Starbucks Rewards™ Visa® Card


For People with
Fair Credit

REVIEWS

Reviews

The Starbucks Rewards Visa Card is issued by Chase and may sound great, but it’s probably a bit disappointing for all but the most die-hard java heads.

You’ll earn up to 3X Stars per $1 spent at Starbucks, but it takes a bit more work than you might expect:

  • 1X Star per dollar spent with this card to digitally load your registered Starbucks member Card in the Starbucks App
  • 2X Stars for every dollar spent at Starbucks with your registered Starbucks member Card

And you’ll also get 1X Star per two dollars spent at Grocery stores, on Local transit/commuting, and Internet, cable, and phone services, plus 1X Star for every four dollars spent outside of Starbucks.

This rewards program could be a bit confusing, so take note: You’ll get 1X Star when you use the Starbucks Rewards Visa Card to digitally load your Starbucks member Card in the Starbucks mobile app. Then you’ll get an additional 2X Stars at Starbucks stores when you pay with your member Starbucks Card.

So, to get 3X Stars for Starbucks purchases, you need to use the Starbucks credit card to digitally load your Starbucks member Card, and then pay with your member Card.

This rewards credit card offers two introductory bonuses to claim, including a signup bonus:

  • 4,500 Stars for spending $500 on purchases in the first 3 months after account opening
  • 250 Bonus Stars the first time you use the Starbucks Rewards Visa Card to digitally load your registered Starbucks member Card in the Starbucks App

You’ll get 8 free Barista Picks per year, at a rate of about one every six weeks. You’ll also get automatic Starbucks Gold status, which comes with a variety of perks including monthly double star days, free in-store refills, and the ability to redeem 125 Stars for a Starbucks reward, like food and beverage items.

It’s difficult to estimate a cash back equivalent for this card, because the value you get per Star will depend on what you redeem them for. Redeem them for the most expensive food and drink items possible to get the most out of this card.

This card has a $49 annual fee, so we don’t recommend getting it unless you’re a true caffeine addict and find yourself at Starbucks practically every time you leave the house.

Where can I use my Starbucks Rewards™ Visa® Card?

You can use this card at Starbucks and everywhere else Visa is accepted.

Card Quick Facts

Card Quick Facts

  • Up to 3X Stars per dollar spent at Starbucks, and 1X Star per four dollars spent everywhere else
  • 4,500 Stars after you spend $500 on purchases in the first 3 months after account opening
  • 250 Bonus Stars the first time you use this credit card to load your Starbucks member Card in the Starbucks App
  • Free Barista Picks 8 times per year
  • Automatic Starbucks Gold member status, with perks like free in-store refills, birthday rewards, and monthly double-star days
  • Every 125 Stars can be redeemed for a Starbucks Reward
  • $49 annual fee

For People with
Fair Credit

REVIEWS

Reviews

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Card Details

Rewards

Rewards

  • Up to 3X Stars per dollar spent at Starbucks:
    • 1X Star per dollar spent with this card to digitally load your Starbucks member Card in the Starbucks App
    • 2X Stars per dollar spent at Starbucks with your Starbucks member Card
  • 1X Star per two dollars spent on:
    • Grocery stores
    • Local transit/commuting
    • Internet, cable, and phone services
  • 1X Star per four dollars spent everywhere else

Introductory Bonus

  • 4,500 Stars for spending $500 in the first 3 months; 250 Bonus Stars the first time you use this credit card to load your Starbucks member Card the app
Card Stats

Card Stats

Annual Fee $49
Additional Cards Annual Fee -
Regular Purchase APR 18.24%–25.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 18.24%–25.24% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • 8 Free Barista Picks Annually

    Each year you’ll get eight coupons for free Barista Pick drinks. They’ll come at a rate of about one every eight weeks.

  • Automatic Starbucks Gold Member Status

    Gold status comes with perks like monthly double star days, a personalized gold card, birthday rewards, and free in-store refills. As a Gold members, you can redeem 125 Stars for a Starbucks Reward.

  • $0 Liability Protection

    You won’t be held responsible for unauthorized charges. Contact the card issuer immediately if you suspect fraud.

  • Extended Warranty Protection

    Eligible warranties of three years or less can be extended by an additional year.

  • Purchase Protection

    Eligible new purchases are covered for 120 days against damage or theft.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision damage for eligible rented vehicles (must decline the rental company’s insurance).

  • Trip Cancellation/Interruption Insurance

    Get reimbursed for up to $1,500 per trip for prepaid, non-refundable passenger fares if your trip is cut short or cancelled for eligible reasons.

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