I used to have this card. Each month, they take the amount you spend & give you the % of charges back as $ on your starbucks card (same actual card as the cc; it is built in) - when you buy at starbucks & hand them the card, they'll ask if you want to use the visa or sbux card portion. As a daily starbucks customer, it's a good card if you spend a lot on it, so you will get free or discounted coffee :-)