Best Credit Card for Starbucks
Compare the top credit cards to maximize your rewards every time you shop at Starbucks.
Dining is a premium bonus category, with top cards earning 3–5x on restaurant and cafe purchases.
Top Pick
More Good Options
Citi ThankYou PointsCiti Strata Elite6xpts/dollar9.0%return6x on Restaurants (Citi Nights)
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American Express Membership RewardsAmerican Express Gold Card4xpts/dollar8.0%return4x on Restaurants (Worldwide)
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Rewards Calculator
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Common Questions
What is the best credit card to use at Starbucks?
The Rakuten American Express® Card is currently the top pick at Starbucks, earning 10x points per dollar — an effective 20.0% return. 10x on Rakuten Dining
How many points do I earn at Starbucks per dollar spent?
Top cards earn between 4x and 10x at Starbucks. Leading options include: Rakuten American Express® Card (10x), Bilt Palladium Card (6x), Citi Strata Elite (6x).
Does Starbucks count as dining for credit card rewards?
Starbucks typically falls under the Dining category for credit card reward purposes. Cards with a dining spending bonus will earn an elevated rate here. Dining is a premium bonus category, with top cards earning 3–5x on restaurant and cafe purchases.
Is there a no-annual-fee card that earns well at Starbucks?
Yes — the Rakuten American Express® Card has no annual fee and earns 10x at Starbucks (20.0% effective return). 10x on Rakuten Dining