Subaru Credit Card

Subaru Credit Card

Subaru Credit Card

Subaru Credit Card

Subaru Credit Card

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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

Chase Subaru Credit Card

Subaru Credit Card

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

16.99% Variable

Regular APR

21.24%-29.99%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

Purchase: 0% for 6 mos

Intro APR

0% 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 APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Tim Chen

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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.