Earn 3x Points

on Farmers Products¹, Gas and Home Improvement

A Smarter Rewards Program

You will be directed to Comenity Bank's site
apply product

Introducing the Farmers® Rewards Visa® Cards²

Apply for the Farmers Rewards Visa and Visa Signature® cards and watch your rewards add up quickly.  Once you become a cardholder, you'll start enjoying exclusive benefits and rewards.  Use your points for a credit card statement credit to offset purchases or redeem points for travel, gift cards, and merchandise.  

With the Farmers Rewards Visa, you earn:

3X Points

for $1 spent on Farmers Products1.

3X Points

for $1 spent on Gas.

3X Points

for $1 spent on Home Improvement.

0% Introductory Purchase APR

on all purchases for the first 12 months. After that the APR will be 13.49% to 20.49% based on current Prime Rate and your creditworthiness4.

1,000 Points

Annual thank you bonus.

3,000 Bonus Points

After you spend $500 in purchases outside of Farmers within the first 90 days of account opening3.

plus no annual fee4!

Rewards Calculator

Earn unlimited points with no expiration date.

Enter your approximate annual spending in each category and see how quickly points add up.


Farmers Rewards Points



Statement Credit*


*Statements credits are awarded in increments of $25.

APPLY NOW You will be directed to Comenity's Bank site



1 The Farmers Rewards Program is provided by Comenity Bank which is solely responsible for the Program operation. 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 your agent for details. See comenity.net/farmersrewardsvisa for Rewards Terms and Conditions.

2 The Farmers® Rewards Visa® and Visa Signature® credit card accounts are issued by Comenity Bank pursuant to a license from Visa USA Inc.

3 Bonus of 3,000 points will be awarded to new cardholders accounts. To qualify and receive your bonus points you must make purchases outside of Farmers totaling $500 or more within the first 90 days of account opening. Qualifying transactions do not include using your account for Account Assure Pro, balance transfers, cash advances or using any checks that access your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. This onetime bonus offer is valid only for first-time Farmers Rewards Visa and Visa Signature cardholders with new accounts.

4 0% introductory Purchase APR for 12 months. After that your standard variable Purchase APR will be 13.49%, 17.49% or 20.49% based on Prime Rate and your creditworthiness. Balance Transfer and Cash Advance APR of 22.49%, based on the Prime Rate. Balance Transfer Fee of the greater of $10 or 3% of the amount of the balance transfer. Cash Advance Fee of the greater of$ 10 or 5% of the amount of the cash advance. Convenience Check Fee as the greater of $10 or 5% of the amount of the convenience check. Foreign Transaction Fee of 3% of each transaction in U.S. dollars. Minimum interest charge is $2.00 per credit plan.