State Farm credit cards are great for earning rewards or avoiding interest if you have the excellent credit typically needed to qualify for an account. You can learn more about the latest State Farm credit card offers below. If you have a question about an existing account, you can reach State Farm credit card customer service at 877-734-8472.
Best State Farm Credit Card Offers in January 2026
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
4.0
Market Comparison
4.0
fees: 4.0
rewards: 0.0
cost: 3.7
APR: 5.0
Purchase Intro APR→0% for 18 months
Transfer Intro APR→0% for 18 months|Transfer Fee:5% (min $5)
The 0% introductory APR applies to balance transfers made within 60 days of account opening.
Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill with your card.
You can get reimbursed up to $200 of your auto policy deductible when you experience a covered loss, if you make a minimum of 8 net purchases in the prior month.
Add up to an additional year to your qualifying warranty with Extended Warranty Protection.
Travel and emergency assistance.
Dovly Uplift™ - Combine advanced credit tools and a proprietary algorithm to help raise your score and maximize your money.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Earn a bonus $150 cash back by spending $500 in the first 90 days of being approved for the new card.
Earn 3% cash back on insurance premium payments, up to $4,000 spent annually.
Earn 2% cash back at gas stations and electric vehicle charging stations, drug stores, grocery stores and on dining, including takeout and food delivery services.
Earn 1% cash back all other eligible purchases.
Cash back is redeemed in the form of a statement credit or a deposit made to a savings or checking account, or as a U.S. Bank Rewards Card ($25 minimum redemption).
Additional Info
Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill.
Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security, available when you pay with your covered card.
Dovly Uplift™ - Combine advanced credit tools and a proprietary algorithm to help raise your score and maximize your money.
You can get reimbursed up to $200 of your auto policy deductible when you experience a covered loss, if you make a minimum of 8 net purchases in the prior month.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.3
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
Purchase Intro APR→0% for 21 months from account opening
Transfer Intro APR→0% for 21 months from account opening on qualifying balance transfers|Transfer Fee:5% (min $5)
Regular APR→17.49%, 23.99%, or 28.24% Variable
Purchase Intro APR
0% for 21 months from account opening
Transfer Intro APR
0% for 21 months from account opening on qualifying balance transfers|Transfer Fee:5% (min $5)
Regular APR
17.49%, 23.99%, or 28.24% Variable
annual fee
$0
rewards rate
None
minimum credit
Good
WalletHub's Take: The Wells Fargo Reflect® Card is a very good credit card, and it’s worth considering if you have good credit or higher and you want to avoid interest charges on purchases and qualifying balance transfers for 21 months after opening an account. Wells Fargo Reflect also has a $0 annual fee.
Pros
No membership fees
0% intro APR on purchases
0% intro APR on qualifying balance transfers
Reports to the three major credit bureaus
Cons
No rewards
No initial rewards bonus
Balance transfer fee
High regular APR
Additional Info
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.2
fees: 3.8
rewards: 4.3
cost: 4.6
Other Features: 0.0
Purchase Intro APR→0% for 15 months
Transfer Intro APR→0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR→18.24% - 27.74% (V)
Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
18.24% - 27.74% (V)
annual fee
$0
rewards rate
1.5 - 5% Cash Back
Bonus Offer
$200
Bonus Offer
$200
minimum credit
Good
WalletHub's Take: Chase Freedom Unlimited is a very good credit card, according to WalletHub’s proprietary 100-point card rating system. It’s worth applying for the Chase Freedom Unlimited card if you have a good credit score and you want to earn rewards as well as enjoy low introductory interest rates without paying an annual fee.
Pros
$200 initial bonus
Earn rate: 1.5 - 5% cash back
0% for 15 months on purchases and balance transfers
$0 annual fee
Cons
Balance transfer fee
Foreign transaction fee
Potential for a high regular APR
Rewards Details
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Additional Info
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Pros, Cons, & Details
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
At 68 years old, I have never experienced more ineptitude than I have dealing with this company. I responded to a pre-approved offer in the mail, which clearly stated 0% on balance transfers and new purchases for 15 months. I was approved quickly. I set up a balance transfer, then it was an unbelievable downhill ride from there. I called customer service to verify the transfer was on record. The first customer service representative tells me the card has 18% interest. When I tried to explain that we were pre-approved for 0%, it was pointless. I told them to cancel the balance transfer that they had no record of anyway. Then I was hung up on. I called back and went through the same story with a second rep and was hung up on as well. By now I'm fuming, so I call back a third time with the same result. I tell them to cancel the card immediately and am told it takes 24-48 hours. I go to bed aggravated and wake up to a phone call the next day from the underwriting department. I was apologized to and told I was approved for 0%. When I explain that I spoke to three different representatives who gave me nothing but misinformation, I was told I should not call at night. I tell the representative (Mica) I believe I will call back in 24 hours because I don't believe anything anyone has told me. I call back and Diane answers the phone, and I go through the story again. She tells me once a card is canceled, you cannot uncancel it. When I tell her that is not what I was told yesterday, I was dismissed quite rudely. Then another rep calls me back and apologizes for all the personnel I have spoken with and tells me cards can be uncanceled and 0% is still available if I still want it. After all this, I tell her to keep your card; I have many other options. I rarely write reviews; however, this level of total unprofessionalism, rude uninformed customer service, bait-and-switch offers, and total lack of understanding put me over the edge.
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Product: State Farm Bank Credit Cards
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Bob Pristas @weightlifterbob
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1 Star Rating
Did not receive the 3% cash back on my Medicare insurance premium for the last two months. I called them, and they said the MCC code must have changed. Even though the merchant's name includes insurance and the category under the charge says health insurance, they claim there is nothing they can do about it!
Poor Customer Service on Credit Card Reward Benefit Programs. They offer an Auto Deductible Reimbursement Program of $200 if you use the card 8 or more times in the preceding month. However, the site fails to track properly. When I called customer service about that issue, they seemed to be completely unaware that the benefit even existed. No help there. Other than the 3% rewards on insurance premiums, this is a mediocre credit card at best. I'd give 0 stars but 1 is the lowest allowed.
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Product: State Farm Bank Credit Cards
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Goodfitz @Goodfitz
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1 Star Rating
Their online access is so glitchy I can nev er accomplish my task without calling a live representative. I changed my password and was sent a notice 35 days later that it expired and was locked out. No tech support was available until "regular business hours". This seems to be a very inconvenient trend.
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Product: State Farm Bank Credit Cards
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Kathleen @kathleens_167
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5 Star Rating
Verified Customer
My experience with State Farm Good Neighbor Visa has been great!! I received a fair credit limit from the beginning. This card also has a lower interest rate than my other cards. Love it!!
Very unprofessional, missed one payment and you reduced my limit significantly. I made an error with my banking info while making payment via phone y’all the worst!
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Product: State Farm Bank Credit Cards
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cfvanlaar @cfvanlaar
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1 Star Rating
After 20 years of membership State Farm decided to increase our APR due to an error that State Farm insurance made and reported incorrect information to my Credit report. It took a month to fix the error on my report. Now SF demands I write a letter and request them that I want my APR lowered to my previous rate because they do not accept requests by phone or form online. I do not normally report or leave reviews online but this behavior needs to stop. I will find another card.
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Product: State Farm Bank Credit Cards
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0
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DONNA @donnap_1755
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4 Star Rating
Verified Customer
I can only say that I am extremely happy with State Farm insurance, and my State Farm Credit Card wonderful people Nothing but good experiences.
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Product: State Farm Bank Credit Cards
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vetra217 @vetra217
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5 Star Rating
While I have not applied for a Credit Card with State Farm I have had all my insurance with them for years...I have no intention of ever leaving...best insurance and best customer service anywhere!!!! My daughter and her husband have insurance with them since they have been married (30 years) and they had never had a claim until 12 years ago and their house caught on fire....the claim was 135,000.00 to redo the house and they paid everything and have yet to raise their rates............love this company!!!!
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Product: State Farm Bank Credit Cards
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Review State Farm Credit Cards Reviews
State Farm Credit Card FAQ
Get answers to your questions about State Farm Credit Cards Reviews below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make a State Farm credit card payment online, by phone or by mail. To pay a State Farm credit card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. State Farm does allow cardholders to set up automatic payments, too.
Ways to Make a State Farm Credit Card Payment
Online: Log in to your online account and find the payment button.
By phone: Call (833) 728-0344 and enter your card information when prompted, then follow the prompts to make a credit card payment.
By mail: Send a check or money order (but not cash) to
Cardmember Service PO Box 790408 St. Louis, MO 63179-0408.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a State Farm payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
The State Farm Bank credit score requirement ranges from 700 to 750, depending on the card. That means people with good to excellent credit, are eligible to be approved for a State Farm Bank credit card.
If your credit score is below the threshold needed for a State Farm Bank credit card, it's best to wait to apply until you meet the credit score requirement. You can check your credit score for free on WalletHub.
The State Farm Student card currently offers 3 points for every $1 spent on insurance premium payments. The card will detect automatically the insurance premium payments.
All other purchases will earn you 1 point for every $1 spent.
When it comes to the credit score for the State Farm Bank Student Visa card, it's best if you have no score. That being said, if you're a student and you already have an established credit history, you need at least 640 to have a good chance of approval.
You have to be enrolled in anything after high school, such as non-degree certificate programs (trade school), community colleges, and colleges/universities.
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* The information about the following cards has been independently collected
by WalletHub: State Farm Bank Good Neighbor Visa® Credit Card, State Farm Premier Cash Rewards Visa Signature® Card, and State Farm Business Cash Rewards Visa Signature® Card.
