Starbucks Rewards Visa Review: For Hardcore Coffee Lovers Only

You get a high effective rewards rate and multiple freebies. And the sign-up bonus could be redeemed for plenty of free drinks and bakery items. But an annual fee kicks in after the first year.
May 16, 2022

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Our Take

4.1

NerdWallet rating 
The bottom line:

For loyalists who rarely let a day pass without a run to Starbucks, the card's perks are well worth the annual fee. But casual customers should probably pass.

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Starbucks® Rewards Visa® Card
Starbucks® Rewards Visa® Card
Annual fee
$0 intro for the first year, then $49
Regular APR
16.24%-23.24% Variable APR
Intro APR
N/A
Rec. credit score
690-850 (Good - Excellent)

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.