Capital One
Cabela’s CLUB Card
Key Features
| Annual Fee | $0.00 |
| Regular APR | Purchases made with Bass Pro Shops and Cabela’s will qualify for a 9.99% APR. This includes purchases in-store, online, over the phone, and with our Signature Events. |
| Network | Mastercard |
About this card
The Cabela's CLUB Card is a niche product best suited for loyal customers of Cabela's and Bass Pro Shops. Its strengths lie in the absence of an annual fee, the sign-up bonus, and the lack of foreign transaction fees. However, the card's value is significantly limited by its high APR on purchases outside of Cabela's and Bass Pro Shops, its restrictive rewards program where points can only be redeemed at those stores, and the relatively low rewards rate on general spending (1%). While the 9.99% APR on Cabela's/Bass Pro purchases is attractive, it doesn't compensate for the high APR elsewhere. The rewards program offers up to 5% back, but reaching the higher tiers requires substantial spending, making it less accessible to the average user. The issuer, Capital One, is reputable, but the card's overall value proposition is weak compared to general-purpose rewards cards. Considering these factors, the overall rating is 2.6, placing it in the 'Fair' category. It's an average card with notable limitations, primarily benefiting a narrow segment of consumers. The card is not recommended as a primary credit card.
Pros & Cons
What's great
- No annual fee
- Sign-up bonus
- No foreign transaction fees
- Rewards on purchases
Things to consider
- Limited rewards categories
- High regular APR
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn up to $50 in CLUB Points for FREE GEAR!
- You’ll receive $20 in CLUB Points upon approval.
- You can earn $10 in CLUB Points after 2 Bass Pro Shops or Cabela’s purchases within 30 days of account approval.
- You can earn $20 in CLUB Points after 5 purchases everywhere else Mastercard is accepted within 30 days of account approval.
Rewards
- Up to 5% points back on all Bass Pro Shops and Cabela’s purchases.
- 1% points back on purchases everywhere else Mastercard is accepted.
- Classic Earn 2% points back
- Silver Earn 3% points back
- Black Earn 5% points back
Other features
- Find out if you're pre-approved with no risk to your credit score.
- In-store events, extra point offerings & discounts, exclusive CLUB Member pricing, and giveaways are just the beginning.
- CLUB Members get exclusive access to world-class hunting and fishing experiences all around the world.
- Manage your account, access your virtual card, check your balance and more with the award-winning Capital One Mobile app.
- Effortlessly lock your card with a few taps if it has been misplaced, lost or stolen.
- Schedule automatic payments so you never miss a payment.
- View your card rewards and see how close you are to earning even more.
- CLUB Points never expire for open accounts. There is no limit to how many points you can earn and they can be easily redeemed for purchases at Bass Pro Shops and Cabela’s.
- Yes. You’re never charged foreign transaction fees.
- At Bass Pro Shops and Cabela’s, our customers come first. That’s why we refuse to be beaten by any price currently being offered by a local retailer or on a qualifying website. For our valued CLUB Members, we won’t just match the price, we’ll beat it by 5%.
- CLUB Points are redeemable at Bass Pro Shops and Cabela’s for merchandise including boats and ATVs.
Additional Notes
Credit Level: GOOD-EXCELLENT. The Bass Pro Shops & Cabela’s CLUB cards are issued by Capital One, N.A. pursuant to a license from Mastercard International Incorporated.