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Can I exchange 19980 yuan for a Starbucks?

Published: 2026-01-16 Author: World Gafei

Last Updated: 2026/01/16, More and more credit card points can be exchanged for Starbucks coffee, and if you swipe points, you can drink Starbucks for free. However, bank credit card points are becoming more and more difficult and benefits are getting less and less, causing many cardholders to complain. Some netizens complain about small things worth more than 10, 000 points for 20 yuan, and to exchange things for 300 yuan, you often need nearly 200000 points, but you can save more and more 200000 points.

More and more credit card points can be exchanged for Starbucks coffee, and you can drink Starbucks for free by swiping the points.

However, the bank credit card points are becoming more and more difficult, and the benefits are getting less and less, which makes many cardholders complain. Some netizens complain that for small things worth more than 10,000 points for about 20 yuan, and for things worth 300 yuan, they often need nearly 200000 points, but it is becoming more and more difficult to save 200000 points.

At present, a bank actually costs 19980 yuan to exchange for a cup of Starbucks coffee!

Credit card points benefits are not given away by the bank, but are closely related to the bank's income in the credit card business. Since the change of credit card fees in 2016, the overall level of bank card fees has been declining, and it is impossible for banks to distribute benefits as generously as before.

For example, an unlimited card in a bank can give customers 365 cups of Starbucks coffee for free a year, but the annual fee for this card is as high as 20,000 yuan.

Starbucks points exchange, the most cost-effective is Citic credit card.

Citic Bank: you can get a large cup of Starbucks coffee with 897 yuan.

China Merchants Bank: 799 points for medium cup (China Merchants Bank credit card points have always been 20 yuan for one point, this cup of Starbucks is equivalent to swiping 15980 yuan for it)

Bank of China: 15000 points for two cups on weekends, and one cup of Starbucks for 7500 points on Saturday and Sunday.

Bank of Communications: 17500 points for a large cup (except Jiangsu, Zhejiang and Shanghai) activity stores

Pudong Development Bank: 17500 points in Jiangsu, Zhejiang and Shanghai for a big cup

Also, with regard to the Starbucks buy one get one free benefit offered by Guangfa Bank on Friday, I just want to ask, who do single dogs like us send? Obviously, buy one get one free is used to stimulate single dogs.

However, as an ash-grade single dog, there are

People who never swipe credit cards, it doesn't matter!