Starbucks Credit Card Free for Military | Earn 50+ Free Drinks

Let me show you how to get your first $550 credit card annual fee waived in my Ultimate Military Credit Cards course
The Amex Gold card is annual fee waived for military. It's even better than the Amex Platinum for everyday spending on dining and groceries.

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The Chase Starbucks Rewards Visa Card annual fee of $49 is waived for US military servicemembers and their spouses. Currently the Starbucks credit card is offering a large welcome bonus worth at least 30 free drinks when you spend $500 on the card.

  • Learn how to apply for the Chase Starbucks Rewards Visa card
  • Earn 4,500 Bonus Stars after you spend $500 on purchases in the first 3 months from account opening + $0 intro annual fee
  • Earn 300 Bonus Stars the first time you use your Starbucks® Rewards Visa® Card to add money to your Starbucks Card
  • Stars won't expire, an exclusive Starbucks benefit for Cardmembers
  • You will receive 8 complimentary food or beverage items (“Barista Picks”)
  • Earn up to 3 Stars per $1 spent at Starbucks Stores: 1 Star per $1 when you digitally load your Starbucks Card with your Starbucks® Rewards Visa® Card (excludes money added at the register), plus 2 Stars per $1 spent when that Starbucks Card is used to pay at Starbucks stores
  • Earn 1 Star per $2 spent at grocery stores, on local transit and commuting, and on internet, cable, and phone services
  • Earn 1 Star per $4 spent everywhere else
  • Normally an annual fee of $49 after the first year, but waived for military servicemembers and their spouses with Chase Military Lending Act program

If you are going to get into travel hacking seriously, I don't recommend the Starbucks card. It takes away one of your Chase 5/24 slots which could be better utilized with a higher value card, like the Chase Sapphire Reserve or Chase Hyatt card. More on credit card application rules here.

The Starbucks Rewards card is a great starter card. It's an easy way to introduce your Starbucks addicted spouse to credit card rewards and travel hacking.

However, I would recommend following my list of the best credit cards for military servicemembers and getting a card that pays you 4x Amex Membership Reward points for spending at Starbucks, like the Amex Gold card. The annual fee is also waived for military, thanks to the Amex Military Lending Act program.

American Express Gold Card military AMEX Gold Card Military No annual fee SCRA $250 annual fee waived
  • Learn how to apply for the American Express® Gold Card
  • $250 Annual Fee waived for US military and spouses (rates and fees)
  • Earn 60,000 Membership Reward Amex points after spending $4000 in the first 6 months of account opening
  • Rose Gold is back! Choose between the Gold or Rose Gold version when you apply.
  • 4x points on all restaurants worldwide
  • 4x points on US supermarkets (up to $25,000 per year) – includes OCONUS Commissarries
  • 3x points on flights booked directly with the airline or on
  • No foreign transaction fees – great for the 4x on restaurants worldwide when travelling for fun, OCONUS TDY, or PCS!
  • $120 annual Uber or Uber Eats cash. Combines nicely with Amex Platinum Uber credit. Earned as $10 per month.
  • $120 per year credit at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House or Shake Shack
  • Read my full review of the Amex Gold card for military, terms apply

How Much Are Starbucks Stars Worth?

  • 25 Stars: Drink modifications (such as an extra shot)
  • 50 Stars: Any size hot coffee, tea or a bakery item
  • 150 Stars: Handcrafted beverages (including iced coffee), oatmeal or a breakfast sandwich
  • 200 Stars: Lunch sandwiches, salads or protein boxes
  • 400 Stars: Packaged coffee or a single merchandise item up to $20

4500 Stars are worth 90 drip coffees. A Venti Blonde Roast is usually about $3 depending on where you are in the world, so 90 x $3 = $270 worth of coffee.

A latte, cappuccino, or americano are worth about $5 depending on what size you get. 4500 / 150 = 30 of those would be worth about $150.

Starbucks Credit Card FAQ

How much are 4500 Starbucks points worth?

4500 Starbucks points are worth about $150 – $270, depending on what drinks you get, what options you add, and where in the world you order Starbucks coffee. You get more bang for your buck with drip coffee than handcrafted drinks like espressos.

Is the Starbucks credit card worth it?

If you drink a lot of Starbucks the Starbucks Rewards credit card is probably worth it. Especially with a large welcome bonus you can earn many free drinks with the card. If you don't drink Starbucks daily, it's probably not worth it.

What bank is Starbucks credit card?

The Starbucks Rewards credit card is issued by Chase Bank. Chase waives the annual fees on this and all their personal cards for US military servicemembers and their spouses.

What credit score do you need for the Starbucks credit card?

670 or higher.

How many Starbucks Stars do you need for a free drink?

50 Starbucks Stars gets you a free drip coffee or 150 for a handcrafted drink like Nitro coldbrew or an espresso based drink like a latte.

Can you use a Starbucks credit card anywhere?

Yes, you can use a Starbucks credit card anywhere Visa is accepted, but you are probably better off using a different card like the Amex Gold or Chase Sapphire Reserve. Both annual fees are waived for military and military spouses.

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