Starbucks® Rewards Visa® Card review

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Advertiser Disclosure

Interest Rate: Purchases
15.99% ‐ 22.99% (Variable)
Balance Transfer
15.99% ‐ 22.99% (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 13 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...


Investopedia

The Starbucks Rewards Visa is a fine card for loyal Starbucks customers who want to redeem their rewards for free drinks and other items. In general, however, the card is mediocre, with limited redemption options and a $49 annual fee.

- Miranda Marquit, Investopedia
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
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
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

Details


Interest Rates
Regular APR Interest Rate 15.99% ‐ 22.99% (Variable)

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

Balance Transfer Interest Rate 15.99% ‐ 22.99% (Variable)

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

Cash Advance Interest Rate 24.99% (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 $39.00

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
Virtual Cards 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
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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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