WalletHub Rating
2.9/5
Cabela's Credit Card has a rating of 2.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Cabela's Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Cabela's Credit Card earned a score of 5.0/5 for Fees, 2.5/5 for Rewards, 2.8/5 for Cost, and 3.5/5 for User Reviews.Info about the Cabela's Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.5/5
480 reviewsRead and write reviews
Editor’s Review
2.3/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
2.9
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
2.5
Cost
2.8
Other Features
0.0
2.9/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
20.49% - 32.24% (V)
Balance Transfer
APR: 20.49% - 32.24% (V)
Balance Transfer Fee
Rewards
Earn $20 in CLUB points (2,000 Points) upon approval. Earn an additional $10 in CLUB points (1,000 points) after making two Bass Pro Shops or Cabela's purchases, plus another $10 in CLUB points (1,000 Points) after making five purchases anywhere Mastercard® is accepted within the first 30 days of account opening.
Earn 2 points per $1 spent on all Cabela's and Bass Pro Shops purchases.
Earn 1 point per $1 spent everywhere else with no cap and no expiry. Terms Apply.
Silver card holders earn 3 points per $1, $10,000 annual spend requirement; Black card holders earn 5 points per $1, $25,000 annual spend requirement.
Redeem points for merchandise at Bass Pro Shops and Cabela's or at Bass Pro Shops restaurants and resorts through the mobile app.
Gain access to member-only CLUB events & offers.
Cabela's Credit Card's Additional Info
Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
9.99% APR for Cabela's and Bass Pro Shops Purchases.
3% Balance Transfer Fee for balance posted at a promotional APR. None for balances transferred at the Regular Transfer APR.
Free Online Services.
| cash advance fee | 5% (min $5) |
| cash advance APR | 32.24% (V) |
| foreign transaction fee | 0% |
| smart chip | Yes |
| max late fee | 40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Learn More
at Capital One's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
June 24th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Cabela's Credit Card Pros & Cons
No membership fees
High rewards rate
Up to 4,000 points initial rewards bonus
No foreign fee
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
Cabela's Credit Card Review
2.3 / 5
- Initial bonuses could be a money-losing proposition. The Cabela’s Mastercard Credit Card gives you a $20bonus after account approval, which is pretty paltry, compared to what the average card with a cash back bonus doles out: $228. Plus you canearn an additional $10 by making at least five non-Cabela’s purchases and another $10 after two Bass Pro Shops or Cabela's purchases within 30 days of opening your Cabela’s Mastercard account, for a total of $40.But let’s say those purchases amount to a total of $150. Between the first$10 bonus and the card’s standard 1% cash back earning rate, you’d get $21.50, bringing your overall bonus to just $41.50.
- Ongoing rewards only worthwhile for Cabela’s and Bass Pro purchases. You will earn the points equivalent of 2% cash back on purchases made at Cabela’s and Bass Pro Shops. That’s OK but nowhere close to what the best store-affiliated credit cards will give you. Plus, all other purchases made with your Cabela’s Credit Card will yield just 1%, which is actually below the market average for a rewards card.
- APR could be really good or really bad. The Cabela’s Card could have an APR which is above the 18.04% average for excellent-credit credit cards, according to WalletHub’s latest Credit Card Landscape Report and it could also be much higher than the 24.12% average for good-credit credit cards. It all depends on your creditworthiness. And if your credit isn’t perfect, you should probably plan for a rate toward the high end of the range, just to be safe. That means you should pay your bill in full every month when using the Cabela’s Mastercard.
- You need good credit to get the Mastercard. The Cabela’s Club Mastercard, as it is more officially called, requires good or excellent credit for approval. You can get a sense of whether you’ll qualify by checking your credit score for free on WalletHub. Not getting the Cabela’s Club Mastercard wouldn’t be the worst thing in the world, though. You can earn 2% back on all Cabela’s purchases by simply getting the Cabela’s Member Rewards Card, which isn’t a credit card and doesn’t require a credit check. So the modest bonuses are all you’d really be missing.
Show More
Compare The Cabela's Credit Card vs. Popular Alternatives
 Cabela's Credit Card |  Prime Visa |  Blue Cash Everyday® Card from American Express |
|---|---|---|
2.9WalletHub Rating WalletHub Rating 2.9 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 2.3 User Reviews 3.5 Market Comparison 2.9 fees: 5.0 rewards: 2.5 cost: 2.8 Other Features: 0.0 | 4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 Market Comparison 4.4 fees: 5.0 rewards: 4.3 cost: 4.6 Other Features: 0.0 | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 3.6 Market Comparison 4.2 fees: 4.3 rewards: 5.0 cost: 4.3 APR: 3.8 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APR0%for15 months |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro apr0% for 15 months|Transfer Fee: 3% (min $5) |
Regular APR20.49% - 32.24% (V) | Regular APR20.49% - 29.24% (V) | Regular APR19.24% - 29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now Terms Apply |
Questions & Answers
Can't find what you are looking for? Submit your question about Cabela's Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
3
Upvotes
How can I pay my Cabela's Credit Card?
Reply
3
Maria Adams, Credit Cards Moderator
@m_adams
You can pay your Cabela's Credit Card eitheronline or over the phone at(800) 850-8402. Alternatively, you can make a payment at a U.S. CLUB booth in any Bass Pro Shops or Cabela's retail location, or by mail. Setting upautopayis also available when paying online or over the phone.
Here's how you can pay your Cabela's Credit Card:
- Online: Log in to yourCabela's Credit Card online account, click the “Make A Payment” button, and enter the amount you'd like to pay.
Next, you can select your preferred payment account or add your bank account and routing numbers as a form of payment. Then, choose the date you want your payment to post, and click “Submit Payment”. - By phone: Call(800) 850-8402. Make sure to have your credit card number nearby, because you'll need to provide it. The automated system will guide you through the payment process.
- At a store: You can pay your Cabela's Credit Card with cash or a personal check inside anyCabela's or Bass Pro Shops location. Simply visit the CLUB booth inside. Make sure to bring your credit card and your bill with you, too.
- Via mail: You can mail in a Cabela's Credit Card payment by sending a check or money order to:
Capital One
PO Box 71083Charlotte, NC 28272-1083
Keep in mind that payments via mail take the longest time to post. So, in order to avoid being late, always send your payments at least 5-7 days before your due date.
5
Upvotes
How do I apply for Cabela's Credit Card?
Reply
5
1
Adam McCann, Financial Writer
@adam_mcan
The easiest way to apply for the Cabela's Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Capital One's website. Alternatively, you can apply in store.
Keep in mind that the Cabela's Credit Card requires Good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...
show more
3
Upvotes
What are the Cabela's Credit Card approval requirements?
Reply
3
@timpnorman
@timpnorman
The Cabela's Credit Card approval requirements include:
- A credit score of at least 700. So, you need good credit or better for approval.
- More income than your monthly expenses.
- Age of 18+
- Must be either a U.S. citizen or a permanent resident.
- Relatively low debt.
- You need a Social Security Number or an Individual Taxpayer Identification Number.
Keep in mind that a Cabela's Credit Card application will result in a...
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3
1
View more answers
1
Upvote
Whats the Cabela's Credit Card interest rate?
Reply
1
Rodney Bennett, WalletHub Analyst
@rodneyben
The Cabela's Credit Card interest rate is 20.49% - 32.24% (V), with the actual rate depending on factors such as your income, credit history and existing debt. This Cabela's Credit Card interest rate is variable, meaning it can change based on certain economic conditions.
The Cabela's Credit Card gives you a 25-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest...
show more
1
Upvotes
What's the starting credit limit for Cabela's Credit Card?
Reply
Hannah London
@hannah_london
The Cabela's Credit Card's starting credit limit is $300. And if you're particularly creditworthy, your credit limit might bea lot higher than that.
The Cabela's Credit Card credit limit that you start with isn't necessarily your credit line forever. You can ask for a credit limit increase by calling the number on the back of your card. Also, the issuer will evaluate your account periodically to determine if you're eligible for a higher limit. The best thing you...
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1
2
Upvotes
How do I check my Cabela's Credit Card application status?
Reply
2
Chip Lupo, Credit Card Writer
@CLoop
You can check your Cabela's Credit Card application status online or by phone at 800-903-9177. For both methods, you'll need to provide your Social Security number, date of birth, and ZIP code so that Capital One can match you to your application.
How to Check Your Cabela's Credit Card Application Status Online
- Go to the Capital One application status page.
- Give your Social Security number, date of birth, and ZIP code when prompted.
- View your Cabela's Credit Card application status:...
show more
34
Upvotes
How can I get a Cabela's Credit Card cash advance?
Reply
34
23
Chip Lupo, Credit Card Writer
@CLoop
To get a Cabela's Credit Card cash advance:
- Call Capital One customer service at (800) 850-8402 and request a PIN, if you don't already have one.
- Insert the credit card at an ATM and enter the PIN.
- Select the cash advance option on the ATM screen.
- Enter the amount you'd like to withdraw.
- Withdraw the cash and remove the credit card from the ATM.
It's important to note that a...
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43
Upvotes
How long does it take to get the Cabela's Credit Card?
Reply
43
27
Evelyn Russell
@evelyn_russell
It takes 7 to 10 days to get the Cabela's Credit Card in the mail, after approval.
If it's been more than 10 days, and your card still isn't delivered, you could call Cabela's Credit Card customer service at (800) 300-1723 to ask out about it.
3
19
Upvotes
Does this card offer air miles?
Reply
19
18
WalletHub
@WalletHub
No, unfortunately this card does not offer airline miles. It provides discounts on Cabela's purchases. If you're interested in miles, check out the offers here: wallethub.com/credit-cards/airline-miles/ . Hope this helps!
15
Upvotes
When will I get my new card?
Reply
15
17
WalletHub
@WalletHub
You should give the Cabela's customer service a call at 1-800-872-2657. They'll be able to help you with your request.
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Cabela's Credit Card Reviews
Share your insights and review for the Cabela's Credit Card
5
18%
4
46%
3
19%
2
5%
1
11%
3.5
480 reviews
480 reviews
What's Your Rating?
Most Recent
Byrneranch1
@Byrneranch1
1 Star Rating
Terrible customer service. Contacted me in Arizona about fraud on my Cabela's card, told me I would get a new card in 2 to 3 days but nothing came. Called them back, they told me it was sent to Idaho, which I never got. Called them again, they wanted $16 to send me a card in 2 to 3 days in Arizona. Total rip-off. Canceled the card. Don't waste your time with them. I don't think I will buy much from Cabela's again; they are way overpriced.
Comment
2
Briana
@bribridraving
4 Star Rating
Good place to shop. I love it when u get rewards for shopping in places u love. So I really recommend this credit card to who loves to shop with Cabela's
Comment
Jason
@reimerpropertyworks18
5 Star Rating
Love the in-store points. Very easy to work with and allows me to watch mu credit. Also love the app provided with the card to check on things closely
Comment
jmaslowskiwi
@jmaslowskiwi
2 Star Rating
I've been a Cabela's Credit card holder since 1998. I loved this card for years for the points I received and the excellent customer service I was provided. for 24 years, I have religiously paid off every bill on time and in full. Last month, I must have misplaced the bill and noticed that I had a balance and a service fee for late payment. No problem, I'll just call, get the late payment fee waived and go from there. I was asked at least 6 times during the conversation if I would/ could pay the minimum amount due ($76) over the phone right now. I asked them to look at my payment history several times. I felt like they thought I was a deadbeat ( I had full intention of paying the full amount due as soon as we hung up via my online banking). I asked how I cancel my card. They said they could do it right over the phone. Really?? They knew I was a 24 year member. Wouldn't you think they might ask "Can I ask why you would want to cancel?" I was so PO'd I hung up on them. My plan is to get my Cabela's points in a gift card and dump the card as soon as I can. Love that place for so long....
Comment
Jesse Joksch
@nomad208
1 Star Rating
Absolutely horrendous company! Was just on the phone with Customer Service for at least 20 minuets. Call dropped, then had to call again. Agent wasn't that friendly, but she did mention that they are unable to call you back. Ended it with her, and called again. Got a friendly agent, and was on the phone with her for about 35 minuets. Having a hard time making my payment every month, so was looking for assistance. Not only did I waste almost an hour, the only option was to make my payment higher. Now, other then the ridiculous interest rates, I know even more that they just don't care about people. Note: Account was previously maxed out by a nephew I was trying to help. Will no longer support Cabelas, or Bass Pro Shops.
Comment
David w Bell jr
@slowhandcols
4 Star Rating
Easy to enroll. No monthly fee is nice, no annual fee a plus. Would be much better for those that are new to credit cards to get a monthly statement via mail or email.
Comment
whuser67120701
@whuser67120701
1 Star Rating
Horrible Company.... Purchased an auto warranty for 5 years for my Dodge Ram pickup. Paid total amount with my Cabela's Capital One card. Company that sold the auto warranty went out of business. Called Cabela's Capital One to file a dispute to get the remander of my money back and Cabela's Capital One basically told me "tough luck" and they say they can't help with filing a dispute!!!!!! What B.S. I just got taken for over $1500 dollars. Thanks Capital One....They will lie and tell you anything to get you to sign up for their card. BEWARE !!!!
Comment
1
Kevin
@kevinc
1 Star Rating
Left wing liberal spokespeople are reason enough to never do business with this company, Capital One. I am canceling this card even though I am a fan of Cabela’s and do business with the company on a regular basis. I just use my American Express. Guess what is not in my wallet?
Comment
MIKE DUKES
@mikedukes1
It's really easy it's called autopay you admitted that you may have misplaced or forgot about your payment that is not on the banks responsibility so you been with them for 24 years they're not going to baby you to keep an account if you're not going to pay the late fee
Comment
plepoer
@plepoer
1 Star Rating
If it was possible to give a worst rating, I would...a points system that I can't use towards the balance of the credit card? No worries, I'll pay off balance, and cut up the card! I go to a service provider that isn't as deceptive.
Comment
Mark
@pumpingironmke
3 Star Rating
Middle of the road starter card. Nothing to write home about! Good enough to start getting a payment history down, to improve your history.
Comment
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