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$49
Annual Fee
4,500
points · Welcome Bonus
3X
Top Rate
Annual Fee
$49
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Starbucks
Point Valuation
2.5–3 cpp (mid: 3)
Credit Required
Good to Excellent
Bonus: 4,500 points
Spend: $500
Period: 3 months
3X
3 Stars per $1 at Starbucks (when using card as payment in Starbucks app)
2X
2 Stars per $1 at grocery stores
2X
2 Stars per $1 on grocery delivery services
2X
2 Stars per $1 at gas stations
2X
2 Stars per $1 on internet, cable, and phone services
0.25X
1 Star per $4 spent on all other purchases
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
Program & Transfers
Earn more on everyday spend.
Starbucks Rewards is a retail rewards program focused on turning everyday purchases into practical member value. The program includes 3 status tiers that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.
Details & Terms
| Purchase APR | 19.49%–28.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
$49
Annual Fee
4,500
points · Welcome Bonus
3X
Top Rate
Annual Fee
$49
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Starbucks
Point Valuation
2.5–3 cpp (mid: 3)
Credit Required
Good to Excellent
Bonus: 4,500 points
Spend: $500
Period: 3 months
3X
3 Stars per $1 at Starbucks (when using card as payment in Starbucks app)
2X
2 Stars per $1 at grocery stores
2X
2 Stars per $1 on grocery delivery services
2X
2 Stars per $1 at gas stations
2X
2 Stars per $1 on internet, cable, and phone services
0.25X
1 Star per $4 spent on all other purchases
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
Program & Transfers
Earn more on everyday spend.
Starbucks Rewards is a retail rewards program focused on turning everyday purchases into practical member value. The program includes 3 status tiers that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.
Details & Terms
| Purchase APR | 19.49%–28.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
$49
Annual Fee
4,500
points · Welcome Bonus
3X
Top Rate
Annual Fee
$49
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Starbucks
Point Valuation
2.5–3 cpp (mid: 3)
Credit Required
Good to Excellent
Bonus: 4,500 points
Spend: $500
Period: 3 months
3X
3 Stars per $1 at Starbucks (when using card as payment in Starbucks app)
2X
2 Stars per $1 at grocery stores
2X
2 Stars per $1 on grocery delivery services
2X
2 Stars per $1 at gas stations
2X
2 Stars per $1 on internet, cable, and phone services
0.25X
1 Star per $4 spent on all other purchases
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
Program & Transfers
Earn more on everyday spend.
Starbucks Rewards is a retail rewards program focused on turning everyday purchases into practical member value. The program includes 3 status tiers that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.
Details & Terms
| Purchase APR | 19.49%–28.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$49
Net Annual Value
-$44.20
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$49
Net Annual Value
-$44.20
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$49
Net Annual Value
-$44.20
