Earn 3x Points

on Farmers Products², Gas and Home Improvement

A Smarter Rewards Program

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

Introducing the Farmers® Rewards Visa® Cards

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 Products2.

3X Points

for $1 spent on Gas3.

3X Points

for $1 spent on Home Improvement3.

0% Introductory Purchase APR

for 12 months. After that your APR will be 14.74% to 21.74% based on Prime rate and creditworthiness.5

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 opening4.

plus no annual fee5!

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



2 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.

3 Each merchant is assigned a code by a third party that indicates the Merchant’s area of business. 3x Bonus points will only be awarded if the Merchant Code for the purchase matches a category eligible for the offer. Comenity Bank does not have the ability to control assignment of the Merchant Codes

4 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.

5 0% introductory Purchase APR for 12 months. After that your standard variable Purchase APR will be 14.74%, 18.74% or 21.74% base on Prime Rate and your creditworthiness. Balance Transfer and Cash Advance APR of 23.74%, based on 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.