This card is built for regular Starbucks customers who spend enough in the app or in stores to care more about Stars than flexible rewards. It works best as a specialist card for loyal coffee buyers, not as an everyday card for most of your spending.
All information about Starbucks® Rewards Visa® has been collected independently by MaxRewards. Starbucks® Rewards Visa® is no longer available through MaxRewards.
Frequent Starbucks runs
In-app Starbucks spending
Stars over cash back
For someone who buys Starbucks often and actually redeems Stars for drinks, food, or merchandise, the Starbucks Rewards Visa can make sense. The card earns strongly at Starbucks, and the welcome offer has real value if you already spend there. If your routine includes several Starbucks purchases a week, that extra earning can add up faster than it would on a general rewards card.
The harder part is the $49 annual fee. Outside Starbucks, the rewards rates are very limited, and even the bonus categories at grocery stores, transit, and telecommunications are modest. Most readers will get better long-term value from a no-annual-fee cash back card and simply pay for Starbucks separately. This card is worth it for committed Starbucks fans who want to build Stars faster and stay engaged with the brand, but it is a narrow fit.
A solid fit for loyal Starbucks customers who spend heavily with the brand and want to earn Stars faster. For anyone looking for a primary rewards card, the annual fee and weak non-Starbucks earnings make it hard to recommend.
4,500 Stars after you spend $500 on purchases on your new card in your first 3 months of card membership.
Est. Value
$135
Required Spend
$500
Time Frame
3 Months
Est. Value
$135
Required Spend
$500
Time Frame
3 Months
What's your average monthly spend?
You should easily hit the bonus threshold with this spend!
Rewards percent based on a valuation of 3¢ per Starbucks Stars
This card earns Starbucks Stars, not cash back or flexible travel points, so the value depends on how often you redeem within the Starbucks ecosystem. The rewards story is simple: strong returns at Starbucks, then a sharp drop-off on almost everything else.
Starbucks
Grocery
Telecommunication
Transit
Everywhere
Est. Annual Rewards
Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Roadside Dispatch
If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need – anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Extended Warranty Protection
Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Trip Cancellation / Interruption Insurance
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Annual Fee
$49
Purchase APR
16.24% - 23.24%
Variable
Transfer APR
16.24% - 23.24%
Variable
Cash Advance APR
25.24%
Variable
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $2,500
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
Terms apply.
See rates & fees.Earn 100,000 bonus points
Worth $1,250
After you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
Terms apply.
See rates & fees.Earn 100,000 bonus points
Worth $1,250
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
Terms apply.
See rates & fees.
