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4,500
Points as welcome offer
Up to 3x
Points
$49
Annual fee
15.99% to 22.99%
Purchase APR (variable)
Annual fee | $49 |
---|---|
Welcome Offer | 4,500 Stars after spending $500 in the first 3 months |
Rewards | Up to 3x Stars in Starbucks, 1x Stars for every $2 on groceries, transit, internet, cable and phone and 1x Stars for every $4 on all other purchases |
Purchase APR | 15.99% to 22.99% variable |
Balance transfer APR | 15.99% to 22.99% variable |
Recommended minimum credit score | 670 |
Issuer | Visa |
Review by
Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.
In a perfect world, the Starbucks Rewards™ Visa® Card would have no annual fee. Unfortunately, it has a moderate yearly cost, which leads to a natural question: Is the card worth it?
The card has an excellent signup bonus. But consider whether you’ll spend enough at Starbucks to make the annual fee worth paying.
Ask yourself these questions: Will you use all of your Barista Picks offers, and will you load at least $425 onto your Starbucks Card each card year? If the answer is no, you might get more out of a dining or general rewards credit card. If the answer is yes, this product might be right for you.
The Starbucks Rewards™ Visa® Card isn’t for casual Starbucks-goers. But the regular who loves using the Starbucks app and redeeming Stars for the most valuable food or drink items will likely pull in enough rewards to offset the annual fee.
If you’re still not sure the card is for you, you might prefer a cashback card instead.