The Farmers Insurance Federal Credit Union is a personal credit card from Farmers Insurance Federal Credit Union. The annual fee is $99 (waived for the first year). The ongoing APR is 16.49% to 18.00% variable, based on creditworthiness (rates current as of January 26, 2026); agreement formula: prime rate plus a margin of 9.74% to 14.75%, maximum APR including any penalty APR 18.00% after a 0.00% introductory APR on purchases made in the first 6 billing cycles after account opening (purchases only; no intro balance-transfer rate) introductory rate for 6 months. Signup bonus: $100 Visa statement credit after at least $5,000 in purchases within the first 3 months of new card opening; paid within 90 days after the qualifying period; limit one bonus per member number. Rewards: 3% cash back on qualifying purchases (minus returns) in the first year of the account, 2.5% after the first year; cash back accrual capped at $10,000 in eligible purchases per statement cycle; cash back does not expire; minimum redemption $25. Loan terms: Revolving personal credit card; payment due the 20th of each month; minimum payment 2% of the balance or $30, whichever is greater, plus past-due amounts; no interest on purchases if the entire balance is paid by the due date and the previous balance was zero. This product reports activity to your personal credit report. EXPERT REFERENCE (Jun 2025): FIGFCU approved for $20,000