THE CARDTUNED DATABASE
State Farm Premier Cash Rewards Visa Signature Card
Issuer: U.S. Bank · Network: Visa
3% cash back on the first $4,000 in annual insurance purchases; 2% at gas/EV stations, drug stores, grocery stores and dining; 1% other eligible purchases
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- None
- Regular APR
- 17.49%–30.49% variable purchase APR
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
$150 cash back after $500 in eligible purchases within 90 days
- Spending requirement
- $500 in eligible purchases
- Time window
- Within 90 days
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 |
| Selected categories | 2% | at gas/EV stations, drug stores, grocery stores and dining |
| Other purchases | 1% | other eligible purchases |
Additional benefits
• $150 cash back after $500 in eligible purchases within 90 days
• Auto-deductible reimbursement, cell-phone protection and purchase-security benefits
Restrictions to know
The $150 bonus requires $500 in eligible purchases within 90 days. The 3% insurance rate applies to the first $4,000 per annual rewards period, then 1%. Merchant category coding and account-good-standing rules apply; rewards expire three years after being earned. State Farm agent-channel first-year insurance earning promotions may differ.
Who can apply
U.S. applicant; subject to U.S. Bank credit approval and identity verification. State Farm agent-channel earning promotions may vary.
Credit profile: Issuer underwriting applies; no universal public score cutoff