Starbucks® Rewards Visa® Card review

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Advertiser Disclosure

Interest Rate: Purchases
17.74% ‐ 24.74% (Variable)
Balance Transfer
17.74% ‐ 24.74% (Variable)
Rewards
-
Signup Bonus
-


6.1/10
Informr score
The Starbucks® Rewards Visa® Card currently has an Informr score of 6.1 out of 10. This score is based on our evaluation of 12 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Starbucks® Rewards Visa® Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Balance

You might be a good fit for the Starbucks Rewards Visa Card (issued by Chase) if you’re a pot-a-day coffee drinker. It’ll take someone with that sort of drive to put up with this card’s clunky rewards system. But for those who do, the card offers amped up rewards-earning possibilities with every per...

- Lindsay Vansomeren, The Balance
CreditCards.com

You would have to drink a spectacular number of Frappuccinos to justify the $49 annual fee on the Starbucks Rewards Visa card.

- Robin Ratcliff, CreditCards.com
NerdWallet

It’s not the most lucrative credit card available for everyday spending, but it’s a relatively affordable way to treat yourself on a regular basis, save some cash on your coffee runs and taste-test all the priciest items on the Starbucks menu. For enthusiastic Starbucks customers, its frequent freeb...

- Claire Tsosie, NerdWallet
Cardcruncher

The Starbucks Credit Card is for regular Starbucks customers who are looking to earn a little something extra for their loyalty. But it probably won’t become your go-to card for everyday purchases. If you’re looking for something more flexible, you’re better off with a traditional cash-back rewards...

- Kailey Fralick, Cardcruncher
The Simple Dollar

If you’re a Starbucks enthusiast, definitely continue shopping at their store, but please do not sign up for this sorry excuse for a rewards card. There are tons of cash-back cards that will let you accrue a higher rate of rewards without an annual fee. With most options, you can use your cash-back...

- Holly Johnson, The Simple Dollar

Details


Interest Rates
Regular APR Interest Rate 17.74% ‐ 24.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.74% ‐ 24.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $49.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus

- Get 6500 stars after you spend $500 on purchases in the first 3 months.

- Get 300 Stars when using their Starbucks Rewards Visa Card to load their registered Starbucks Card within the Starbucks mobile app for the first time.

Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

- Earn 1 star for every $1 you digitally load to your registered Starbucks Card on your App

- Earn 2 stars when you pay with your registered Starbucks card or your registered Starbucks Card on your App

- Earn 1 star per $4 spent on all other purchases

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection Yes
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Additional Benefits

- Trip Cancellation / Interruption Insurance

- 8 complimentary food or beverage items (Barista picks)

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


The Balance

Good rewards earning rate for Starbucks purchases

from The Balance

You might be a good fit for the Starbucks Rewards Visa Card (issued by Chase) if you’re a pot-a-day coffee drinker. It’ll take someone with that sort of drive to put up with this card’s clunky rewards system. But for those who do, the card offers amped up rewards-earning possibilities with every perk-up purchase.

Read full review

You might be a good fit for the Starbucks Rewards Visa Card (issued by Chase) if you’re a pot-a-day coffee drinker. It’ll take someone with that sort of drive to put up with this card’s clunky rewards system. But for those who do, the card offers amped up rewards-earning possibilities with every perk-up purchase.

Read full review

Less

CreditCards.com

Rewards earnings are on the low side

from CreditCards.com

You would have to drink a spectacular number of Frappuccinos to justify the $49 annual fee on the Starbucks Rewards Visa card.

Read full review

You would have to drink a spectacular number of Frappuccinos to justify the $49 annual fee on the Starbucks Rewards Visa card.

Read full review

Less

NerdWallet

For loyalists, the card's perks are well worth the annual fee

from NerdWallet

It’s not the most lucrative credit card available for everyday spending, but it’s a relatively affordable way to treat yourself on a regular basis, save some cash on your coffee runs and taste-test all the priciest items on the Starbucks menu. For enthusiastic Starbucks customers, its frequen...More

It’s not the most lucrative credit card available for everyday spending, but it’s a relatively affordable way to treat yourself on a regular basis, save some cash on your coffee runs and taste-test all the priciest items on the Starbucks menu. For enthusiastic Starbucks customers, its frequent freebies and surprises make it a steal, even with the $49 annual fee.

Read full review

Less

Cardcruncher

Good with Starbucks Rewards App, not much else

from Cardcruncher

The Starbucks Credit Card is for regular Starbucks customers who are looking to earn a little something extra for their loyalty. But it probably won’t become your go-to card for everyday purchases. If you’re looking for something more flexible, you’re better off with a traditional cash-back rewards card.

Read full review

The Starbucks Credit Card is for regular Starbucks customers who are looking to earn a little something extra for their loyalty. But it probably won’t become your go-to card for everyday purchases. If you’re looking for something more flexible, you’re better off with a traditional cash-back rewards card.

Read full review

Less

The Simple Dollar

The earning structure on this card is pretty laughable

from The Simple Dollar

If you’re a Starbucks enthusiast, definitely continue shopping at their store, but please do not sign up for this sorry excuse for a rewards card. There are tons of cash-back cards that will let you accrue a higher rate of rewards without an annual fee. With most options, you can use your cash-back rewards in any way you want.

Read full review

If you’re a Starbucks enthusiast, definitely continue shopping at their store, but please do not sign up for this sorry excuse for a rewards card. There are tons of cash-back cards that will let you accrue a higher rate of rewards without an annual fee. With most options, you can use your cash-back rewards in any way you want.

Read full review

Less

Credit Karma

For loyal Starbucks customers

from Credit Karma

The Starbucks Rewards™ Visa® Card is geared toward customers who frequently stop by Starbucks to get their coffee fix. But if you’re more of a casual Starbucks® customer, you may find better value from another rewards credit card.

Read full review

The Starbucks Rewards™ Visa® Card is geared toward customers who frequently stop by Starbucks to get their coffee fix. But if you’re more of a casual Starbucks® customer, you may find better value from another rewards credit card.

Read full review

Less

Credit Cards Explained

For Starbucks loyalists

from Credit Cards Explained

If you’re a frequent Starbucks customer then you’ll probably find a lot of value in the Starbucks Rewards Visa Card. The 2,500 stars you receive as a signup bonus have a value of roughly $100. Add in the automatic Gold status and the earnings potential for Starbucks purchases and this could be a great card for the right person.

Read full review

If you’re a frequent Starbucks customer then you’ll probably find a lot of value in the Starbucks Rewards Visa Card. The 2,500 stars you receive as a signup bonus have a value of roughly $100. Add in the automatic Gold status and the earnings potential for Starbucks purchases and this could be a great card for the right person.

Read full review

Less

MagnifyMoney

Leaves a lot to be desired

from MagnifyMoney

It isn’t as alluring as you may think. This card has a $49 annual fee and some tricky terms to look out for, so you have to take that into consideration to see if this card is worthwhile. The average person may find it more beneficial to stick with the free rewards program.

Read full review

It isn’t as alluring as you may think. This card has a $49 annual fee and some tricky terms to look out for, so you have to take that into consideration to see if this card is worthwhile. The average person may find it more beneficial to stick with the free rewards program.

Read full review

Less

ValuePenguin

Only has value for true Starbucks die-hards

from ValuePenguin

The Starbucks Rewards Visa Card is only valuable for users spend over $50 a week at Starbucks. Consumers who spend less than this amount won't recoup enough value to to make up for its annual fee of $49.

Read full review

The Starbucks Rewards Visa Card is only valuable for users spend over $50 a week at Starbucks. Consumers who spend less than this amount won't recoup enough value to to make up for its annual fee of $49.

Read full review

Less

One Mile at a Time

Doesn’t offer a compelling return on spend

from One Mile at a Time

I’ve gotta be honest, I don’t see much value here at all. A sign-up bonus that gets you up to 22 free drinks or snacks is worth at most $110, at a valuation for $5 per item. That’s not even factoring in the annual fee.

Read full review

I’ve gotta be honest, I don’t see much value here at all. A sign-up bonus that gets you up to 22 free drinks or snacks is worth at most $110, at a valuation for $5 per item. That’s not even factoring in the annual fee.

Read full review

Less

User Reviews


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