State Farm Business Cash Rewards Visa Signature®
- Annual Fee
- $0
- Top Rate
- 3%
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Excellent
Earning Rates
- 3%
Dining
Earn 3% cash back on dining
- 3%
Gas Stations
Earn 3% cash back at gas stations and electric vehicle charging stations
- 3%
Electric Vehicle Charging
Earn 3% cash back at gas stations and electric vehicle charging stations (EV charging row: same tier as gas, per the issuer's wording)
- 3%
Insurance
Earn 3% cash back on insurance premium payments (up to $4,000 spent annually)
Cap: $4,000/annual
- 3%
Office Supplies
Earn 3% cash back at office supply stores
- 3%
Telecom
Earn 3% cash back at cell phone service providers
- 1%
All Other
Benefits & Perks
Annual Credits & Statement Credits
1 creditsUp to
$100
in recurring credits (annual)
$100 software credit
Receive a $100 credit to your account after 11 consecutive months of eligible software service subscription purchases.
$100
Annual
Insurance & Protections
2 protectionsUp to $600 cell phone protection
$600
Reimbursed up to $600 if your eligible cell phone is stolen or damaged, when you pay your monthly cell phone bill with this card.
Up to $200 auto deductible reimbursement
$200
Reimburses up to $200 of your auto policy deductible on a covered loss, if you made 8+ net purchases with this card in the prior month.
Dining Out
3% cash back at restaurants
$3 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
The Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$60
Annual Fee
-$0
Net Annual Value
+$60
Details & Terms
Payment Terms
| Purchase APR | 17.74%–26.74% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| U.S. Bank Official | U.S. Bank Official |
