Up to 3% cash back today, build credit for tomorrow.
Get rewarded for making insurance premium payments as well as everyday purchases while building or re-building good credit.1 Plus, there’s no annual fee. This card and all its rewards and benefits are provided through U.S. Bank.
3% cash back
On insurance premium payments, up to $4,000 spent annually.2
2% cash back
At gas stations and electric vehicle charging stations, drug stores, grocery stores and on dining. 1% cash back on all other eligible purchases.
No annual fee
Enjoy all of these benefits, with
no annual fee.
Here's how it works
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Set your credit limit
Start with a deposit between $300 and $5,000. Your deposit is held in a secured savings account. Your card limit is the same amount as your security deposit.
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Build your credit
Spend within your credit limit and pay your bill when it's due. Over time, this will help to build or re-build good credit.
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Get your new card
Once you've built or re-built your credit, you may be able to graduate to the State Farm® Premier Cash Rewards Visa Signature® Card. At that time, your deposit will be returned and you'll be sent a new card.
Additional benefits3
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Dovly Uplift™
Combine advanced credit tools and a proprietary algorithm to help raise your score and maximize your money.
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ID Navigator Powered by NortonLifeLock
ID Navigator Powered by Norton LifeLock provides you with tools so you can act quickly if your identity is threatened.
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Roadside Dispatch®
Depend on emergency roadside assistance. Call on Roadside Dispatch® whenever you’re in need of a tow – available to eligible card members 24/7 with no membership required.
Frequently Asked Questions
U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
The creditor and issuer of this credit card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. State Farm and the State Farm logo are registered trademarks of State Farm Mutual Automobile Insurance Company.
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Return to content, Footnote 1
Late payments and going over the credit limit may damage your credit history.
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Return to content, Footnote 2
Cash back is only earned on eligible Net Purchases. Net Purchases are Purchases minus credits and returns. You will earn 3% cash back for every $1 of the first $4,000 spent annually on Purchases classified as insurance, starting with your January statement and 1% cash back after that. “Annually” is defined as the period of time starting with your January statement (which may include transactions made in December) and running through your December statement (which may not include all transactions made in December). You will earn 2% cash back for every $1 spent on Purchases at merchants classified as gas stations, electric vehicle charging stations, restaurants, fast-food restaurants, bars, grocery stores, food delivery services and drug stores. You will earn 1% cash back for every $1 on all other eligible Purchases. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn cash back if the category code applied to a merchant is in a category that is not eligible for cash back earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional cash back. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle in order to earn and redeem cash back. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank savings or checking account, or as a Rewards Card ($25 minimum redemption). Subject to applicable law, cash back rewards will expire at 11:00 p.m. Central Time at the end of the calendar quarter, that is three (3) years from the date on which they were earned.
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Return to content, Footnote 3
Roadside Dispatch: Certain terms and conditions apply. ID Navigator Powered by NortonLifeLock: No one can prevent all identity theft. Dovly Uplift: While Dovly’s platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
U.S. Bank