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Cabela's Credit Card

cabelas credit card
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Info about the Cabela's Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

Cabela's Credit Card’s Rewards

up to $35 in CLUB Points
Base Earn
1% in Points Back
Max Earn
2% in Points Back
  • Receive $25 in CLUB Points that can be redeemed toward today's purchase.
  • Make five purchases outside of Cabela's with your new Cabela’s Credit Card within 30 days of account opening and earn an additional $10 in points. Points will appear in up to 60 days after your fifth purchase.
  • Earn 2% in Points Back on Cabela’s purchases.
  • Earn 1% Points Back on purchases anywhere else.
  • Earn 2% in points at participating Cenex convenience stores.
  • Points never expire and there is no maximum number you can earn on accounts in good standing.

Cabela's Credit Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
9.99% - 21.51% (V)

Cabela's Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • GRACE PERIOD   25 days
    25.51% (V)
    4% (min $10)
  • SMART CHIP   Yes
  • Free Online Services.
Apply Now
at World's Foremost Bank’s
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Customer Questions and Answers

Don't see what you're looking for? Submit your question about Cabela's Credit Card to our community.

How long do you have to wait to get your credit card after you've been approved?

Photo of Card H.
Mar 17, 2016
Your card and welcome packet will be delivered within 10 business days of account approval. Best of luck!
18 Votes 27 9

How do I get a cash advance?

Photo of Card H.
Feb 18, 2016
You can get a cash advance at any ATM, provided that you have obtained a PIN from the card’s issuer. To get your PIN, you can call customer service at 800-850-8402. Just take into account that cash advances are quite expensive, as you’ll have to pay a fee equal to 4% of the amount that you withdraw (or $10, whichever is higher) and interest will immediately begin accruing at a rate of 25.42%. You can learn more about cash advances in our article here: .
9 Votes 24 15

What does my credit score need to be to be approved?

Photo of Card H.
May 19, 2016
Applicants generally need good credit, which means a score of at least 660, to qualify for the Cabela’s Credit Card. But that’s not a hard-and-fast rule, and a number of other factors are also in play, such as your income and existing debt obligations. You can nevertheless check your credit score for free on WalletHub to get a sense of your chances: .
Hope this helps!
2 Votes 7 5
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Customer Reviews

Share your insights and review the Cabela's Credit Card.

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3.7 out of 5

399 reviews
Photo of Elizabeth D.
Jul 16, 2016
I have had my Cabelas Club Visa for 2 years. I have always made my payments on time never late and today I get a letter saying they were closing my account because my credit score dropped. Are you kidding me I have never had an issue with paying every month always before the due date so I would not recommend this card to anyone!!!! I have 2 other credit cards so you are more than welcome to have your card and cancel my account I will never shop at Cabelas again.
Photo of Victoria H.
Jul 12, 2016
I ordered my card and was advised that it would take 7-10 business days before I would receive the card in the mail. I waited the 10 business days and still did not receive the card so I called and was informed that they had mailed it to the wrong address. The card had not been used so they cancelled the card and are sending me a new one... This will take another 10 business days. So pretty much Im waiting almost a month to get my card.
Photo of Bruce S.
Jun 15, 2016
Had someone unauthorized attempting to use my card. I was notified by the Worlds Foremost and a cancellation was placed on the card. Found out that the card won't be replaced for 10 days. This makes is very difficult to use if it is your everyday card. When I have had this event happen on other cards I have received as quickly as overnight or at least within a couple of days. Foremost had no concerns over the inconvenience.
Photo of LaShonta B.
Jun 2, 2016
Their customer care department is very unprofessional. They added my boyfriend as an authorized user then closed my account the next day. When I call to discuss this issue with someone, they hang up in my face. Their names are Donna and Curtis. They are fucking cunts and should not work in the customer service field. I am not paying that credit card off if my life depended on it. I have no problem waiting 7 years bitches.
Photo of Charlene V.
Jun 15, 2016
I love it....You tell it honey. That is what I always say, What the hell happened to customer service these days....
Photo of Cullen R.
Apr 15, 2016
Stay Away!! This is bad card and a horrible company. The gave me an initial limit of 3500 which I never even came close to. I always pay on-time a bit extra. At six months I went to use my card at a competing outdoor store and it was declined (I had checked my available balance that morning and I had 2k available). When I called them, they had just lowered my limit to match my balance, and now every time I reduce the balance owed by 100.00, they lower the limit to match. My other credit card companies regularly raise my limits, but not Cabelas. I no longer shop more
Photo of Michele S.
Apr 11, 2016
Don't get this card! It doesn't matter how good you are with paying them on time, never going over the limit and basically being a good customer. If you pay the balance off and they don't like your current credit score at that time they will take away your credit limit messing with your credit score even more. I paid off my card to help my score and have money for my vacation in case of an unforeseen problem, now I have neither. No credit limit and no way it will help my credit score and no extra money for my vacation. I would of been better off paying one more
Photo of bryanmd88
Mar 14, 2016
I got this card because I love the outdoors. Whether it is hunting, fishing, or camping - I could find exactly what I want at this store. I felt it was an absolute must to get the card. They offer cash back in the form of gift card to their store, in the form of club points. Points are very easy to earn, by just using the card anywhere visa is accepted. I also love the interest rate on in store purchases, at only 9.99! I don't have any suggestions for improvement so far because the card is very easy to use and the customer service has been excellent on more
Photo of Janet P.
Feb 20, 2016
Horrible card. They deny use and it takes 60 minutes to get rep. Even when you tell them you are traveling they keep denying. No customer service and a total waste of your time.
Photo of Andy S.
Feb 18, 2016
Do not get this card. I opened an account for a promotion and that was all well and good. I had this card for about 18 months with every payment made on time. Cabelas kept lowering my credit limit until closing the account on me...the first reduction came while I was on vacation and my room charge was declined when I thought I had $2500 available. Thankfully I carry other cards but it made me look like an ass.

Horrible customer service and credit practices, I will never have another card with them.

I would have given negative starts off possible.
Photo of Paul H.
Feb 15, 2016
Customer Service is absolutely horrible. I received an automated fraud alert call which required a callback by me. The automated alert information about the charge was unintelligible and there were no Fraud Alert Advisors available! Then I called Customer Service and sat on hold for a little over 30 minutes. That rep released the hold on my card but couldn't authorize the payment on the charge in question. She also couldn't (or wouldn't) connect me with a supervisor but promised me a callback from one. It has been over 24 hours and no callback. Unacceptable.
Photo of Thomas G.
Feb 7, 2016
I've had this card now for 4 or 5 years and so far so good. I use it to purchase just about everything and pay the balance of almost weekly. Had a fraudulent charge once and they called me and took care of it immediately. I am currently a black card holder and my only gripe is why can't they reward us with at least a 1.5% cash back on purchases vs the 1%? The only real advantage over the signature card is the 5% back at cables vs 2%. We have to spend a lot of money to be considered a black card so up the reward a little.
Photo of Bill E.
Oct 13, 2015
Can't reach customer service by phone. I am now on hold for about 45 minutes. I have had the card since 2001 and they have obviously changed their customer service practices.
Photo of Amber W.
Oct 12, 2015
Cabela's Credit Card is a great credit card. The $30 back from the card is a great bonus. The Points Back policy is a very nice additive for a store credit care. I love that the card does not have a annual fee. Although this is a great credit card, I personally am more interested in a high points system. But my husband would enjoy this card especially because he loves Cabelas.
Photo of Francine F.
Sep 23, 2015
I worked my credit up to a black card. Paid my charge card off every month. Had excellent credit' The card was in my name, I opened it, my new husband had filed Bankrupt. the year before had no credit. I added his name onto the account...We got a divorce, I wanted to get him off of the account. Cabela's said they would mail me forms, fill them out, mail them back, then they could take him off....By the time I noticed what he had done...I called, cancelled my account of over 20yrs. He managed to run up the account and dropped it on me...My credit score has fallen over more
Photo of Kevin M.
Sep 4, 2015
What can I say...they are GIVING away free money. I use this card for normal everyday purchases instead of my debit card. Then I simply go home and move money from my debit card account to this card. It's an extra step but it helps rack up the points quickly.
Photo of Martin W.
Aug 30, 2015
GOOD: great customer service, they call back if charges look "funny". Willing to work with me if I miss a payment... memory is gettin' old. BLACK card member so the points are great. CENEX rewards are 2% and I buy a lot of gas for work. Buy a lot of hunting licenses out west so the points add up fast. As long as you pay every month the card is great. Have had the card for over 12 years.
BAD: I would ALWAYS call the credit card company (located in Lincoln, NE.) and someone would answer the phone and help out... VERY QUICKLY. Recently Cabelas Visa has implemented a new system. more
Photo of Tín L.
Jun 30, 2015
Cabela's Credit Card is a beneficial credit card. 30$ gift from the card is a good starting. Moreover, I think the Points Back policy is very attractive for a common credit card. One more good thing for this card is that there is no annual fee. This card is a recommended choice for me.
Photo of Shaun F.
May 14, 2015
The Cabela's Credit card is a solid card for use at Cabela's. First, it has no annual fee, points do not expire, and you earn 2% points on Cabela's and Cenex purchases, 1% points on everything else. It also can offer an acceptable low APR for good credit holders. This card is similar to the another card I hold, but that one offers a 0% interest on balance transfers that Cabela's does not. The rates between the two are comparable, but you will earn 1.5% unlimited rewards on everything with my other card rather than just 1%. This is a great card if you shop regularly at Cabela's and Cenex, more
Photo of Frank W.
Apr 27, 2015
As a big hunter, I love the Cabela's Credit Card. The interest on it is really good, and there are a ton of different rewards and poitns options for stuff you can buy at Cabelas. Adding to that, the points never expire so you can save them up for something big if you want. Plus, you can use it at other stores as a normal credit card, you just won't get as many benefits.

It's a great way to save money as a hunting/sports enthusiast, a great way to build credit, and isn't as restrictive as a store card. Even compared to something like the Discover Rewards card, it's a very more
Photo of Bill K.
Apr 8, 2015
I not only got a great interest rate, at least for my credit history I also got a free Cabela's hat when I signed up, the bonus points were nice and there other reward points add up very quickly if you use this card just at there stones and there website, but if needed you have the ability to use at other store just with less rewards, they also have three different levels of card depending on how much you spend with them and each higher card gives you a better rewards rate when you use the card at there stores or web site. I have really made very good more
Photo of Clay K.
Mar 25, 2015
I am a fan of the Cabela's rewards system. I like that you can use the card outside of Cabelas and still receive benefits. It also gives you extra cash back at convenience stores, which is great when traveling.
Photo of Jonathan C.
Mar 9, 2015
Cabela's Credit Card are great. They offer many rewards with it's reward program and has several benefits other credit cards don't have. I use this more than my other cards as a result. Another great thing about Cabela's Credit Card is that the reward points never expire. I absolutely love this card!
Photo of Ramon M.
Feb 23, 2015
The cabela's card has several good benefits. There is no annual fee, which is great, and there is also a good rewards program, which seems to be better than most other store cards. The rates aren't the best, but if you are a regular Cabela's shopper, this would be the perfect card for you to have. I would make sure to never be late, or take any cash advances, because you will pay through the roof for any of those. My regular Visa has slightly more favorable interest rates, but not the rewards, so that's also something to think about.
Photo of Michael S.
Jan 13, 2015
I wasn't always a regular Cabela's shopper until I got my hands on Cabela's Credit Card after a recommendation from a friend. The rates are nothing to write home about, but the rewards and the 20 bucks you receive right off the bat are fantastic. You even receive points for using the card outside of Cabela's. You don't have to worry about the points expiring, and you get them pretty freely for making purchases at many different businesses. It's well worth your while to get this card.
Photo of Daniel L.
Jan 7, 2015
I think the Cabela's Credit Card would be a good deal if you use it regularly at a Cabela's store. The rewards features are pretty nice and the rates seem pretty standard from what I can tell. Looks like a great deal!
Photo of Katie C.
Dec 11, 2014
I really love the fact that the points never expire. I have that problem with other credit cards and am always missing out on the rewards. The 2% back on Cabelas purchases is not as high as some of my other store cards, but it isn't terrible either. the no annual fee is always a plus. The interest rates are also lower than other store cards. I also like the fact that I can earn 2% at Cenex as well.
Photo of Andy S.
Dec 5, 2014

If you have a Cabela's Club VISA - be very very careful.

If you ever have a dispute with any online merchant, you will be responsible regardless of the reasons! If you are frauded; if you do not receive your merchandise; if you are overcharged - TOO BAD - according to Cabela's.

They will make a standard inquiry and possibly the merchant will comply. But if not, Cabela's will not be there to protect you.

They claim "100% Fraud Protection" well yeah as long as you are not frauded!

According to the Fraud Department that I filed a claim with at Cabela's Visa,
if the more
Photo of Alexandria N.
Nov 24, 2014
I think that this card is average. It offers pretty good rewards at Cabela's, but outside there are limited rewards. However, I do like the fact that the points will never expire so they can be used at any time. I really like that there is no redeem limit.
Photo of Kyle M.
Oct 9, 2014
Cabela's Credit Card is good as both a standalone credit card and as a rewards-oriented credit card.

You get a nice initial bonus, a low interest rate (even on the higher end of it's variability), no annual fee, and good point rewards if you're a regular customer. It also has a low foreign transaction fee percentage which can be a lifesaver if you travel often and find yourself in a pinch.

Compare this to say the Walmart Store Card. You get more bonus points than you can through Walmart, no fuel discounts though, and a lower interest rate. It's a bit of a toss-up but I'd recommend this card if you more
Photo of Dennis W.
Oct 2, 2014
Cabela's Signature Black member for 5 years: Any rating of one star is pretty well understood to be an indictment on Cabela's performance as well as the card. The reward for being a Black member is limited to 5% back on in-store purchases and being identified as 'affluent' enough to be targeted with extra safari and excursion propaganda. I was not impressed when I finally figured this out lol. I put over 50k on his turkey every year and for no meaningful reward over and above the base level. Even the special Signature sales events are regularly repeated for the general public two weeks later. Every Cabela's sale excludes their more
Photo of Annmarie E.
Sep 30, 2014
I'm very happy with the Cabela's Visa card for the most part. You can sign up for it right in the store like I did, get approved immediately and receive $20 in rewards point right off the bat which you can use immediately. The rewards points system is awesome and definitely comes in handy for discounts, especially if you are an avid shopper at Cabela's which I am. My only complaint would be the high variable rate but it seems to be the standard for most cards these days. I do enjoy the fact that there is no annual fee. I've had my card for over 10 years now and more
Photo of Gary G.
Sep 12, 2014
With no annual fee and decent rewards on your purchases, this Cabela's Visa Credit Card seems like a good offer. The sign up bonus is also a nice feature that a lot of other store credit cards do not offer. The only negatives are that the APR is variable, depending on your credit, and the late fee is fairly high. If you manage to pay off the card on time every month this won't be an issue and you'll just rack up the Cabela's points!

The only extra benefit that would be nice would be 0% APR on big purchases for a certain term (6 months or so).

If you shop at more
Photo of Allen K.
Jul 29, 2014
The rewards point system of the Cabela Credit Card sounds very appealing. You get benefited from the very first day of having the card.
Photo of Olga B.
Jul 11, 2014
This looks like a good offer. With no annual fee, low foreign transaction fee, and a standard cash advance and balance transfer fees.
The rewards would be attractive for those shopping at cabella's.
The part that seems unattractive is a high APR.
Also, a lot of credit cards now have introductory rate. This one, however, does not.
Photo of Jason T.
Jun 27, 2014
This looks like a standard visa card with rewards options for Cabelas. I shop at Cabelas and so the rewards option is attractive. APR falls within standard rates of what I would expect to pay from a credit card. I like the grace period and the fact that there is no fee for overlimit. I am not fond of the cash advance fee on any card, but I don't typically use this feature so it would not keep me from this card.
Photo of Kristin T.
Jun 4, 2014
With no annual fees and ways to earn CLUB points every time you use your card, Cabela's Credit Card seems like a great choice. However, like others have mentioned the interest rate is quite high. The worth of this card would really depend on whether you're a big shopper at Cabela's, and considering I'm not, it wouldn't be worth it for me. But if you are, the reward system seems great -- with a $20 sign on bonus that can be used toward a purchase the very day you sign up and more opportunities to earn points while you have the card, how can you go wrong?
Photo of Cara N.
May 20, 2014
The Cabela Card offers various opportunities to gain CLUB points, such as a $30 sign-on bonus, $20 in CLUB points that can be used the day you sign up, and additional chances to use your card within 30 days of opening an account to earn $10. CLUB points never expire. On the other side of the spectrum, the APR is extremely high. This would deter me from using this card for any substantial purchases unless in an emergency situation.
Photo of Jennifer T.
May 13, 2014
The interest on this Cebela's credit card is really high! I like the no annual fee and the longer grace period, the bonus club points and extra points back features are nice too. Even the balance transfer fee is higher than most other cards. I think all of mine are 0% balance transfer. Decent card for emergencies though.
Photo of Stan M.
Apr 29, 2014
Things that I liked about this card were that the bonus structure was pretty decent, no annual fees, and a nice $30 in CLUB Points bonus for using the card on 5 purchases outside of Cabela. The main thing I didn’t like about this card was the 25.14% Interest rate which in my opinion seemed a bit too high. All in all Cabela's Credit Card is a decent card to have.
Photo of Nichole O.
Apr 14, 2014
The interest rate and late fee both seem pretty high for the Cabela's credit card. However, the reward points system looks great, especially if you are a regular shopper at Cabela's. You can earn up to $30 in points within the first month just for opening the card and making only 5 purchases outside of Cabela's! This seems like a really good deal. I like the reward system much more than some of the other store credit cards that I have, such as Menard's and Home Depot.
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Last updated on: Sep 11th, 2016 at 5:30 EDT

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