| Rewards | None. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | None. |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable; account-specific. |
| Cash Advance Fee | Either $10 or 5% of the amount of each advance, whichever is greater |
| Late Payment Fee | Up to $40 |
| Purchases APR | 0% introductory APR for 18 billing cycles, then a variable APR based on creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
The State Farm Good Neighbor Visa Credit Card is a no-annual-fee card issued by U.S. Bank that stands out mainly for its introductory 0% APR period rather than rewards. It can be useful for purchases or balance transfers when managing short-term financing.
Most users say the $0 annual fee and lengthy introductory APR are the card’s biggest advantages. Many reviewers mentioned that the straightforward terms can make it useful for people who want to avoid interest during the promotional period.
On the downside, the card does not offer a traditional rewards program or signup bonus, which can make it less appealing compared with cash-back cards. Some users may also find the regular APR less attractive once the introductory period ends.
Personally, I think the Good Neighbor Visa makes the most sense for State Farm customers who value a long introductory APR period and simple terms. If earning ongoing cash back, points, or travel rewards is your priority, I’d compare other no-annual-fee cards before applying.
I picked up this state farm good neighbor visa because I liked the idea of a community oriented card, and it's held up well for my daily spending. The rewards aren't huge, but the points add up steadily, and managing the account online has been smooth. Customer service is genuinely helpful and friendly when I've needed support. A dependable card I don't mind carrying