Best Credit Card for Starbucks
Dining & Restaurants · Updated April 2026
Your daily latte adds up. Cards with 3-4x dining rewards turn your Starbucks habit into serious points.
Pro Tips
- •Starbucks codes as 'Dining' for most credit cards
- •Reload your Starbucks card with a dining bonus card for double dip
- •Mobile orders count as dining transactions
Top Cards for Starbucks
#2
Hilton Honors American Express Surpass Card
American Express · $150/yr · Restaurants
6x
Apply ~$346/yr
Your Starbucks Spending Scenario
How much do you spend at Starbucks per month? We'll show your annual rewards with each card.
$
$4,800/yr| Card | Rate | Annual Rewards | Fee | Net Value |
|---|---|---|---|---|
 Hilton Honors American Express CardBest | 5x | +$288 | Free | +$288 |
 IHG One Rewards Premier Credit Card | 5x | +$360 | -$99 | +$261 |
 Hilton Honors American Express Surpass Card | 6x | +$346 | -$150 | +$196 |
 U.S. Bank Altitude Go Visa Signature | 4x | +$192 | Free | +$192 |
 Brex Card | 4x | +$192 | Free | +$192 |
Based on $4,800/yr at Starbucks. Actual rewards may vary.
Full calculator