Assessing the Starbucks Prepaid Visa: A Comprehensive Review

Before we begin, please note that this card is no longer available to new cardholders.

Hence, the Starbucks Prepaid Visa offers several rewards to its cardholders.

Thus, this prepaid card is a co-branded prepaid card from Chase with no annual fees.

However, it comes with amazing Starbucks Rewards. And, it can be used anywhere that accepts Visa cards.

In this article, we will give you a run down about the Starbucks Prepaid Visa Card.

Also, we will provide you with other exciting info about the Starbucks Prepaid Visa Card

Having said that, let’s explore the topic of today’s article.

Starbucks Prepaid Visa – Overview

In June 2018, Starbucks and Chase launched the Starbucks Reward Visa Prepaid Card.

This was the first prepaid card to earn cardholders rewards outside Starbucks. Hence, this card allows you to reload funds and earn stars on purchases.

The Starbucks Reward Visa Prepaid Card has no annual fee. Also, it can be used anywhere Visa cards are accepted.

However, in mid-2022, this card was no longer open to new applicants.

But, as of July 20, 2023, the card was no longer in the market. Hence, present cardholders had to convert to Chase Freedom Unlimited or Chase Freedom.

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Thus, our review of this card reflects its details and features as at the time it was available.

Having said that, let’s have a look at the Starbucks Prepaid Visa Perk and annual fee.

Starbucks Prepaid Visa – Earning rewards and annual fee

This Prepaid Card has zero annual/monthly fees, zero prepaid fees, and no reload fee.

Hence, this card is a great option compared to other prepaid cards. However, if you make use of this card outside the USA, you’ll be charged a 3% fee on your purchases.

Also, if you need to replace your Card, you’ll be charged a fee of $5 for a new card.

However, this prepaid card offers 125 Bonus Stars to new cardholders when they load up to $10 onto their Card.

Hence, this reward is worth one food or drink reward at Starbucks. Also, you can earn 1 Star for every $10 made using your Card.

That’s not all, as a cardholder, you’ll instantly get a Gold Status within the Starbucks Rewards program.

Also, as a cardholder, you’ll enjoy Chase Zero Liability Protection and FDIC Insurance.

Starbucks Prepaid Visa – Pros and Cons

Here are the pros and cons of the Starbucks Reward Visa Prepaid Card:

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  • Bonus categories
  • New cardholder bonus offer
  • High rewards rate
  • No annual/monthly fee, prepaid fee, or reload fee.
  • Instant access to Gold Status within the Starbucks Rewards program.
  • Chase Zero Liability Protection
  • FDIC Insurance.


  • Stars earned are for Starbucks food, drinks, and in-store merchandise.
  • Complicated rewards
  • Complicated redemptions
  • Requires good/excellent credit

Starbucks Prepaid Visa – Redeeming Rewards

There are different ways in which you can redeem your ‘Star’ reward. Hence, here are tiers in which you can redeem your ‘Star’ reward:

25 Stars can be redeemed for an extra espresso shot, syrup, or sauce. Hence, you can get a dairy alternative option which is worth one U.S. dollar.

50 Stars may be redeemed for hot brewed coffee, hot steeped tea, or a bakery item.

150 Stars may be redeemed for any handcrafted beverage or any hot breakfast item. As well as any packaged snack item (excluding packaged protein boxes). Hence, all beverages must be standard menu-sized items

200 Stars may be redeemed for one packaged salad or lunch sandwich or one packaged protein box

400 Stars may be redeemed for one packaged coffee item or a select merchandise item worth $20.00 pre-tax.

However, you can’t redeem these stars in any Starbucks store. Hence, only participating stores will let you redeem those Stars.

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Starbucks Prepaid Visa –Other Perks

The Starbucks Prepaid Visa comes with extra perks for its cardholders.

Hence, here are some perks you can enjoy as a Starbucks Prepaid Visa Cardholder:

  • A Free Birthday Drink.
  • A Free Drink Monthly.
  • Stars Never Expire
  • Auto Rental Collision Damage Waiver
  • Trip Cancellation/Interruption Insurance
  • Extended Warranty Protection.
  • Purchase Protection.
  • Roadside Dispatch.
  • Travel and Emergency Assistance Services.

Final Verdict

To sum up, please note that you can’t access the funds on your Starbucks Prepaid Visa Card.

Also, keep in mind that you can’t have a paycheck or money deposited directly to your card.

Hence, you’ll need a checking or savings account to reload your Starbucks Prepaid Visa Card.

So, is this card worth it? I’m not sure about that. I feel this card is much work compared to the reward.

Hence, there are better credit cards in the market with better rewards.

However, if you have any questions about the Starbucks Prepaid Visa, let us know.

To do that, leave all your questions in the comment section below and we will get back to you.

Having said that, Thank you for reading!

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