Card Features and Benefits:

If you are a Starbucks fanatic, you can earn stars with all of your everyday spend.

Starbucks Rewards Credit Card Review

• You'll get 1 Star per $1 when digitally loading your Starbucks Card with your Starbucks Rewards Visa Credit Card (except for money added at the register), and 2 Stars per $1 spent when that Starbucks Card is used to pay at Starbucks stores.
• Then earn 1 Star per $2 spent (0.5 Stars per dollar) at grocery stores, as well as on local transit and commuting, and on internet, cable and phone service.
• Finally, earn 1 Star per $4 spent (0.25 cents per dollar) on everything else.

This card is best suited for those that generally buy expensive Starbucks beverages. Consider that even if you used this card most at grocery stores (where you earn double Stars), you would earn 0.5 Stars per dollar. That means spending $300 to earn enough Stars for a free beverage (150 Stars).

A 2% Cash Back card would earn $6 for $300 in spend. Therefore, on the grocery / internet / cable / phone/ commuting bonus categories, you still need to redeem on average for an item worth more than $6 to come out ahead.

Using this card for non-bonus categories wouldn't make much sense, as you'd need to redeem 150 Stars for, on average, a beverage of $12 or more (not very realistic).

The best value will, obviously, come from spend on Starbucks Card reloads, where you'll earn 1 Star per dollar. For those purchases, your redemption breakeven on 150 Stars is just $3.

Whether you spend enough at Starbucks to make this card worthwhile really depends on you.

Still, if you won't be above breakeven in the above scenarios, you may with to consider a 2% cash back credit card like the Citi Double Cash instead.

Additional Starbucks Visa Benefits

• Eight times per year, you'll get a digital coupon for a free drink or food item as a "Barista's Choice"
• Secondary Car Rental Collision Damage Waiver (CDW) coverage
• Extended Warranty Protection - This extends the time period of the U.S. manufacturer's warranty by an additional year on eligible manufacturer's warranties of three years or less.
• Purchase Protection - This service covers new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
• Trip Cancellation / Interruption Insurance up to $1,500 per person / $6,000 per trip (see application for details)
• Stars don't expire as long as your Starbucks Visa card is open. (If you close it, you'll have 6 months to use those Stars).

As a Chase card, you should bear in mind that you won't be approved for this card if you have opened 5 or more personal credit cards with any issuer within the last 24 months.

What Credit Score Do You Need for a Starbucks Visa?

This card is for those with good credit and above. Approximately 670 and above.