As a very loyal Starbucks customer, I was pretty excited when the new Starbucks prepaid debit and credit cards launched...thinking more ways to earn stars and other Starbucks rewards. That has proven to be farthest from the truth as I have not benefited from being a cardholder that makes reloading the prepaid card worth it (it certainly has me wondering - what’s in it for Chase!).
The Starbucks prepaid debit card certainly doesn’t function like any other debit card I currently have or have researched. Money loaded on this card MUST be used for purchases only and lacks the ability to withdraw funds via an ATM machine or any other source so once you load it, you’re kind of stuck. Additionally, earning one star for EVERY $10 YOU SPEND is not rewarding at all and those star rewards are added to your account monthly - at the end of your billing cycle (should be as you earn them!). One big disadvantage that I’ve recently uncovered is that you are not eligible to participate in Starbucks promotions, ie. Starbucks for Life as, per Starbucks representatives, it is not a registered Starbucks card or digital card...which is actually not true as I have read all the disclosures and agreement terms associated with the Starbucks Rewards Program as well as those on the Chase side and cannot confirm that. Adding insult to injury, I was already an existing Loyalty Rewards Gold member and have been for several years!
Lastly. If you subscribe to just the Starbucks prepaid debit card, you do not have access to use the Chase mobile app nor Chase Pay. Unfortunately, the only way to check your card transactions/history is by phone only and at this day in age with cybersecurity and identity theft, the only information you need to provide to Chase is your name, birth date, and card number...COME ON CHASE, you can certainly do better than that!
Bottom Line: No, I would not recommend this to a friend
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