| Rewards | 3X points on: Gas Grocery stores Dining 2X points on: Select Farm Bureau partner purchases (including insurance/membership in some states) 1X point on everything else |
|---|---|
| Signup Bonus | 10,000 bonus points after spending $500 in the first 90 days |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 26.99% variable APR |
| Cash Advance Fee | Greater of: $10 4%–5% of the transaction amount |
| Late Payment Fee | Up to $35 |
| Purchases APR | 11.74% to 26.74% variable APR (based on creditworthiness) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Farm Bureau Member Rewards Mastercard is a mid-tier rewards credit card aimed at Farm Bureau members, offering bonus points on everyday spending like gas, groceries, and dining, plus a straightforward flat rate on everything else. It usually comes with no annual fee and a modest welcome bonus rather than flashy intro offers or premium travel perks.
Most users say they like the simple structure and solid 3X earning categories, especially for households with steady spending on fuel and groceries. Many reviewers also appreciate that it’s a no-annual-fee rewards card that’s actually usable day-to-day, not overly complicated with rotating categories or redemption hoops.
On the downside, a lot of cardholders mention that the rewards aren’t very competitive compared to top-tier cash back cards, especially outside its bonus categories. Some also point out that it lacks strong travel benefits, elevated sign-up bonuses, or long-term earning potential. Others feel the value depends heavily on already being part of the Farm Bureau ecosystem.
Personally, I think this card is best for Farm Bureau members who want a simple, no-fee everyday spender with decent category rewards. But if you’re optimizing for maximum cash back or travel perks, there are stronger, more flexible cards on the market.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
H
Actually Worth the farm focused perks
As a rural small business owner this card surprised me. Points stack up fast and rewards genuinely help with fuel and equipments purchases it feels like it was designed for people like me.
I
Disappointed by Limited Value
I thought the this card would be great, but rewards accumulate slowly and feel niche. For my everyday spending, it hasn't delivered meaningful benefits pretty underwhelming overall.
