Customers can see their Starbucks Rewards Stars soar with the coffee chain’s new credit card.

By Sarah Yang
Updated February 01, 2018

The most prized possession in a die-hard Starbucks fan’s wallet is the personalized Gold Card, the shiny and name-engraved Rewards card that members get once they reach 300 Stars (that’s points in Starbucks lingo). Now, that might change with the introduction of the Starbucks Rewards Visa Card.

The new credit card, which is a co-branded effort with Chase, has some pretty amazing perks for customers who never miss their morning coffee run. New cardholders will be automatically enrolled into Starbucks’s Rewards program if they’re not already and get instant Gold Status. In something that will really excite coffee nerds, Starbucks baristas will also curate food and beverage rewards for cardholders.

For new cardmembers, you’ll get 2,500 Stars after spending $500 on purchases in the first three months after account opening—which is easily doable if you get something like a Venti coffee and one of those breakfast sandwiches every weekday, plus a few afternoon java pick-me-ups in between. Additionally, you’ll get 250 Stars the first time you use your credit card to reload your registered Starbucks Card on the mobile app. After that, you’ll get one star for every $4 spent at other stores and one star for every $1 loaded onto your Starbucks card through the mobile app. You can redeem your Stars at over 8,000 participating locations. A quick refresher: it requires 125 Stars to redeem a free drink or food item.

“It’s important to us to make earning Rewards as easy for our customers as possible, and the Starbucks Rewards Visa Card is a powerful tool for us to do that because of how easily it fits into their daily lives,” Matt Ryan, executive vice president and chief strategy officer for Starbucks, said in a press release. “This credit card also makes every day more rewarding for Starbucks and Chase customers through the ability to quickly earn Stars and benefits—including more food and beverage Rewards for any occasion.”

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The card has an annual fee of $49, but if you go to Starbucks enough, you might find your morning coffee habit actually saves you money. Interested? You can apply for the card at—when you’re approved you’ll automatically get a digital card on the mobile app, with the physical card arriving in 7-10 days.