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: 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
Apply Now

on Chase's
secure website

thumbsupPros
  • High rewards rate
  • No annual fee
  • 0% for 6 mos on transfers

Editor's 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.

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

*Disclaimer: We try to keep information accurate and up to date, however we cannot make warranties regarding the accuracy of our information. Please verify FDIC Insurance / NCUA Insurance status, credit card information, and interest rates during the application process. Please note that NerdWallet has financial relationships with some of the merchants mentioned here. NerdWallet may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.

*Advertiser Disclosure: Many of the credit card offers that appear on this site are from companies from which NerdWallet receives compensation. The results of our “card comparison and finder tool”, card assessments, and reviews are based on objective quantitative and qualitative analysis of card attributes. They are not affected by compensation. Compensation may impact which cards we review and write about and how and where products appear on this site (including, for example, the order in which they appear). While we try to feature as many credit cards offers on our site as we can maintain (1,700+ and counting!), we recognize that our site does not feature every card company or card available on the market. Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation. For a list of all of our advertising partners, click here

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

* Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

© Copyright 2014 NerdWallet, Inc. All Rights Reserved. Privacy Policy|Terms of Use
Nerdwallet, Inc. is a BBB Accredited Financial Service in San Francisco, CA