How I Get 11% Off Starbucks Using Credit Card Hacks

Using the right credit card strategy to reload your Starbucks balance can boost your 5% discount through Starbucks Rewards to 8%, 9%, 10%, or even 11%.

In my previous blog post I discussed how you can pay for Starbucks orders using your in-app wallet and redeem the earned stars towards handcrafted drinks (such as lattes), in the process, getting 5% off on all Starbucks purchases.

However, it doesn’t stop there.

To be able to pay using the Starbucks app, you need to reload funds using the credit cards. The right credit card and the right timing will get you to that 11%.

In this blog post, I will provide a few strategies of varying effort level to help boost your Starbucks discount. The easy strategies (such as the first three below) will give you 3-4% on top of the 5% using Starbucks Rewards, while the higher effort strategies can give up to 11% overall.

Let’s get started.

8% Starbucks Discount Using Dining Credit Cards

Most mainstream credit cards in the market give 3% off dining.

Some of the best options include:

If you load your Starbucks app balance using a 3% Dining credit card, stacking that with the 5% you get from paying through the Starbucks app, you get a total of 8% on all Starbucks purchases.

9% Starbucks Discount Using AMEX Gold

One of the most common “foodie” credit cards is the American Express Gold. It gives 4X Membership Rewards points towards all global restaurant purchases.

Reloading your Starbucks app counts as a “restaurant purchase”.

So, if you load your Starbucks wallet using an American Express Gold card, you get a total of 9% (5% from Starbucks Rewards, 4% from AMEX Gold) off all Starbucks purchases.

I am valuing Membership Rewards points at 1 cents-per-point. If you are savvy with credit card points (and you might be if you are reading this), that 4X points can be equivalent to 8% or even 12% off.

However, to keep things simple, we will say the AMEX Gold gives you 4% on top of the 5% you get from the Starbucks app, making it a total of 9%.

10% Starbucks Discount Using 5% Dining or Office Supply Credit Cards

There aren’t many credit cards that give 5% on dining purchases. The Citi Custom cash is the exception. It gives you 5% on your top spending category every month, up to $500.

So, if you only use the card for dining, Starbucks purchases will get that 5%.

Reloading the Starbucks app using Citi Custom Cash in this way gives you 10% off (5% from Starbucks Rewards + 5% from credit card) on all Starbucks purchases.

You can also reload your balance using Starbucks gift cards purchased from office supply stores. That’s where the Chase Ink Business Cash card comes in.

The Chase Ink Business Cash card helps you earn 5% on all office supply store purchases, up to $25,000 every year. You can purchase Starbucks gift cards from most office supply stores, then use those to reload your Starbucks app balance.

In total you get 10% off Starbucks orders using this strategy - 5% from Starbucks Rewards and 5% from your credit card of choice (Citi Custom Cash or Chase Ink Business Cash).

11% Starbucks Discount Using 6% Bilt Card on Rent Days

The strategy I use is to reload my Starbucks balance using the Bilt Card on the 1st of every month (Rent Days), getting 11% off all future Starbucks purchases (5% from Starbucks Rewards and 6% from Bilt card).

Normally, the Bilt card gives 3% on dining purchases. However, on Rent Days (first of every month), it doubles every multiplier, up to the first 1K points earned.

So, 3% dining becomes 6% dining.

I load around $150 every month, giving me 900 Bilt points and keeping me under the 1K points limit. If you exceed 1K points, you revert to earning 3% on dining, instead of 6%.

Bonus Tip: If you connect your Starbucks and Delta accounts, every $100 Starbucks balance reload earns you 200 Delta SkyMiles. More stacking!

Quick Thoughts

Depending on how much effort you are willing to put in, you can get up to 11% off on all Starbucks purchases: 8% with any dining credit card, 9% with American Express Gold, 10% with Citi Custom Cash or Chase Ink Business Cash, or even 11% with the Bilt card on Rent Days.

If you are a Starbucks regular, there’s no reason to leave so much money on the table.

Recommended Cards

Credit Card Image

American Express Gold

4X Restaurants & Groceries! 3X Flights! $400+ Food Credits! 100K Bonus Points!

Credit Card Image

Capital One Venture X

Unlimited 2X miles! Lounge Access! 75K Bonus Miles! $300 Travel Credit! 10K Anniversary Bonus!

Credit Card Image

American Express Business Gold

4X on Cloud & Software Spend, Tech Gadgets, Advertising, Gas, Transit! 100K Bonus Points!

Credit Card Image

Capital One Savor Rewards

3X Restaurants, Groceries & Entertainment! $300 Bonus!

Credit Card Image

Chase Sapphire Preferred

3X Dining, 2X Travel, 60K Bonus Points! $50 Travel Credit!

Credit Card Image

Hilton Surpass Card

12X Hilton Purchases! 6X Restaurants, Groceries, & Gas! 130K Bonus Points!

Credit Card Image

Chase Freedom Flex

5X rotating categories! 3X Dining & Drugstores! $200 Bonus!

Credit Card Image

Chase IHG Premier

26X IHG Purchases! 5X Restaurants, Travel & Gas! 140K Bonus Points! 5+ Free Nights!

Credit Card Image

AMEX Blue Business Plus

15K Bonus Points! 2X Points on Everything!

Credit Card Image

Wells Fargo Bilt Mastercard

Earn Points on Rent! 3X Dining, 2X Travel! Double points on rent day!

Credit Card Image

Citi Strata Premier

3X Points on Flights, Hotels, Restaurants, Groceries and Gas Stations! 75K Bonus Points!

Similar Posts

credit-cards

December 28, 2023

Flying 10,000 Miles in Turkish Airlines Business Class

First international business class experience with FREE upgrade using credit card points!

credit-cards

June 12, 2023

How I Travel the World for Free Using Credit Card Points

A simple 3-step process that earned me trips to Chicago, Boston, Atlanta, Dallas, San Francisco, and Toronto for free!

credit-cards

March 6, 2025

How I Get 11% Off Starbucks Using Credit Card Hacks

Discover the best credit card strategies to maximize your Starbucks discount!

credit-cards

March 2, 2025

Is Starbucks Rewards Worth It in 2025?

Maximizing Starbucks Rewards and earning up to 11% back on all purchases.

credit-cards

October 20, 2023

I Spent $0 Instead of $4,000 on Travel in 2023

How I funded all my 2023 travel using credit card points, such as Membership Reward points and Capital One miles.

credit-cards

February 9, 2025

How I Got a Free 4-Night Stay at InterContinental Boston Using Credit Card Points

Learn how I redeemed IHG points for a free 4-night stay at InterContinental Boston using the Chase IHG Premier credit card.

credit-cards

January 26, 2025

5 Best Credit Cards for Software Engineers

Discover the 5 best credit cards for software engineers in 2025. Maximize rewards on cloud computing, gadgets, dining, and more. Find the perfect card for your spending habits today.

Irtiza Hafiz

;