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Starbucks® Rewards Visa® Card

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The Starbucks Rewards Visa Card is an expensive option for people who love Starbucks. For $0 first year, then $49 a year and some extra legwork, you’ll earn decent rewards at Starbucks and gain automatic Starbucks Gold status. However, you may be able to earn more rewards value on Starbucks purchases with another card.

Our rating
Min. credit level: Fair
Annual Fee: $0 first year, then $49
Regular APR: 15.99% to 22.99% Variable

Starbucks® Rewards Visa® Card

Our rating
Fair Min. credit level
$0 first year, then $49 Annual Fee
How To Apply

Highlights & Features

Rewards

Spending 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
  • 6,500 Stars for spending $500 in first 3 months; 300 Bonus Stars the first time you digitally load your Starbucks member Card in the app

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 15.99% to 22.99% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3% of the amount of each transaction in U.S. dollars
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.99%
Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater
How to Get a Cash Advance with a Credit Card
ABOUT THE ISSUER

Chase

Chase has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-432-3117 or

Try a different phone number
See all Issuer Cards

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

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.

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.

See more here: Starbucks Stars Rewards: How to Earn Stars and Get Free Drinks.

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