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  Starbucks Rewards Visa Card

Starbucks Rewards Visa Card

in Personal Credit Cards from Chase Bank

Claimed

Starbucks Rewards Visa Card

Claimed

in Personal Credit Cards from Chase Bank

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Purchase APR  (Variable APR) 15.99% - 22.99%
Balance Transfer APR  (Variable APR) 15.99% - 22.99%
Credit Score Range 600 - 850
Annual Fee $49

Starbucks Rewards Visa Card Review

This is a store rewards credit card issued by Chase Bank. If you're wondering whether Starbucks credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of 4500 points after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Starbucks Rewards Visa Card has a variable purchase APR that ranges from 15.99% up to 22.99%.
  • 5% Balance transfer fee. Starbucks Rewards Visa Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $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, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Starbucks credit card
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.
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Starbucks Rewards Visa Card reports to multiple credit bureaus.
  • 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.
  • Charges an annual fee of $49
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.
Starbucks credit card FAQ

Does Starbucks credit card have a cash back or rewards program?

Starbucks credit card is a rewards card.

Starbucks credit card Rewards
Minimum rewards rate 0.25x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 4500
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does Starbucks credit card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 4500 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does Starbucks credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Starbucks credit card benefits?

It 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 Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Starbucks credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 15.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 22.99%. It also has a variable cash advance APR of 24.99% .

Does Starbucks credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Starbucks credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Starbucks credit card?

The following fees apply:

Starbucks credit 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 credit card have a foreign transaction fee?

Starbucks credit card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Starbucks credit card?

The Starbucks credit card customer service number is (877) 242-7372.

What is the support contact email for Starbucks credit card?

The support contact email for Starbucks credit card is customerdepartament@chase.com.

How do people rate the customer service and user experience of Starbucks credit card?

Overall, Starbucks credit card is strongly recommended based on community reviews that rate customer service and user experience.

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

Yes, 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 may help improve your credit.

How to apply for Starbucks credit card

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

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Annual Fee $49
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • 2x Points on Internet / Cable / Phone Services
  • 4x Points on Retail
  • 2x Points on Groceries
  • 1x Point on Every Purchase
Signup Bonus (points) 4,500
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance method (including new transactions).
Purchase APR (Variable APR) 15.99% - 22.99%
Balance Transfer APR (Variable APR) 15.99% - 22.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Store Card
  • Bonus Offers
Card Network Visa

Starbucks Rewards Visa Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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