Cabela's Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The Cabela's Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateUp to 6,000 points initial rewards bonusNo foreign feeNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent credit
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.
Cabela's Credit Card has a rating of 3.0/5 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, 2.7/5 for Rewards, 3.0/5 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
488 reviewsRead and write reviews
Editor’s Review
2.3/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.1
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
2.7
Cost
3.0
Other Features
0.0
3.1/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
19.49% - 30.49% (V)
Balance Transfer
APR: 19.49% - 30.49% (V)
Balance Transfer Fee:$0
Rewards
Earn $20 in CLUB points (2,000 Points) upon approval. Earn an additional $20 in CLUB points (2,000 points) after making two Bass Pro Shops or Cabela's purchases, plus another $20 in CLUB points (2,000 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 100 points for $1, which can be used toward purchases at Cabela’s, Bass Pro Shops and Mack's Prairie Wings and their merchandising subsidiaries located in the United States. No minimum points required.
Gain access to member-only CLUB events & offer.
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.
Initial bonuses could be a money-losing proposition. The Cabela’s Mastercard Credit Card gives you a $20 bonus after account approval, which is pretty paltry, compared to what the average card with a cash back bonus doles out: $238.74. Plus you can earn an additional $20 by making at least five non-Cabela’s purchases and another $20 after two Bass Pro Shops or Cabela's purchases within 30 days of opening your Cabela’s Mastercard account, for a total of $60. But let’s say those purchases amount to a total of $150. Between the second $20 bonus and the card’s standard 1% cash back earning rate, you’d get $41.50, bringing your overall bonus to just $61.50.
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 17.11% average for excellent-credit credit cards, according to WalletHub’s latest Credit Card Landscape Report and it could also be much higher than the 23.26% 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.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
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
3.1
fees: 5.0
rewards: 2.7
cost: 3.0
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
4.0WalletHub Rating
WalletHub Rating
4.0
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
4.7
User Reviews
3.9
Market Comparison
4.0
fees: 2.1
rewards: 4.3
cost: 4.6
Other Features: 0.0
(488)
(2,948)
(1,618)
annual fee$0
annual fee$0
annual fee$0 intro 1st yr, $95 after
rewards rate 1 - 2 points / $1
rewards rate 1 - 3% Cash Back
rewards rate 1 - 6% Cash Back
bonus offerUp to 6,000 points
bonus offer As High As $200 Cash Back. Find Out Your Offer.
bonus offer As High As $300 Cash Back. Find Out Your Offer.
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 12 months
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% (min $5)
transfer intro apr0% for 12 months|Transfer Fee:3% (min $5)
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.
You can pay your Cabela's Credit Card either online 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 up autopay is also available when paying online or over the phone.
Here's how you can pay your Cabela's Credit Card:
Online: Log in to your Cabela'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 any Cabela'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.
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...
The minimum requirements for the Cabela's Credit Card include being at least 18 years old, having a good credit score of 700 or better, and earning enough income to afford monthly bill payments. You also need to have a Social Security number or International Tax Identification Number.
The Cabela's Credit Card* interest rate is 19.49% - 30.49% (V), with the exact 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...
There is no disclosed starting credit limit for the Cabela's Credit Card. For the most part, Cabela's Credit Card credit limits depend on each applicant's overall creditworthiness. People with the most income and the best credit scores are generally offered the highest starting credit limits.
That said, the Cabela's Credit Card credit limit that you receive upon approval isn't necessarily your credit line forever. You can ask to get a credit limit increase by calling the Capital One customer service...
You can check your Cabela's Credit Card* application status online or by phone at 1-800-903-9177. 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.
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.
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!
Share your insights and review for the Cabela's Credit Card
5
18%
4
46%
3
18%
2
5%
1
12%
3.5
488 reviews
488 reviews
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felicia grimley @fgrimley8
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1 Star Rating
I have tried to make multiple payments on my card, but nobody is helping me. It's not even showing up as 'pending' in my account, but it's stating that it's posted on the card. It's been multiple days, and now I'm being told to wait weeks. After being initially told to wait until midnight, I was told by another person to wait until 8 AM, and then to wait until midnight again, followed by another person telling me to wait 3 to 5 business days. Making a payment shouldn't be this difficult, and yet, days later, the money is still sitting in my account.
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1
0
Kent Yoder @bear531
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1 Star Rating
If you have a problem with a merchant, they will side with the merchant. Stay away from Cabela's credit cards. If you need them to support you, they will throw you under the bus.
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0
John Schneider @no_reply_jws
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1 Star Rating
10 years ago I applied for a Cabela's credit card and was approved. They're selling point was that they had an in-house bank. I'd occasionally call their customer service number, and would get a very helpful person from Nebraska. They resolved everything and were so personable and helpful.
Then they sold out to Capital One... The Nebraska people were let go, the interest rate spiked, and a new draconian customer agreement was written up. The customer service moved overseas along with my personal information, and the entire experience working with now "Cabelas Club Capital One" became a nightmare. Instead of solving my problems, they said "we're sorry, but we can't..." "That's not our policy" "You need to call another number"
So I shut the account down, and accidentally overpaid my final payment ($1000!). Their policy is to not refund a credit balance until after 4 billing cycles... that's 120 days. Imagine not paying your bill with them for 120 days!
Horrible bank.. Horrible customer service... Will not be held accountable for their mistakes. Will NEVER be in may wallet again.
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1
0
Riversedgejbeedle @Riversedgejbeedle
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1 Star Rating
It sometimes takes two weeks to post payment, and the customer service is spotty. If you need to freeze the card, it can be impossible it's been getting worse over the years. Additionally, if you don't use your online account for a year, it freezes that too, then you have to call and start it up again. If it weren't for the points, I would cancel.
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0
0
Byrneranch1 @Byrneranch1
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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.
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2
0
Briana @bribridraving
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4 Star Rating
Verified Customer
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
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0
0
Jason @reimerpropertyworks18
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5 Star Rating
Verified Customer
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
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0
0
jmaslowskiwi @jmaslowskiwi
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2 Star Rating
Verified Customer
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....
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0
0
Jesse Joksch @nomad208
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1 Star Rating
Verified Customer
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.
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0
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David w Bell jr @slowhandcols
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4 Star Rating
Verified Customer
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.
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* The information about the following cards has been independently collected by WalletHub: Bass Pro Shops® Credit Card, Scheels Credit Card, Sportsman's Warehouse Credit Card, and Cabela's Credit Card.
