Starbucks® Rewards Visa®
The Starbucks® Rewards Visa® from Chase earns up to 0.1% effective value on grocery in Madeen's catalog snapshot. Its annual fee is $49. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 0.1%
- Annual fee
- $49
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Starbucks Rewards Visa earn in each category?
Grocery is the strongest category at 0.1% effective value (0.5% back). That grocery rate ranks higher than about 0% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Grocery is the strongest category at 0.1% effective value (0.5% back). That grocery rate ranks higher than about 0% of the 1,552 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0.3% back | 0.1% |
| Grocery Supermarkets and grocery stores | 0.5% back | 0.1% Top category |
| Gas Gas stations and fuel | 0.3% back | 0.1% |
| Travel Flights, hotels, transit | 0.5% back | 0.1% |
| Other General everyday spend | 0.3% back | 0.1% |
Madeen values cash back at about 0.3 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Starbucks Rewards Visa reward caps and conditions?
The Starbucks Rewards Visa has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 1 Star per $2 you spend at grocery stores
- Earn 1 Star per $2 you spend on local transit and commuting
Who should get the Starbucks Rewards Visa?
The Starbucks Rewards Visa fits spenders who put meaningful volume in grocery and can earn 0.5% back. Best for spenders who put meaningful volume in grocery and can earn 0.5% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Starbucks Rewards Visa fits spenders who put meaningful volume in grocery and can earn 0.5% back. Madeen ranks its grocery effective rate higher than about 0% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 0.5% back.
Less compelling if the $49 annual fee is hard to offset.
Best for grocery-heavy spend when the $49 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is grocery at about 0.1% effective (0.5% back).
- No foreign transaction fee listed.
Cons
- $49 annual fee requires enough spend in bonus categories to offset.
Does the Starbucks Rewards Visa have an annual fee, and what's the welcome bonus?
The Starbucks Rewards Visa has an annual fee of $49 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $49
- Foreign transaction fee
- None
Common questions about the Starbucks Rewards Visa
Does the Starbucks Rewards Visa have an annual fee?
The Starbucks Rewards Visa carries an annual fee of $49 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Starbucks Rewards Visa?
Grocery is the strongest Madeen category for the Starbucks Rewards Visa at about 0.1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Starbucks Rewards Visa charge foreign transaction fees?
The Starbucks Rewards Visa does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Starbucks Rewards Visa annual fee worth it?
Whether the $49 annual fee pays off depends on how much you spend in grocery and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Starbucks Rewards Visa?
Madeen's catalog lists a typical credit range of Excellent for the Starbucks Rewards Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Starbucks Rewards Visa?
Rewards on the Starbucks Rewards Visa post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Starbucks Rewards Visa compare to similar cards?
Compare the Starbucks Rewards Visa against Aeroplan Card (4.5% on Dining, $95 fee); Chase Sapphire Reserve Credit Card (4% on Travel, $795 fee); J.P. Morgan Reserve (4% on Travel, $795 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Starbucks Rewards Visa This card | Grocery | 0.1% | $49 |
Chase | Dining | 4.5% | $95 |
| Travel | 4% | $795 | |
Chase | Travel | 4% | $795 |
| Travel | 4% | $795 |
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