Subaru Credit Card Review | NerdWallet
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Subaru Credit Card

Apply Nowon Chase’s secure website.
Apply Nowon Chase’s secure website.

Subaru Credit Card

Apply Nowon Chase’s secure website.
Apply Nowon 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: 16.24%, Variable

Penalty APR: Up to 29.99%, Variable

Cash Advance APR: 24.24%, Variable


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

Rewards rate


Annual fee


Intro APR

Purchase: 0% for 6 mos

Transfer: 0% for 6 mos

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.

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