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Cabela’s CLUB® Card

Cory Santos

| Last updated on November 15th, 2023

Cabela's CLUB® Card

Cabela's CLUB® Card
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent
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None Annual Fee

Cabela's CLUB® Card

  • 9.99% for purchases at Bass Pro Shops and Cabela's, 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 31.99% variable based on the Prime Rate Cash Advance APR

At a Glance

An excellent card for the outdoor lovers, Cabela’s CLUB® Card members can enjoy the best of both worlds and earn up to 5% back on purchases from both Cabela’s and Bass Pro Shops – redeemable in-store or online at either retailer.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 2% back in CLUB Points on all purchases at Cabela's and Bass Pro Shops
  • Earn 1% back in CLUB Points on all other purchases where Mastercard is accepted
  • No annual fee
  • Earn points toward free gear and get access to member-only CLUB events
  • Regular Purchase APR: 9.99% for purchases at Bass Pro Shops and Cabela's, 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount for transfers posted at a promotional APR. None for balances transferred at the standard APR
  • Cash Advance APR: 31.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • You want a card with no annual fee
  • You frequently participate in outdoor recreational activities
  • You're looking to purchase a big-ticket recreational items

Cabela’s CLUB® Card Review

A must-have card for the avid huntsman or gun enthusiast, the Cabela’s CLUB Card makes it easy for loyal customers to earn points toward future purchases. The card has no annual fee regardless of CLUB membership tier. It provides cardholders exclusive access to signature outdoor adventures, member-only deals, and a special low APR for all Cabela’s purchases.

In-Person Welcome Offer

As the Cabela’s Club Card is a retail credit card, Capital One provides an exclusive incentive for you to apply in-store at any Cabela’s or Bass Pro Shops location. After meeting minimum spending requirements, that offer is up to $60 in CLUB points. Cabela’s offers a bonus of up to $60 in CLUB points upon approval and an extra $30 worth of points after making five purchases within the first 30 days.

Limited-time Bonus Offer

From now through December 24, 2023, Cabela’s and Capital One are offering another welcome bonus: 0% intro APR for 12 months when you spend $500 or more on your new Cabela’s CLUB Mastercard account.

How to Earn Rewards

As mentioned, the Cabela’s Card from Capital One is a versatile cash back rewards card with no annual fee. How you earn depends on your elite tier status with Cabela’s. Classic tier members will earn 2% on all Cabela’s and Bass Pro Shop purchases, silver level memberships will get 3%, and the ultimate black tier will score cardholders an impressive 5% back.

The highest tier of the Cabela’s CLUB Credit Card puts it on par with some of the best retail rewards cards out there – but even if you don’t find yourself hitting the $25,000 spending minimum for the premium black card, you’ll still find yourself with everything to gain and nothing to lose. Club members at the Classic level will earn 2% back on purchases without any spending requirement (you’ll automatically be bumped up to Silver when your spending reaches $10,000). With no annual fee, no cap on potential earnings, and points that never expire, Cabela’s credit score is well suited for the wallet of the outdoors enthusiast who buys gear even just a few times a year.

How to Redeem Rewards

Redeeming points is very straightforward. Any purchases made at Cabela’s, Bass Pro Shops, or their restaurants or lodges, and Cenex® convenience stores will earn you 2, 3, or 5 rewards points for every dollar spent. Every 100 points is worth $1 and can be applied both in-store and online to save your final purchase price. Whether you’re saving for a big-ticket item or needing an accessory from time to time, both retailers’ combined earning and redemption options make it easy for cardholders to maximize the value of this niche card.

To redeem points, visit and log in. Then, check the total points on your Cabela credit card. You can also use the Cabela site to pay a bill. 

Outdoors Card Comparison

There are several retail credit cards aimed at the avid outdoorsman and lovers of fishing.Here is how the Cabela’s CLUB Card compares:

FLW Visa® Rewards Card Bass Pro Shops® CLUB Card Cabela's CLUB® Card
Annual fee $0 $0 $0
Rewards 3X on streaming, cable, & rideshares; 2X on gas and dining; 1X on all else 2% back on Bass Pro Shops or Cabela’s purchases; 1% on all else 2% back on Bass Pro Shops or Cabela’s purchases; 1% on all else
Other Free FLW membership Special store financing Special store financing
Network Visa Mastercard Mastercard

Other Card Features

Other noteworthy features of the Cabela’s CLUB® Card from Capital One include:

  • Competitive, variable APR
  • $0 Fraud Liability
  • Mobile wallet compatibility with Apple Pay, Google Pay, and Samsung Pay.
  • Access to Eno, Capital One’s digital assistant

Cardholders also enjoy essential security protections that come from Mastercard, including:

Zero Liability Protection Mastercard Global Services ID Theft Protection

Capital One Ratings

How is Capital One a credit card issuer? Here is a selection of reviews for the bank from consumers and experts alike:

Should You Apply for the Cabela’s CLUB Card?

Shopping for outdoor supplies can be pricey. Fortunately, the Cabela’s CLUB Capital One Mastercard helps offset those costs with purchases at Cabela’s and Bass Pro Shops across the U.S.

Overall, Cabela’s CLUB Visa Card has particular rewards that will only benefit is to customers of Cabela’s or Bass Pro Shops. With only 1% back on all other purchases and no option to redeem points for cash, the Cabela’s CLUB® Card is a solid option as a retail credit card but not one for everyday use. You’ll find this card brings the best value to individuals who already have a well-rounded credit card and frequently partake in outdoor activities.

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