Penalty APR: 29.99%, Variable
Cash Advance APR: 24.24%, Variable
Intro APR Promotions
Transfer: 0% for 6 mos
The only credit cards out there with 3% base reward are automotive cards, because the credit card company actually loses money when the pay out 3% rewards. This is because the highest fee anyone collects (on average) from merchants is less than 2.5%. Automotive cards are willing to take a small loss to get your loyalty.
You can only earn $500 Subaru Bucks a year, which means you are limited to $16,667 a year in spending before you max out. The APR range is actually quite reasonable for a rewards card of this caliber, but if you plan on running up a balance, you're better off getting a low APR credit card in addition to this card.
Need more rewards program flexibility? Go with a 2% cash or "cash equivalent" card from Fidelity, Schwab, Discover Escape, or Navy Federal Credit Union.