Starbucks Rewards Visa Signature Agreement

The COL00088 Starbucks Rewards Visa Signature Agreement filing from Chase Bank USA sets out a $49 annual fee and a 29.99% penalty rate.

What this filing discloses

This page covers the agreement Chase Bank USA filed for COL00088 Starbucks Rewards Visa Signature Agreement. The filing runs 21 pages, and It is issued on the Visa network.

Terms captured from the document include a cash advance rate, a balance transfer rate, a penalty rate, an annual fee line and a late payment maximum. No figure appears for a purchase rate and a grace period.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Grace period and minimum charge

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

Penalty pricing and late fees

The agreement discloses penalty pricing of 29.99% — about the 61st percentile of the 794 penalty rates recorded across this index.

Late payments are capped at $40 under this filing, about the 72nd percentile of late fee maximums in the corpus.

Charges beyond interest

Holding the card costs $49 a year before any transaction takes place — about the 87th percentile among agreements in this index that state a fee.

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 24.99%. $200 is the crossover point where the percentage overtakes the $10 minimum. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Moving a balance onto this card carries an up-front charge of $5 or 5% of the amount transferred, whichever is greater, with the transferred balance priced at 15.99%. Transferring $3,000 would cost roughly $150 at the door.

Foreign transactions attract 3%. On $2,000 of overseas spending that is $60, charged on top of whatever exchange rate applies.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Inside Chase Bank USA's filed lineup

This is one of 25 Chase Bank USA agreements collected here.

What is outside the disclosure

Absent from the captured terms: a purchase rate and a grace period. The original document is the place to look for any of these.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Where the authority sits

The filed PDF is linked from this page and runs 21 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

The $49 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.