Cardholders of the Starbucks Rewards Visa Card can take advantage of consumer and travel protection benefits, including:

You’ll earn the most rewards with the Starbucks Rewards Visa Card when you make Starbucks purchases, as the card offers up to three points per dollar spent at Starbucks. Earn one point per $2 spent on groceries, local transit and commuting, and internet, cable and phone services and one point per $4 spent on all other eligible purchases. If you want to earn 300 bonus points, use the card to add money to your Starbucks account through the Starbucks app, valid on your first transfer. You should plan to spend $500 within three months of opening an account if you want to earn the card’s 4,500-point welcome offer.

Annual fee: The Starbucks Rewards Visa Card charges a $49 ($0 first year) annual fee. The Citi Rewards+ Card has no annual fee.

Rewards: With the Starbucks Rewards Visa Card, you’ll earn up to three points per dollar on Starbucks purchases; one point per $2 on purchases at grocery stores, local transit and commuting, and internet, cable and phone services; and one point per $4 on all other eligible purchases. You can earn 300 bonus points the first time you use the card to add money to your Starbucks account through the Starbucks app. The Citi Rewards+ Card offers two points per dollar at supermarkets and gas stations on up to $6,000 in purchases each year, then one point per dollar, and one point per dollar on all other purchases. Every purchase is automatically rounded up to the nearest 10 points.

Sign-up bonus: Receive 4,500 bonus points with the Starbucks Rewards Visa Card after you spend $500 within three months of opening an account. Citi Rewards+ Card holders earn 15,000 bonus points after spending $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com.

Benefits: Take advantage of various benefits with the Starbucks Rewards Visa Card, including eight select complimentary drink or beverage items per year, extended warranty protection, purchase protection, travel and emergency assistance services, and trip cancellation or interruption insurance. Citi Rewards+ Card benefits include exclusive access to event ticket sales with Citi Entertainment.

Annual fee: The Starbucks Rewards Visa Card has a $49 ($0 first year) annual fee. Capital One SavorOne Cash Rewards Credit Card holders pay no annual fee.

Rewards: The Starbucks Rewards Visa Card earns up to three points per dollar on Starbucks purchases; one point per $2 on purchases at grocery stores, local transit and commuting, and internet, cable and phone services; and one point per $4 on all other eligible purchases. You’ll receive 300 bonus points when you use the card to add money to your Starbucks account through the Starbucks app for the first time. The Capital One SavorOne Cash Rewards Credit Card earns 3% cash back on dining and entertainment, 2% on groceries and 1% on all other purchases.

Sign-up bonus: A 4,500 bonus points welcome offer is available to new Starbucks Rewards Visa Card holders after you spend $500 within three months of opening an account. With the Capital One SavorOne Cash Rewards Credit Card, you’ll receive a $200 cash bonus after spending $500 on purchases within 3 months from account opening.

Benefits: Benefits such as eight select complimentary drink or beverage items per year, extended warranty protection, purchase protection, travel and emergency assistance services, and trip cancellation or interruption insurance are all available to Starbucks Rewards Visa Card holders. With the Capital One SavorOne Cash Rewards Credit Card, you’ll get access to 24-hour travel assistance services, an auto rental collision damage waiver, concierge service, extended warranty protection, price protection, roadside assistance and travel accident insurance.