Cash back · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
U.S. Bank State Farm Premier Cash Rewards Visa Signature is a no-annual-fee cash back card from U.S. Bank. Its best everyday rates are 3% on insurance, 2% on dining, and 2% on drugstores; everything else earns 1%. Insurance is capped at $4,000 a year, then drops to the base rate.
On our reference budget of $24,600 a year it returns about $366, an effective 1.5% back. The welcome bonus, $150 after $500 in 90 days, is the strongest reason to open it in a given year.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
2% cash back on dining.
2% cash back at drugstores
2% cash back at gas stations and electric vehicle charging stations
2% cash back at grocery stores
Cap: $4,000 per annual
3% cash back on insurance premium payments, up to $4,000 annually
Earn a bonus of $150 cash back by spending $500 in the first 90 days of being approved for the State Farm® Premier Cash Rewards Visa Signature® Card.
Cut down on unexpected expenses. You can get reimbursed up to $200 of your auto policy deductible when you experience a covered loss, if you make a minimum of 8 net purchases in the prior month.
Protect your cell phone every time you pay your bill. Your eligible cell phone can be reimbursed up to $600 in the event it is stolen or damaged when you pay your monthly cell phone bill.
Combine advanced credit tools and a proprietary algorithm to help raise your score and maximize your money.
These come from Visa, not from U.S. Bank. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
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This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
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When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
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Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| State Farm Premier Cash Rewards Visa Signature®This card · 3% on insurance | None | $366 | +$366 | 512th of 1,291 |
| U.S. Bank Cash+® Visa Signature®U.S. Bank's most-held other card · 5% on department stores | None | $642 | +$642 | 7th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
