Starbucks® Rewards Visa®
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How we calculate effective rate →
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.
- Top category
- Grocery
- Effective value
- 0.1%
- Annual fee
- $49
Best for grocery-heavy spend when the $49 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 0.5x points.
What does the Starbucks Rewards Visa earn in each category?
Grocery is the strongest category at 0.1% effective value (0.5x points at about 0.3 cents each). That grocery rate ranks higher than about 0% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Starbucks Rewards Visa compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries at.
Grocery is the strongest category at 0.1% effective value (0.5x points at about 0.3 cents each). That grocery rate ranks higher than about 0% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Starbucks Rewards Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0.3x points | 0.1% |
| Grocery Supermarkets and grocery stores | 0.5x points | 0.1% Top category |
| Gas Gas stations and fuel | 0.3x points | 0.1% |
| Travel Flights, hotels, transit | 0.5x points | 0.1% |
| Other General everyday spend | 0.3x points | 0.1% |
Madeen values Starbucks 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.
- 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 0.5x points. Best for spenders who put meaningful volume in grocery and can earn 0.5x points.
Starbucks Rewards Visa fits spenders who put meaningful volume in grocery and can earn 0.5x points. 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 0.5x points.
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.
Pros
- Strongest Madeen category is grocery at about 0.1% effective (0.5x points).
- No foreign transaction fee listed.
Cons
- $49 annual fee requires enough spend in bonus categories to offset.
- Starbucks value depends on how you redeem, not straight cash back.
Does the Starbucks Rewards Visa have an annual fee?
The Starbucks Rewards Visa has an annual fee of $49 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $49
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the Starbucks Rewards Visa
Where do cardholders spend most with the Starbucks Rewards Visa?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (0.5x), internet and cable (0.5x), telephone (0.5x) for the Starbucks Rewards Visa. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
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.
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.
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.
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. Compare effective rates across the cards you already carry in Madeen.
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.
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 |
| Dining | 4.5% | $95 | |
| Travel | 4% | $795 | |
Chase | Travel | 4% | $795 |
| Travel | 4% | $795 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure