<prompt> Human: My fiance and I both have never had a credit card, and were looking to establish credit to buy a house in about a year. We love Starbucks and are both Gold Card members, but were looking for advice as to whether we should apply for the Starbucks Visa. What are your experiences with the card?Any advice would be greatly appreciated!  <response>: Its probably the worst card on earth, in terms of benefits, that you could apply for and have an annual fee. 