4,000 in annual insurance purchases; 3% at eligible gas/EV, cell phone, office supply and dining merchants; 1% other; $100 annual software credit
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% introductory APR on purchases and balance transfers for 12 billing cycles; transfers must be made within 60 days
- Regular APR
- 17.49%–26.49% variable purchase and balance-transfer APR after the introductory period
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
No separate cash welcome bonus; the primary new-account offer is the introductory APR
- Time window
- 12 billing cycles
Offer last checked: 2026-09-07
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 3% | cash back on the first $4,000 in annual insurance purchases |
| Dining & Gas & EV charging | 3% | at eligible gas/EV, cell phone, office supply and dining merchants |
| Other purchases | 1% | other |
Additional benefits
• 0% introductory APR on purchases and qualifying balance transfers for 12 billing cycles
• $100 annual software-subscription credit
Restrictions to know
Balance transfers must be made within 60 days and carry a 5% fee with a $5 minimum. The 3% insurance rate is capped at $4,000 per annual rewards period; gas/EV transactions over $200 do not receive the accelerated category rate. The software credit requires qualifying direct subscription purchases. Merchant coding, business-use and account-good-standing rules apply.
Who can apply
Business owner or authorized signer requirements apply; subject to U.S. Bank credit approval and identity verification.
Credit profile: Issuer underwriting applies; no universal public score cutoff