Subaru Credit Card

on Chase's secure website
on Chase's secure website

Subaru Credit Card

on Chase's secure website
on Chase's secure website

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

APR, Variable

Purchase: 16.99%, Variable

Penalty APR: Up to 30.74%, Variable

Cash Advance APR: 24.99%, Variable

Pros

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

Cons

    Rewards rate

    3.00%

    Annual fee

    $0

    Intro APR

    Purchase: 0% for 6 mos

    Transfer: 0% for 6 mos

    Recommended credit score

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    NerdWallet Review

    Author: Tim Chen

    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.

    NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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