Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

Starbucks® Rewards Visa® Card review

Compare Compare  
Advertiser Disclosure

Annual Fee
$49.00
Interest Rate: Purchases
16.24% ‐ 23.24% (Variable)
Interest Rate: Purchases
16.24% ‐ 23.24% (Variable)
Balance Transfer
16.24% ‐ 23.24% (Variable)
Balance Transfer
16.24% ‐ 23.24% (Variable)
Rewards
-
Rewards
-
Signup Bonus
-
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 15 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...


CNBC
CNBC

The Starbucks credit card is worth considering if you frequently visit Starbucks locations. The flexible value of the Stars you earn can help you save, sometimes even significantly, on your coffee bill. However, because a Starbucks drink can be anywhere from $3-7, someone who is on a budget would li...

- Brett Holzhauer, CNBC
The Balance
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, Katrina Munichiello, The Balance
SimpleMoneyLyfe
SimpleMoneyLyfe

What it comes down to is that you really have to love Starbucks® coffee and buy a reasonable amount of it for the Starbucks® Rewards Visa® Card to hold a significant value for you. While it does offer some robust earning potential when you combine it with the app-based loyalty card reload bonus, you...

- Drew Cheneler, SimpleMoneyLyfe
NerdWallet
NerdWallet

For loyalists who rarely let a day pass without a run to Starbucks, the card's perks are well worth the annual fee. But casual customers should probably pass.

- Claire Tsosie, NerdWallet
One Mile at a Time
One Mile at a Time

If you are a frequent Starbucks customer I don’t think you’ll lose anything by getting this card, since the Barista Picks should justify the annual fee on an ongoing basis. However, beyond that there just aren’t many exciting perks to this card, and there are better cards in terms of the rewards for...

- Ben, One Mile at a Time

Details


Interest Rates
Regular APR Interest Rate 16.24% ‐ 23.24% (Variable)

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

Balance Transfer Interest Rate 16.24% ‐ 23.24% (Variable)

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

Cash Advance Interest Rate 25.24% (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 $40.00

Maximum

Promotions
Sign up bonus
  • Get 4500 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 Yes
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)
  • Roadside Dispatch
  • Free year of DoorDash DashPass
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments -
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Starbucks® Rewards Visa® Card

Rate It: