Chase Subaru Credit Card

Subaru Credit Card

ADVERTISER DISCLOSURE
Card Details

Signing Promotion

2,500 Subaru Reward Dollars Bonus

Reward Rate

3.00%

Annual Fee

$0

APR, Variable

Purchase: 16.24%
Penalty APR: Up to 29.99%, Variable
Cash Advance APR: 24.24%, Variable

Intro APR Promotions

Purchase: 0% for 6 mos
Transfer: 0% for 6 mos
Card Features
  • Earn 3 points per $1 spent on purchases
  • Reward dollars redeemable at Subaru dealerships for parts, repairs, new cars, and leases
  • Earn up to $500 per year
thumbsupPros
  • High rewards rate
  • No annual fee
  • 0% for 6 mos on transfers

NerdWallet Review

Author: Tim Chen
Verdict - If you own a Subaru, this is a no-brainer. The card works for service, parts, leases, or a new Subaru. Alternatively, consider the GM 3% card if you plan on buying a new GM. Otherwise, go for one of the numerous 2% cards offered on our rewards credit card page.

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.

Cardholder Reviews

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