Last updated: 5/21/2021

Starbucks Rewards Visa

Earns: Starbucks Stars

GigaTake:

If you actually understand how to value Starbucks Stars then a) you are a better person than we are and b) this may be a decent card for you. All others should pass Go and find another card.

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Starbucks Stars
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

${{totalAmount | number}} =

{{totalAmount | number}} =

${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

See how the Starbucks Rewards Visa compares to other credit cards

Starbucks Rewards Visa Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 0.5x

Value = 3 cents per point
Effective Value = 1.5 %

0%
7%

Reward Rate = 0.5x

Value = 3 cents per point
Effective Value = 1.5 %

0%
4%

Reward Rate = 0.5x

Value = 3 cents per point
Effective Value = 1.5 %

0%
5%

Reward Rate = 0.25x

Value = 3 cents per point
Effective Value = 0.75 %

0%
3%

Welcome Bonus = 4,500

Value = 3 cents per point
Effective Value = $135

$0
$1800

Annual Fee = $49

$0
$995
Welcome Bonus
4,500

OK

Bonus Rating

Points

After you spend $500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
0.5x Groceries

OK

OK

0.5x Local Transit and Commuting

Good

good

Good

In the top 50% of cards.

0.5x Internet

Good

good

Good

In the top 50% of cards.

0.5x Cable

OK

OK

0.5x Phone

OK

OK

0.75x Starbucks

Excellent

excellent

Excellent

In the top 15% of cards.

.25x All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Starbucks Stars
Gigapoints Value
3¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $49
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

300 Bonus Stars instantly

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 redeemable at participating Starbucks® stores.

The Fine Print

PURCHASES APR 15.99% to 22.99%
BALANCE TRANSFER APR 15.99% to 22.99%
BALANCE TRANSFER FEE Either $5 or 5% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 24.99%
CASH ADVANCE FEE Either $10 or 5% of the amount of each transaction, whichever is greater.
FOREIGN TRANSACTION FEE 3%