by Daniel | Last Updated November 24th, 2021
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Do you like the idea of having a credit card that rewards your spending with coffee?
Then the Starbucks Rewards credit card could be a good choice.
It has a sign-up bonus that gives you Starbucks Rewards stars that can be used to get coffee, food, or merchandise from Starbucks cafes.
Who Is The Starbucks Rewards Card Good For?
The Starbuck Rewards Visa Card is clearly designed for people that love coffee, Specifically, Starbucks coffee.
If you tend to drink more than your fair share of coffee, then this card may well suit you.
This card has a generous sign-up bonus that rewards you with Starbucks Reward stars, which essentially give you the opportunity to earn free coffee.
APR
Now the APR of this card is between 15.99% and 22.9% depending on what your creditworthiness is, and It will vary with the market based on the Prime Rate
Annual Fee
Now the Annual Fee is for the Starbucks Rewards Visa card is relatively cheap.
To begin with, it is free for the first year of card ownership, and after this, it will incur an annual fee of $49.
So for the first year of card ownership, it is pretty good value as it has no fee, but after the second year kicks in and you have to pay $49 on an annual basis which makes it a bit less enticing.
Sign-up Bonus
So with the sign-up bonus of this card, you can earn 4,500 Stars after you have spent $500 on purchases within the first 3 months of opening the account.
Along with this, you will also receive another 300 bonus stars the first time you use the card to reload your registered Starbucks Card in your app.
And according to the Starbucks rewards website, these 4,800 bonus stars can be used to get 96 brewed hot coffees, which works out to be 2 free coffees per week over the course of a year or 12 separate bags of coffee beans.
So for the first year of card ownership, this card offers some pretty good value with the ability to earn up to 4,800 Starbucks Reward stars.
The only downside is after the first year is up it won’t be nearly as rewarding.
Starbucks Rewards Chart
| Stars | Reward |
| 25 | Customize your drink |
| 50 | Brewed hot coffee, bakery item, or hot tea |
| 150 | Handcrafted drink, hot breakfast, or parfait |
| 200 | Salad, sandwich, or protein box |
| 400 | Select merchandise or at-home coffee |
Earning Stars
Now earning Star rewards with this card is relatively straightforward.
First of all, you will earn up to 3 Stars per $1 spent at Starbucks stores.
Next up you will earn 1 Star per $2 spent at grocery stores, local transit, internet, cable, and phone services.
And finally, you will earn 1 Star per $4 spent on all other purchases.
So if you’re using your card at Starbucks you will need to spend just over $16.50 to earn a free brewed coffee and $50 to earn a personalized drink or breakfast sandwich.
Benefits and User Perks
So from here let’s look at the benefits and user perks that you will get with this card.
And first of all, you will get ‘Pick Your Perk’ once per month
And with this, you will receive a coupon worth up to $10 each month that can be used on pretty much any beverage (as long as it doesn’t exceed $10)
Next up you will receive a 1-year DashPass membership that gives you a $0 delivery fee on all orders that are over $12, and this is worth almost $120.
So with both these benefits being worth approximately $240, you can offset the annual fee of $49 (once it kicks in after the first year of card ownership).
Insurance Related Benefits
Next up, let’s take a look at what insurance-related benefits come with this card.
First of all, you will get trip cancellation/interruption insurance will reimburse you up to $1,500 per person and $6,000 per trip if the trip is canceled or cut short due to sickness, severe weather o any other covered situations.
And for this to be valid you must book a pre-paid, non-refundable fare.
Next up you will get an auto rental collision damage waiver that will cover rental cars for theft and collision damage in the US and abroad.
And when using this benefit you must pay for the entire rental with your card and then decline the rental companies collision damage insurance.
You will get extended warranty protection that basically gives you 1 extra year on top of US manufacturers warranties that are 3 years or less.
And finally, you will get purchases protection that will cover new purchases for up to 120 days against theft or damage up to$500 per claim and $50,000 per account.
So for a card that has an annual fee of $49 after the first year, it has some pretty reasonable insurance-related benefits.
Final Thoughts Of The Starbucks Rewards Visa Card
So what are my thoughts about the Starbuck Rewards Visa Card?
Whilst I like the idea of getting free coffee for using a credit card, there are other credit cards that offer more value and don’t even have an annual fee.
One card that comes to mind is the Chase Freedom Flex card.
It has an 0% introductory APR for the first 15 months, it offers a $200 sign-up bonus after spending $500 on the card and it has the ability to earn you up to $600 in cashback the first year you have the card.
And if you’re interested you can read my review here.