Starbucks Will Launch a Co-Branded Chase Credit Card This Winter
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Love caffeine like you love points, miles and credit cards? You're in luck. Starbucks announced on Thursday that it will launch a co-branded Chase credit card this winter. Yes, you're about to get more rewards for your Starbucks addiction.
According to Starbucks CEO Kevin Johnson, the coffee giant plans to launch a co-branded credit card with Chase and Visa this winter. Eventually, the company intends to also launch a prepaid card, but the credit card remains a priority.
At this point, there are few details known about the actual card and what it will offer consumers. The only details that Johnson released on Thursday were that it would allow Starbucks customers to earn rewards in the form of Starbucks Rewards, the company's loyalty program, for their purchases — both at the chain and elsewhere.
Johnson said that the decision to launch a credit card is connected to Starbucks' continued effort to up its loyalty game. The Starbucks Rewards program offers two levels of status: Green and Gold. Each dollar spent at Starbucks is worth 2 stars, and Gold status requires 300 stars in a year. Green members earn a free birthday reward, the ability to order ahead, free in-store refills, member events and the ability to pay by phone. Gold status offers all of the benefits as Green does with the addition of monthly double-star days, a personalized gold card and a reward for every 125 stars earned. Frequently, the Starbucks Rewards program offers a promotion that allows customers to get Gold status after just one purchase.
While details on the Starbucks credit card are pretty scarce at this point, for those who are big on loyalty — and coffee — there are plenty of possibilities. One thing to look at from a credit card maximization point of view is that the Starbucks card will have to offer cardholders enough return in order to lure them away from using a premium credit card, such as the Chase Sapphire Reserve Card, which offers 3x points on dining. As long as the Starbucks co-branded Chase card offers cardholders a good return and valuable rewards, this card could prove to be a game changer.
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| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
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