Subaru Credit Card
Subaru Credit Card
Subaru Credit Card
Card details
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
Rates, fees & offers
Annual fee
$0
Rewards rate
3.00%
Bonus offer
2,500 Subaru Reward Dollars Bonus
Intro APR
Purchase: 0% for 6 mos
Transfer: 0% for 6 mos
Ongoing APR
Purchase: 16.99%, Variable
Penalty APR: Up to 30.74%, Variable
Cash Advance APR: 24.99%, Variable
Balance transfer fee
3%
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
Subaru Credit Card | ||
---|---|---|
Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR16.99% Variable | Regular APRSee Terms | |
Intro APRPurchase: 0% for 6 mos | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Tim Chen
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Rating details
3.5
Editor's overall rating
Pros and cons
Pros
High rewards rate
No annual fee
Intro APR period on Purchases and Balance Transfers
Cons
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.
With the Subaru Credit Card, 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.