Which coffee loyalty program is best: Starbucks, Dunkin' or Dutch Bros?

Your morning cup of coffee might not be the sort of expense you think about optimizing. If it's a regular habit, though, this repeat spending is where combining a rewards credit card with a good loyalty program can really help you maximize your rewards.Starbucks, Dunkin' and Dutch Bros — three of the largest coffee-focused chains in the U.S. (by number of U.S. locations) that have rewards programs available to anyone, no membership fee required — each offer rewards programs designed to turn your coffee fix into complimentary drinks and food, and two of these coffeehouses have overhauled their programs in the last 12 months.In this guide, we take a look at all three programs, comparing menu prices at locations in Phoenix (where all three chains compete) to assess the value of your coffee rewards. Here's what you need to know to be rewarded when you order your next cup of joe.Starbucks, Dunkin' and Dutch Bros comparedStarbucks RewardsDunkin' RewardsDutch RewardsStatus levelsGreen (entry level), Gold (attained after earning 500 Stars) and Reserve (attained after earning 2,500 Stars)Member (entry level) and Boosted (attained after 12 visits in a calendar month)NoneEarning rate1 Star pe...