Best Credit Card for Insurance
Compare the top credit cards for insurance premiums and policy payments and find which one earns the most rewards.
Top Pick
State Farm Premier Cash Rewards Visa Signature Card
3x on Insurance Premium Payments
Note: This card has a $4,000 annual spending cap for Insurance Premium Payments. Earnings above this amount will be at the base rate.
Before you click out
- This is the best fit only if you actually spend heavily on insurance.
- You are optimizing for rewards without taking on an annual fee.
- If this is your pick, apply now and keep this page open in another tab for reference.
More Good Options
Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate (no bonus for Insurance)
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American Express Membership RewardsBlue Business Plus Credit Card from American Express2xpts/dollar4.0%return2x base rate (no bonus for Insurance)
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Capital OneCapital One Venture Rewards2xpts/dollar3.7%return2x base rate (no bonus for Insurance)
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Citi ThankYou PointsCiti Double Cash2xpts/dollar3.6%return2x base rate (no bonus for Insurance)
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Rewards Calculator
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Quick summary
A short version of the recommendation with the main numbers and fallback option.
For insurance premiums and policy payments, State Farm Premier Cash Rewards Visa Signature Card is currently our top overall pick at 3x, which works out to about 3.0% back using CardCurator's current point valuations. 3x on Insurance Premium Payments. At $500/month of spend, the top card is worth about $180/year before signup bonuses or statement credits. Summary generated July 8, 2026. Source: https://cardcurator.ai/best-credit-card-for/insurance
- State Farm Premier Cash Rewards Visa Signature Card: 3x and 3.0% effective return.
- At $500/month, that's about $180/year in rewards value before bonuses.
- State Farm Premier Cash Rewards Visa Signature Card is the current no-fee fallback at 3x (3.0% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card for Insurance?
The State Farm Premier Cash Rewards Visa Signature Card is currently the top pick for insurance premiums and policy payments, earning 3x points per dollar — an effective 3.0% return.
How many points do you earn on Insurance purchases?
The top-rated card for insurance premiums and policy payments, the State Farm Premier Cash Rewards Visa Signature Card, earns 3x per dollar — an effective return of 3.0%.
Is there a no-annual-fee card that earns rewards on Insurance?
Yes — the State Farm Premier Cash Rewards Visa Signature Card earns 3x on insurance premiums and policy payments with no annual fee (3.0% effective return).
Is a premium card worth the annual fee for Insurance spending?
The Bilt Palladium Card ($495/yr) earns 2x on insurance premiums and policy payments. If you spend $1,031/month or more on insurance, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Insurance?
State Farm Premier Cash Rewards Visa Signature Card: $180/yr, Bilt Palladium Card: $240/yr, Blue Business Plus Credit Card from American Express: $240/yr. The State Farm Premier Cash Rewards Visa Signature Card earns the most at $500/month.
Do rotating category cards earn on Insurance?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature insurance as a 5% bonus category for one quarter per year. Year-round, a dedicated insurance card typically outperforms rotating category cards since you can't always count on the bonus.