Starbucks® Rewards Visa® Card

Quick Snapshot

• Annual Fee: $0
• APR: 21.49%-28.49% variable
• Rewards: 3X Stars per dollar at Starbucks, 1X Stars per dollar everywhere else
• Bonus: $100 Starbucks bonus after first purchase
• Best For: Dedicated Starbucks customers who want to maximize Stars and reach Gold Status
• Credit Needed: Good to Excellent (670+)

Overview

The Starbucks Rewards Visa Card is purpose-built for frequent Starbucks customers who are already active in the Starbucks Rewards program. It earns 3 Stars per dollar at Starbucks locations (on top of Stars earned through the Starbucks app) and 1 Star per dollar on all other purchases. Since Starbucks Rewards members typically earn 2 Stars per dollar when paying through the app, using this card loaded to the Starbucks app can yield a combined rate of up to 5 Stars per dollar at Starbucks.

Cardholders receive automatic Starbucks Rewards Gold Status, which unlocks a personalized gold card, monthly double-Star days, and a birthday reward. The $100 Starbucks bonus after first purchase is effectively a statement credit or loaded as Stars to your Starbucks account, giving you an immediate reward for signing up.

With no annual fee, this card makes sense as a companion card for anyone who spends regularly at Starbucks. The 1 Star per dollar on non-Starbucks purchases adds incremental value for reaching free reward thresholds faster. However, the Stars earned outside Starbucks cannot be redeemed for cash or transferred, so this card is best viewed as a Starbucks loyalty accelerator rather than a general-purpose rewards card.

APR Breakdown

• Purchase APR: 21.49%-28.49% variable
• Balance Transfer APR: 21.49%-28.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: Up to 29.99% variable

Note: Your APR will vary with the market based on the Prime Rate. There is no introductory APR offer on this card.

Benefits Overview

Starbucks Stars Earning

• 3X Stars per dollar spent at Starbucks
• 1X Stars per dollar on all other purchases
• Stars from the card stack with Stars earned through the Starbucks app
• Combined earning of up to 5 Stars per dollar at Starbucks when using the app

Gold Status and Perks

• Automatic Starbucks Rewards Gold Status
• Personalized gold Starbucks Rewards card
• Monthly double-Star day
• Birthday reward each year
• Free drink or food item every 150 Stars

Card Benefits

• $100 Starbucks bonus after first purchase
• No annual fee
• Stars never expire as long as the card account is open
• Track Stars and rewards through the Starbucks app

Rewards & Points

• 3X Stars per dollar at Starbucks locations
• 1X Stars per dollar on all other purchases

Starbucks Stars can be redeemed starting at 25 Stars for espresso shot customization, 50 Stars for a brewed coffee or tea, 150 Stars for a handcrafted drink or food item, 200 Stars for a packaged lunch or salad, and 400 Stars for select merchandise or packaged coffee. When using the Starbucks card loaded via this credit card, you earn both the credit card Stars and the in-app Stars.

Welcome Bonus

Earn a $100 Starbucks bonus after making your first purchase with the card. The bonus is typically applied as 1,000 bonus Stars or a Starbucks eGift card equivalent, giving you enough for multiple free handcrafted drinks or food items right away.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: Either $5 or 5% of the amount, whichever is greater
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: 3%
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Daily Starbucks visitors who spend $100 or more per month at Starbucks
• Starbucks Rewards members who want to accelerate Star earning and maintain Gold Status
• Coffee enthusiasts who want their everyday spending to fuel free Starbucks drinks
• No-annual-fee seekers who want a companion card that adds value at their favorite coffee shop

Not Good For

• Infrequent Starbucks visitors who would earn more with a general cash back or travel card
• Cash back seekers since Stars can only be redeemed at Starbucks
• Travel rewards enthusiasts who need points transferable to airlines and hotels

Key Pros & Cons

Pros

• 3X Stars at Starbucks stacks with in-app earning for up to 5X total
• Automatic Gold Status with monthly double-Star days
• $100 Starbucks bonus after first purchase with no spending requirement
• No annual fee
• 1X Stars on all other purchases accelerates free reward earning
• Stars never expire while the card account remains open
• Birthday reward every year as a Gold Status member
• Easy integration with the Starbucks mobile app
• Free drink or food at 150 Stars is achievable quickly

Cons

• Stars can only be redeemed at Starbucks with no cash option
• 1X on non-Starbucks purchases is below average for a rewards card
• 3% foreign transaction fee
• No 0% intro APR offer
• No travel protections or purchase insurance benefits
• Value is entirely dependent on your Starbucks spending habits
• Not competitive as a primary everyday card
• Limited redemption flexibility compared to general rewards programs

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value: approximately $556 including the $100 bonus, 3X Stars at Starbucks (assuming $200/month), and 1X on other spending. Value assumes Stars redeemed at 150 per handcrafted drink (~$6.67 value per 150 Stars).

Should You Get This Card?

You Should Get It If...

• You visit Starbucks daily or multiple times per week
• You are already a Starbucks Rewards member and want Gold Status
• You want your everyday spending to earn free Starbucks drinks and food
• You value the $100 bonus with no minimum spending requirement
• You want a no-annual-fee companion card for Starbucks earning

You Should Skip It If...

• You visit Starbucks only occasionally and would earn more with a general card
• You prefer cash back or flexible rewards over Starbucks-only Stars
• You want a primary everyday card with competitive base earning rates
• You travel internationally and need no foreign transaction fees
• You want travel protections, purchase insurance, or other premium benefits

Apply Now

Apply for Starbucks® Rewards Visa® Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.