Last Updated: 07/28/2025
SuperMoney User Recommendation Score +50
Strongly recommended8 total votes
Explore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Mostly recommended35 reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
15.99% - 22.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
15.99% - 22.99%(Verified 06/21/2024)
Disclaimer popup with additional information
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
| The Good | The Bad |
|
|
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.
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.
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.
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
Other Services by Chase Bank
Business Checking Accounts
4
4
1
9 Reviews
Money Market Accounts
Rating not yet determined (1 Review)
Money Transfer Services
14
6
22 Reviews
Business Lines of Credit
Be the first to rate
Business Loans
Rating not yet determined (4 Reviews)
Commercial Mortgage
Be the first to rate
Investment Advisors
Be the first to rate
Home Mortgage Loans
17
2
20 Reviews
Other Credit Cards from Chase Bank
Purchase APR
19.99% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
18.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.24%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Purchase APR
20.24% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 28.74%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$795
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 27.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Disclaimer popup with additional information
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +50, or 4 on a 5-point rating scale.
+50
-1000+100
No one recommends
Everyone recommends
Starbucks Rewards Visa Card Community Reviews
Would you recommend Starbucks Rewards Visa Card to your friends?
Mohammed M.
Mar 4, 2022
May or may not recommend
Love they're service and you cant go wrong with the coffee rewards.
DP
David P.
Jan 11, 2022
May or may not recommend
While the rewards sound great, you’ll find using the monthly reward a complete hassle. Location after location even different states I visit very few baristas know how to use the Visa rewards coupon codes. The blank stare, delay, holding up the line and the embarrassment trying to use this. Forget the mangers they don’t know either. Complaining to Starbucks (email and txt) was ignored. I’m ...Show More
LH
Lashane H.
Dec 3, 2021
May or may not recommend
This is an absolute yes! I love the fact that the card offers auto rental collision damage waiver and lots of other perks. this card is vetted for people with fair to good credit.
CH
Camile H.
Nov 12, 2021
May or may not recommend
I would ONLY recommend this of you're a frequent & hardcore Starbucks lover. It has high but complicated rewards & redemptions and gives you a new cardholder bonus BUT it has a $49 annual fee. Plus, you MUST have a good-excellent credit score to obtain it.
VH
Victoria H.
Aug 26, 2021
May or may not recommend
This card is definitely made for the coffee fanatics of the world, though it is not made for me because I have anxiety attacks when I drink too much coffee. I do think that the benefits do help those who are Starbuck fans. For me it just isn't worth it but I would recommend it to someone like my mom who is very much into coffee, (though she is more ...Show More
MF
Molly F.
Jul 9, 2021
May or may not recommend
If you use the Starbucks app, I highly recommend applying for this credit card. You can continue your perk-earning by using the card whenever you go to Starbucks (which let's be honest, is at LEAST once a day), and it feels great to see the Star Rewards rack up in your account. The APR is decent, and this is one of the better corporation credit cards I've found.
KH
Keith H.
Jul 7, 2021
May or may not recommend
Unless you are constantly going to Starbucks 24/7, I do not recommend this card. It's a waste of time to sign up if you won't use it haha.
MW
Madison W.
Dec 2, 2020
May or may not recommend
I frequent starbucks and I love the rewards that I get with this card. I got many stars upon approval, which can be use for free merchandise from any starbucks location and I have been using it on my daily trips and gaining 3 stars per dollar instead of the standard 2. The interest rates are okay and I figured might as well have a card that gives me free ...Show More
Showing 8 of 8 reviews
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
