The more you spend, the more points you earn with the Farmers® Rewards Visa® Card. Earn 3 points per dollar on your Farmers Insurance Products2, gas and home improvement retailers2, and one point for each dollar spent on all other purchases.2

  • 3 points per $1 spent on Farmers Insurance Products2
  • 3 points per $1 spent on Fuel / Gas2
  • 3 points per $1 spent on Home Improvement Retailers2
  • 1 point per $1 spent everywhere else Visa is accepted2

All these perks with no annual fee3

  • 0% intro APR for the first 12 months from account opening on all purchases made with your Farmers Rewards Visa Credit Card. After that, purchase APR of 20.49%, 17.24%, or 13.49% 1
  • No annual fee.3
  • Keep the points you earn! Your points never expire and there's no limit to the amount you can earn.
  • Redeem points for a statement credit to offset purchases, including Farmers Insurance Products. You can also redeem points for travel, gift cards, merchandise and more!

1New accounts only. The introductory rate applies to your account balance from account opening. After the introductory period ends, the variable purchase APR applies to any remaining balance. Balance Transfer APR of 26.99%. Cash Advance variable APR of 22.24%. Balance Transfer Fee of the greater of $10 or 5% of the transfer. Cash Advance Fee of the greater of $10 or 5% of the advance. Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due.

2Offer is exclusive to Farmers Rewards Visa Credit Card holders enrolled in the Farmers Rewards Program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant's area of business. Comenity Bank does not have the ability to control assignment of merchant codes. This rewards program is provided by Comenity Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see

3Click Here for important rate, fee, and other cost information.

Credit card offers are subject to credit approval.

Farmers Rewards Visa Credit Card Accounts are issued by Comenity Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.

Farmers®  and Apple Pay
Pay with your Phone. From your Wallet.

You can add your Farmers® Rewards Visa® to Apple Pay. Pay quickly and securely at stores, restaurants, hotels and anywhere Apple Pay is accepted.

Learn More