Last Updated: 07/28/2025
SuperMoney User Recommendation Score +50
Strongly recommended8 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
15.99% - 22.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.99% - 22.99%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$49
Number of Reviews
Starbucks Rewards Visa Card Review
This is a store rewards card issued by Chase Bank. If you're wondering whether Starbucks Rewards Visa Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
- Welcome offer. Offers a signup bonus of 4500 points that can be redeemed for travel, gifts, or other perks.
- APRs: Starbucks Rewards Visa Card has a variable regular purchase APR that ranges from 15.99% up to 22.99%.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Starbucks credit card
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Starbucks credit card FAQ
Does Starbucks credit card have a cash back or rewards program?
Starbucks credit card is a rewards card.
| Description |
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 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?
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 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Starbucks Rewards Visa Card 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $49 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $49.
Does Starbucks credit card have a foreign transaction fee?
Starbucks credit card charges a foreign transaction fee of up to 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 customer service number for Starbucks credit card 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.
What is the login page for Starbucks credit card?
You can access the login page of Starbucks credit card here.
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 to the following credit bureaus:
- 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 build your credit.
Does Chase Bank perform a hard credit pull?
Yes, Starbucks credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Starbucks credit card
- Visit the website of Starbucks credit card.
- 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.
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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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM