Farmers® Credit Account Application

Step 1: Application

Credit Card

Cardmember Benefits:

  • 0% introductory purchase APR for the first 12 months.  After that the APR is 15.24% to 22.24% based on the Prime Rate and creditworthiness.2
  • 3 points/$1 spent on Farmers products, Gas and Home Improvement
  • 1 point/$1 spent everywhere else Visa is accepted
  • Points redeemable for statement credit, travel, gift cards, merchandise and more1

1,2See All Benefits

View Rewards Terms & Conditions

Your Personal Information

-Select One-

Why do you need my Social Security number?

We use this information to verify your identity and obtain credit bureau information.

Why do you need my income?

In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

Contact Information

PO Box mailing addresses are not accepted.
-Select One-

By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email.

Add Authorized Buyer

Authorized buyers are allowed to purchase on your Account; however, as the primary account holder, you are responsible for payments on all purchases.

You may add one authorized buyer to your account at this time. Once your account is open, you may add up to four total authorized buyers.

Add an Authorized Buyer to your account?

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The Farmers® Rewards Visa® account



The more you spend, the more points you earn with the Farmers® Rewards Visa® Card. Earn triple points on your gas, home improvement, and Farmers Insurance products, and one point for each dollar spent on all other purchases.1

  • 3X points for $1 spent on Farmers products
  • 3X points for $1 spent on Fuel / Gas
  • 3X points for $1 spent on Home Improvement
  • 1X points for $1 spent everywhere else Visa is accepted
  • 0% introductory APR on all purchases in the first 12 months. After that the APR is 15.24% to 22.24% based on Prime Rate and creditworthiness.2
  • 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 products. You can also redeem points for travel, gift cards, merchandise and more!1

1The Farmers Rewards Program is provided by Comenity Bank which is solely responsible for the Program operation and all Rewards. Comenity Bank may change the terms of the Program at any time. Not all insurance products are eligible to be purchased on a credit card. See agent for details.

2Subject to credit approval. The Farmers Rewards Visa® credit card account is issued by Comenity Bank pursuant to a license from Visa USA Inc.


Reward Terms and Conditions

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Important Information About Your Credit Report.

What is a credit report?  A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

How did we use your credit report?  We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

What if there are mistakes in your credit report?  You have a right to dispute any inaccurate information in your credit report. 

If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?  Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at or the Federal Trade Commission's web site at

What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.

Your credit score as of 10/24/2019: 0


We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.

Here are the most significant factors in determining your score:

If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.


Your Temporary Account

Credit Card
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Name: Temporary Account Number: CVC/CVV: Expires On: Temporary Credit Limit: $0 Please sign here:
This temporary card is not valid until signed.

Know how to use your Temporary Card

Please write down the temporary card information below and keep it in a secure place.  This information will be unavailable after you leave this page. Use of this temporary credit account number is subject to the terms outlined in the credit card agreement, as amended from time to time.  

You may use your temporary Card as if it were your actual credit card with the following restrictions. Once any of the limitations below is met, your temporary account number will no longer be valid for use:

  • You may only use this temporary account number to make payments on Farmers Products
  • You may only make up to 5 purchases in a 48 hour period
  • Your 5 purchases cannot exceed $0.00 on your temporary account number
  • You may use this temporary account number for up to 48 hours from the time you are approved
  • You may not be able to use the temporary card number to set up automated payments or future dated payments

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