The State Farm Premier Cash Rewards Visa Signature Card is the best card for State Farm — it earns 3x and 3x on Insurance Premium Payments.
Updated July 2026
Best Credit Card for State Farm
Compare the top credit cards to maximize your rewards every time you shop at State Farm.
Choosing the right card for State Farm can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
How CardCurator ranks this merchant
These rankings use current earn rates, annual fee drag, reward value, and merchant-category fit. They are based on live card data, not a fixed sponsored list.
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.
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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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Quick summary
A short version of the recommendation with the main numbers and tradeoffs.
At State Farm, State Farm Premier Cash Rewards Visa Signature Card is currently our top overall pick at 3x, which works out to about 3.0% back based on CardCurator's current point valuations. 3x on Insurance Premium Payments. On $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/merchant/state-farm
- 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 also the best no-annual-fee option.
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card to use at State Farm?
The State Farm Premier Cash Rewards Visa Signature Card is currently the top pick at State Farm, earning 3x points per dollar — an effective 3.0% return. 3x on Insurance Premium Payments
How many points do I earn at State Farm per dollar spent?
Top cards earn between 2x and 3x at State Farm. Leading options include: State Farm Premier Cash Rewards Visa Signature Card (3x), Bilt Palladium Card (2x), Blue Business Plus Credit Card from American Express (2x).
Does State Farm count as insurance for credit card rewards?
State Farm typically falls under the Insurance category for credit card reward purposes. Cards with a insurance spending bonus will earn an elevated rate here. Choosing the right card for State Farm can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
Is there a no-annual-fee card that earns well at State Farm?
Yes — the State Farm Premier Cash Rewards Visa Signature Card has no annual fee and earns 3x at State Farm (3.0% effective return). 3x on Insurance Premium Payments
Is a premium card worth the annual fee for State Farm spending?
The Bilt Palladium Card ($495/yr) earns 2x at State Farm. If you spend $1,031/month or more there, the category rewards alone offset the annual fee — before counting travel credits and other perks that often exceed $500 in value on premium cards.
Which card earns the most if I spend $500 per month at State Farm?
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.
Also earning in Insurance
Need a situation-specific recommendation?
Merchant rankings are a good starting point, but the best card can change if you care more about international use, business spending, or lower-friction approval.