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  Starbucks Rewards Visa Card

Starbucks Rewards Visa Card

in Personal Credit Cards from Chase Bank

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Starbucks Rewards Visa Card

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in Personal Credit Cards from Chase Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 17.49% - 24.49%
Credit Score Range 600 - 850
Annual Fee $49
Purchase APR  (Variable APR) 17.49% - 24.49%

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

Does Starbucks Rewards Visa Card have a signup bonus?

Starbucks Rewards Visa Card doesn't offer a cash signup bonus. However, it does include a 6500 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does Starbucks Rewards Visa Card offer an annual loyalty bonus?

Starbucks Rewards Visa Card doesn't offer a cash loyalty bonus.

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% .

Does Starbucks Rewards Visa Card have an introductory APR offer on balance transfers?

No, Starbucks Rewards Visa Card does not come with an introductory APR offer for balance transfers.

Does Starbucks Rewards Visa Card have an introductory APR offer on new purchases?

Starbucks Rewards Visa Card does not offer an introductory rate on new purchases.
Starbucks Rewards Visa Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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 have a foreign transaction fee?

Starbucks Rewards Visa 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 a foreign transaction fee.

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.

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...

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
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
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
Card Type
  • Bonus Offers
  • Rewards
  • Store Card
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
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 Assistance
  • Trip Cancellation Insurance
Bonus Rewards 6,500 Stars after you spend $500 on purchases in the first 3 months.
Rewards Categories
  • Every Purchase
  • Restaurants
Signup Bonus (points) 6,500
Rewards Type Points
Cash Advance APR (Variable APR) 26.49%
Balance Computation daily balance method (including new transactions).
Purchase APR (Variable APR) 17.49% - 24.49%
Balance Transfer APR (Variable APR) 17.49% - 24.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%

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