State Farm Premier Cash Rewards Visa Signature®
The State Farm Premier Cash Rewards Visa Signature® from U.S. Bank earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a bonus of $150 cash back by spending $500 in the first 90 days of being approved for the State Farm® Premier Cash Rewards Visa Signature® Card.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the State Farm Premier Cash Rewards Visa Signature earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the State Farm Premier Cash Rewards Visa Signature reward caps and conditions?
The State Farm Premier Cash Rewards Visa Signature has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 2% cash back on dining.
- 2% cash back at gas stations and electric vehicle charging stations
- 2% cash back at grocery stores
Who should get the State Farm Premier Cash Rewards Visa Signature?
The State Farm Premier Cash Rewards Visa Signature fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
State Farm Premier Cash Rewards Visa Signature fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 29% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the State Farm Premier Cash Rewards Visa Signature have an annual fee, and what's the welcome bonus?
The State Farm Premier Cash Rewards Visa Signature has an annual fee of $0 and a foreign transaction fee of None. New applicants may see: Earn a bonus of $150 cash back by spending $500 in the first 90 days of being approved for the State Farm® Premier Cash Rewards Visa Signature® Card.. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
- Signup bonus
- Earn a bonus of $150 cash back by spending $500 in the first 90 days of being approved for the State Farm® Premier Cash Rewards Visa Signature® Card.
What benefits come with the State Farm Premier Cash Rewards Visa Signature?
The State Farm Premier Cash Rewards Visa Signature includes Auto deductible reimbursement, Booking.com, Cell phone protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Auto deductible reimbursement
Cut down on unexpected expenses. 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.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Cell phone protection
Protect your cell phone every time you pay your bill. 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.
- Dovly Uplift™
Combine advanced credit tools and a proprietary algorithm to help raise your score and maximize your money.
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. 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.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
- OpenTableIncluded with Visa Signature®
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Common questions about the State Farm Premier Cash Rewards Visa Signature
Does the State Farm Premier Cash Rewards Visa Signature have an annual fee?
The State Farm Premier Cash Rewards Visa Signature carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the State Farm Premier Cash Rewards Visa Signature?
Dining is the strongest Madeen category for the State Farm Premier Cash Rewards Visa Signature at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the State Farm Premier Cash Rewards Visa Signature charge foreign transaction fees?
The State Farm Premier Cash Rewards Visa Signature does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the State Farm Premier Cash Rewards Visa Signature welcome bonus?
The State Farm Premier Cash Rewards Visa Signature welcome offer in our snapshot: Earn a bonus of $150 cash back by spending $500 in the first 90 days of being approved for the State Farm® Premier Cash Rewards Visa Signature® Card.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the State Farm Premier Cash Rewards Visa Signature?
Madeen's catalog lists a typical credit range of Excellent for the State Farm Premier Cash Rewards Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the State Farm Premier Cash Rewards Visa Signature?
Rewards on the State Farm Premier Cash Rewards Visa Signature post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the State Farm Premier Cash Rewards Visa Signature compare to similar cards?
Compare the State Farm Premier Cash Rewards Visa Signature against U.S. Bank Altitude Go Visa Signature (4% on Dining, $0 fee); SKYPASS Select Visa Signature (3.2% on Dining, $450 fee); SKYPASS Visa Signature (3.2% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
State Farm Premier Cash Rewards Visa Signature This card | Dining | 2% | $0 |
U.S. Bank | Dining | 4% | $0 |
U.S. Bank | Dining | 3.2% | $450 |
U.S. Bank | Dining | 3.2% | $99 |
U.S. Bank | Dining | 3.2% | $99 |
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