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


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
Rec. credit score
690-850 (Good - Excellent)


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