Starbucks Rewards Visa Card

Starbucks Rewards Visa Card Review

This is a store rewards card issued by Chase Bank. If you're wondering whether Starbucks credit 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.
• 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 odds if your credit score is above 600.

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. Potentially 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 credit. Cardholders can earn rewards on purchases everywhere Starbucks Rewards Visa Card is accepted. 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 ($)	N/A
Signup Bonus (Points/Miles)	4500
Signup Bonus Spend Requirement	$500
Signup Bonus Spend Period (months)	3 months

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. 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% .

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 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.