Review of the Starbucks Duetto Card



The Starbucks Duetto Card was last reviewed on 12th June 2005

Conclusion - The Starbucks Duetto Card is a visa card account and a Starbucks card account combined into one card. We recommend the Starbucks Card Duetto Visa® to the regular Starbucks customer who already owns a Duetto Card because they can earn faster Duetto Dollars. The key features of this card are
  • You earn 1% in Starbucks Duetto dollars for every dollar you spend
  • If you sign up for an optional gift subsribtion feature using the Visa account of your Duetto card, you can earn 3% in Duetto Dollars on Gift Subscribtion purchases
  • You earn 3% Duetto Dollars if you sign up for an auto-reload feature, which essentially uses your visa account to reload your Duetto account once your Deutto account falls below a certain threshold
  • Duetto Dollars you earn are automatically loaded into the Duetto card account which you can use at any Starbucks outlet for a hassle-free starbucks purchase
  • You can load additional Deutto Dollars into your card (much like a debit card)
  • There is no annual fee
  • You get charged a 0% apr for both purchaes and balance transfers for 6 billing cycles

Let us look at this card in more detail.

Reward Formula - The Starbucks Duetto Card is actually a visa card and a Starbucks Duetto "debit" card combined into one. You can use the card like a visa card, earn "Duetto Dollars", which are transfered into the Duetto account. You can 1% Duetto Dollars on your visa purchases. If you subscribe to the auto-load serrvice, which automatically loads your Duetto account if it falls below a certain threshold, you can earn 3% Duetto Dollars for every dollar that is "loaded" into your Duetto account. You can join the optional gift subscribtion feature and earn 3% Duetto Dollars each time you make a gift subscribtion purchase.

Annual Fee and APR - The Starbucks Duetto Card has no annual fee. The apr is either prime rate plus 5.99%, 9.99% or 14.99% depending on your credit. The Starbucks card uses the two-cycle average daily balance method (including new purchases) of calculating monthly balances. You also get a 0% apr for six billing cycles on both purchases and balance transfers.

Conclusion - We recommend the Starbucks Card Duetto Visa® to those who already have a Duetto Card as you can now have one card that combines the Duetto card with a visa and earn faster Duetto Dollars.

Positives
  • Earn 3% Deutto Dollars if you auto-reload your Duetto card account from your visa card account
  • No annual fee
  • 0% apr offer for six billing cycles for both purchases and balance transfers


Negatives
  • Uses the two-cycle average daily balance method (including new purchases)



Starbucks Duetto Card
Reward Formula
Point Accumulation Earn 3% Duetto Dollars when you auto-reload your Duetto account from your visa account
Earn 3% Duetto Dollars when you join the gift subscribtion feature and make a gift subscribtion
Earn 1% Duetto Dollars on regular visa purchases
Cost/Fees/Interest rates
Introductory rate 0% fixed APR for 6 billing cycles (purchases and balance transfers)
Annual Fees No annual fee
Purchase APR Prime Rate plus 5.99%, 9.99% or 14.99%
Balance Transfer APR Prime Rate plus 5.99%, 9.99% or 14.99%
Cash Advance APR Prime Rate plus 14.74%
Penalty/Default Rate Prime Rate plu 23.99%
Min Finance Charge $1.00
Grace Period 20 days
Balance Calculation Method 2-cycle average Daily Balance (including new purchases)
Balance Transfer Fee 3% min $5.00 max $75.00
Convenience checks fee 3% min $5.00 max $75.00
Cash Advance fee 3% min $10.00
Foreign Currency Conversion fee 3%
Over-the-credit-limit fee $35.00
Late Payment fee $15.00 - up to but not including $250.00
$39.00 - more than $250.00



Apply for the Starbucks Duetto Card

If you already have this credit card, we would appreciate if you can take some time to post your review. Our readers will find them very helpful.




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