Starbucks Rewards Visa Card Review

Starbucks Rewards Visa Card is a store rewards credit card issued by Chase Bank. If you're wondering whether Starbucks Rewards Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• Generous reward rate. You will get a a rewards rate of 3 points per dollar spent.
• Signup bonus. Offers a signup bonus of 6500 points after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 24.49%.
• 5% Balance transfer fee. Starbucks Rewards Visa Card charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, purchase protection, travel assistance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

Starbucks Rewards Visa Card Pros and Cons:

The Good

The Bad

Earn 300 Bonus Stars the first time you use your Starbucks® Rewards Visa® Card to digitally load your registered Starbucks Card in your App. Barista Picks 8 times a year. A selection of food and drink items chosen by Starbucks® baristas for cardmembers Earn up to 3 Stars per $1 spent at Starbucks stores. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty and price protection on purchases. Free access to your credit score. Travel assistance insurance Trip cancellation insurance. Considers applicants with fair or poor credit. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Starbucks Rewards Visa Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

There is annual fee $49 for this card. If you are not mainly a coffee person, this card is not the right one for you. Higher than average purchase APRs. Charges an annual fee of $49 Charges a foreign transaction fee of 3%. Charges a 5% balance transfer fee.

Is there a Starbucks Rewards Visa Card cash back or rewards program?

Starbucks Rewards Visa Card offers a rewards program to its customers.

Starbucks Rewards Visa Card Rewards

Rewards rate (all purchases)	0.25%
Max rewards rate	3%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	6500
Signup Bonus Spend Requirement	$500
Signup Bonus Spend Period (months)	3 months

What are the Starbucks Rewards Visa Card benefits?

Starbucks Rewards Visa Card provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Price Protection
• Travel Assistance
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Starbucks Rewards Visa Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Starbucks Rewards Visa Card has higher than average purchase APRs.

Starbucks Rewards Visa Card has a variable purchase APR that ranges from 17.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 24.49%. It also has a variable cash advance APR of 26.49% .

What are the fees for Starbucks Rewards Visa Card?

The following fees apply to Starbucks Rewards Visa Card:

Starbucks Rewards Visa Card Fees

Fees	Amount
Annual Fee	$49
Foreign Transaction Fee	3%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

Does Starbucks Rewards Visa Card report your account activity to credit bureaus?

Starbucks Rewards Visa Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Starbucks Rewards Visa Card

• Visit the Starbucks Rewards Visa Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.