For those who frequently make big purchases or make a purchase everyday, Farmers Insurance FCU offers the Farmers Insurance FCU Crystal Visa Credit Card, featuring a welcome offer of 3% Cash Back On Everything in your first year of card membership. After, it turns into 2.5% cash back on everything.

To redeem your cash back, you must have a minimum of $50. Also if you’re looking for a inexpensive credit card, this card offers a 0% introductory APR on all purchases for six months and a $99 annual fee that is waived first year.

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Table of Contents

Farmers Insurance FCU Crystal Visa Credit Card Summary

Bonus Available	Get 3% cash back on all purchases for the first year, then 2.5% cash back
*Bonus Value	N/A
Travel Credit	No travel credit
Ongoing Rewards/Benefits	Earn 3% cash back on all purchases for the first year, then 2.5% cash back.
Foreign Transaction Fees	No
Airport Lounge Access	N/A
Annual Fee	$99, first year waived

Apply Now at Farmers Insurance FCU

(Visit Farmers Insurance to learn more about this card.)

* Bonus value is an estimated value calculated by HustlerMoneyBlog and not the card issuer. View the latest valuations here.

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Farmers Insurance FCU Crystal Offer

Make sure you sign up for Farmers Insurance FCU Crystal Visa Credit Card’s bonus offer where you can earn 3% cash back on eligible net purchases for the first year, then 2.5% after. To redeem your rewards you must have at least $50.

Farmers Insurance FCU Crystal Membership

Membership is open to:

Farmers Insurance (including Foremost, Bristol West and 21st Century)
Employees, agents, and agents’ employees
Employees and agents of Farmers New World Life
Immediate family members of current members and eligible non-members
Retirees
Employees of Farmers Financial Services

Other groups by state:

Arizona
- City of El Mirage
- Orangewood Village Mobile Home Owners, Phoenix
California
- Acoustical Material Supply, Santa Fe Springs
- B & T Industries, Merced
- California Panel & Veneer Company, Cerritos
- Central Valley Diagnostics Laboratory, Merced
- Circle Freight International, Inglewood
- Coldwell Banker, Merced
- George Industries, Los Angeles
- Greater Merced Chamber of Commerce (voting members)
- International Hair/Nails, Merced
- Leed Plastics Corp., Los Angeles
- Lipton Foods, Merced
- Merced County Association of Realtors
- Merced Hispanic Chamber of Commerce
- Omnikron Systems, Inc., Los Angeles
- Palomar Cleaners, Carlsbad
- Re/Max Associates, Oceanside
- Signet Armorlite, Inc., San Marcos
- S.L. Fusco, Inc., Rancho Dominguez
- Sondo Services, Inc., Los Angeles
- Surface Protection Industries, Inc., Los Angeles
- Teradyne, Agoura Hills
- Toyota of Merced
- Western Flight, Inc., Carlsbad
Colorado
- CareCore, Colorado Springs
Florida
- Bristol West (all locations)
Idaho
- Greater Pocatello Chamber of Commerce (voting members)
Kansas
- Grundfos, Inc., Olathe, Kansas
Oklahoma
- Shepherd Mall Management Co., Oklahoma City
- Shepherd Mall Security, Oklahoma City
Oregon
- Teradyne, Tualatin

Bottom Line

It is difficult to qualify for this card because it is only in certain states and in certain locations, however the Farmers Insurance FCU Crystal Visa Credit Card is a great card for big spenders. One of the major downsides is that this card has a hefty $99 annual fee but it is waived the first year.

However, if you’re looking for other redemption options or you don’t spend enough to break even on the cost of the annual fee, take a look at the alternative options above or our full list of the best credit card bonuses to find out which one is the best for you.

The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.