Starbucks App ↗ Credit Card Rewards
Maximize your rewards with the best credit cards for Starbucks App
MCC Code
5814
Fast Food Restaurants
Eligible Cards
5
Cards earn rewards
Top Rate
3x Points (3 MPD)
No cap
Quick Answer
The best credit card for Starbucks App is Chase Sapphire Reserve, earning 3x Points (3 MPD)
With no cap, this card is ideal for online spending at Starbucks App. Alternative options include Capital One Venture X.
Best Credit Cards for Starbucks App
Chase Freedom Flex
Included in whitelist
5x Cash Back (5 MPD equiv.)
$1,500 per quarter in bonus categories
Special Conditions
Rotating quarterly categories (must activate). No annual fee.
US Bank Altitude Go
Included in whitelist
4x Points (4 MPD)
No cap
Special Conditions
Earns 4x on dining and restaurant purchases. No annual fee. $25 annual dining credit.
Chase Sapphire Reserve
Included in whitelist
3x Points (3 MPD)
No cap
Special Conditions
Earns 3x on travel and dining. $550 annual fee.
Capital One Venture X
No restrictions
2x Miles (2 MPD)
No cap
Special Conditions
Earns 2x on everything, 5x on travel via Capital One Travel portal. $395 annual fee.
Citi Double Cash
No restrictions
2% Cash Back (2 MPD equiv.)
No cap
Special Conditions
Earns 2% on everything (1% purchase + 1% payment). No annual fee.
Reward Calculator
Estimated Monthly Rewards
Frequently Asked Questions
What is the MCC code for Starbucks App?
Starbucks App uses MCC code 5814, which stands for “Fast Food Restaurants”. This code determines which credit cards earn rewards at this merchant. Banks use MCC codes to categorize transactions and apply bonus rewards accordingly.
What credit cards work at Starbucks App?
The best credit cards for Starbucks App include:
- Chase Sapphire Reserve- 3x Points (3 MPD) (no cap)
- Capital One Venture X- 2x Miles (2 MPD) (no cap)
- Chase Freedom Flex- 5x Cash Back (5 MPD equiv.) ($1,500 per quarter in bonus categories)
Is Starbucks App classified as online or offline spending?
Starbucks App is classified as online spending. This affects card eligibility - some cards only earn rewards on online transactions. For example, cards like Citibank Rewards MasterCard only earn bonus rewards on online spend, while UOB Visa Signature only works for offline (contactless or foreign currency) transactions.
How can I maximize rewards at Starbucks App?
To maximize rewards at Starbucks App:
- Use Chase Sapphire Reserve for 3x Points (3 MPD) on all transactions
- Be mindful of the monthly cap: no cap
- Consider pairing with Capital One Venture X for additional categories
- Track your spending to stay within bonus category limits