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Cabela's Credit Card

cabelas credit card
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4 326 reviews   Write a Review
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Cabela's Credit Card’s Rewards

Bonus
up to $30 in CLUB Points
Base Earn
1% in Points Back
Max Earn
2% in Points Back
Earn / Redeem Limit
No
  • Receive $20 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

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
9.99% - 21.17% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER
    FEE
    4%

Cabela's Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    25.17% (V)
  • CASH ADVANCE
    FEE
    4% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    1%
  • SMART CHIP   No
  • FREE Online Services.
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Cabela's Credit Card Reviews

 
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3.8
Overall Rating: 3.8 / 5
Total Ratings: 326
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May 14, 2015
Photo of Shaun F.
4
By:
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
Apr 27, 2015
Photo of Frank W.
5
By:
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
Apr 8, 2015
Photo of Bill K.
5
By:
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
Mar 25, 2015
Photo of Clay K.
4
By:
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.
Mar 9, 2015
Photo of Jonathan C.
5
By:
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!
Feb 23, 2015
Photo of Ramon M.
4
By:
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.
Jan 13, 2015
Photo of Michael S.
3
By:
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.
Jan 7, 2015
Photo of Daniel L.
4
By:
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!
Dec 11, 2014
Photo of Katie C.
4
By:
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.
Dec 5, 2014
Photo of Andy S.
1
By:
Dec 5, 2014
!!!!! BEWARE - CABELA’S AND CABELA'S CLUB VISA - BEWARE !!!!!

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
Nov 24, 2014
Photo of Alexandria N.
4
By:
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.
Oct 9, 2014
Photo of Kyle M.
5
By:
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
Oct 2, 2014
Photo of Dennis W.
1
By:
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
Sep 30, 2014
Photo of Annmarie E.
4
By:
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
Sep 12, 2014
Photo of Gary G.
4
By:
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
Jul 29, 2014
Photo of Allen K.
5
By:
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.
Jul 11, 2014
Photo of Olga B.
4
By:
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.
Jun 27, 2014
Photo of Jason T.
3
By:
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.
Jun 4, 2014
Photo of Kristin T.
3
By:
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?
May 20, 2014
Photo of Cara N.
3
By:
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.
May 13, 2014
Photo of Jennifer T.
3
By:
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.
Apr 29, 2014
Photo of Stan M.
4
By:
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.
Apr 14, 2014
Photo of Nichole O.
4
By:
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.
Feb 12, 2014
Photo of Amy E.
4
By:
Feb 12, 2014
The late fee is a bit high, but it seems that as long as you have a good credit score, you can get one of these cards with next to no problem. I like the rewards points system, and how when you sign up you can get up to $30 in rewards points to use right then on a purchase. Non-expiring points are great as well! Regular shoppers at Cabela's would really benefit from this card!
Jan 16, 2014
Photo of Rachel B.
4
By:
Jan 16, 2014
What I like about the Cabela's credit card is the up to $35 sign on bonus. It's a great incentive compared to what other stores offer, which is usually only about 15% off your purchase for signing up. The fact that you need excellent credit could be a problem for the average person, so a negative would be that it's hard to qualify for.
Jan 3, 2014
Photo of Elias J.
4
By:
Jan 3, 2014
What I do not like about the Cabela's Store card is the fact that they require excellent credit to approve you for an account. This is very similar to the REI store credit card too. Even if you have a good job, with good credit you will not get the chance to experience the benefits of this card because they will not approve you without excellent credit. If you do get approved, you do get club points with every purchase which is a great deal to take advantage of.
Dec 16, 2013
Photo of Jason B.
4
By:
Dec 16, 2013
If you have good to excellent credit and like to shop at Cabela’s, this is the card for you. Not only do you get an excellent interest rate (compared to other department store cards), you earn 2% in club points for all of your Cabela’s purchases. Other perks include no annual fee (another plus compared to most department store cards), and no maxout of points! Great pick!
Dec 12, 2013
Photo of Mike W.
5
By:
Dec 12, 2013
If you are in great credit standing and love to shop at Cabela's whether it be by shopping on line or in store, this is the perfect card for you. Rather than being a strictly store card like many other cards out there, this one acts as a Visa. This means that it can be used anywhere. Cabela's has an excellent reward structure, and no annual fee either!
Dec 12, 2013
Photo of David M.
4
By:
Dec 12, 2013
If you have excellent credit and often shop at Cabela's (whether online, in store, or by phone) then the Cabela's Credit Card seems ideal for you. The main benefit is that this card is in fact a Visa card, not just a store card, so it can be used anywhere Visa is accepted. There is no annual fee, and the reward structure seems fairly beneficial. Interest rates are not particularly low, but they are not particularly high either. This would be a great card to use whenever you need to shop for anything sold at Cabela's, then pay off the balance at the end of the month and reap the more
Dec 9, 2013
Photo of Luke N.
1
By:
Dec 9, 2013
I have a Best Buy card that I really like. Best Buy often offers 0% financing for 12 months (sometimes 6 months or 18 months) on purchases. Knowing how nice it is to have that option makes it hard to like the Cabela's VISA Credit Card. While the interest rate is fair, it's not special and neither is the rewards program. To me, this card would be a better offer if Cabela's offered a more regular special (0%) financing for cardholders.
Dec 3, 2013
Photo of Chelsea M.
4
By:
Dec 3, 2013
I have never been one to hold a club card but the Cabela's Credit Card would seem like a great place to start. I love that there is no limit on rewards,You can get up to a $35 initial bonus. Also no annual fee and free online services! The apr is not too bad if you fall in on the low end of it at 9.9%
Nov 28, 2013
Photo of Angela M.
3
By:
Nov 28, 2013
I have to agree with the other reviewers who have said that the interest rates offerred by the Cabela's Credit Card are suprisingly reasonable for a store card. I'm also suprised to see a store card that allows credit transfers. I can see how the rewards program is enticing for frequent customers of Cabela's (both the brick-and-mortar and online stores), especially considering that there is no limit on the amount of points you can earn, but the program is of little use for anyone else.
Nov 24, 2013
Photo of Jay F.
4
By:
Nov 24, 2013
This card offers a great interest rate for a store card (for those who qualify) at it's lowest limits (10%). That alone makes it a very attractive card for those who have very good credit and can attain that rate. There are no annual fees with this card which also adds to it's appeal. My family has a number of outdoors types in it and I would not hesitate to recommend this card to them. Owners can accumulate points using this card both in store and out of it so this helps when trying to build them up. When you join you get an additional $25 off of your initial more
Nov 15, 2013
Photo of Nicole A.
4
By:
Nov 15, 2013
I love using my Cabela Credit Card to buy gifts for my bf at Cabela's. Cabela's has any and every outdoor activity tools needed, and their fudge is to die for! When using this card, there is no annual fee, no signup fee, and no maintenance required! You gain 2 points for every $1 you spend in store, which gets you discounts on gear at Cabelas when you accumulate enough. You also gain points if using it anywhere else, so if you love to buy sporting goods, this card has great perks! This card also has one the lowest rates I've seen in credit cards, starting at only 10%. Make more
Nov 6, 2013
Photo of Sarah M.
3
By:
Nov 6, 2013
Cabela's Credit Card seems like an okay card for people who shop a lot at Cabela's. The rate has a very high gap between the two interest rates. This card might be a really good deal if your interest rate is at 9.9% but if your rate is as high as 21.17% this is not a good decision. The reward points are an incentive if you shop at Cabela's, and the lack of an annual fee works in this card's favor. This card is not for someone who does not shop at Cabela's frequently. In the end I would say that Cabela's Credit Card is an alright value.
Nov 2, 2013
Photo of Elias C.
4
By:
Nov 2, 2013
For a store based card, the Cabela's credit card is actually pretty competitive. Most store cards tend to have exorbitantly high interest rates, sometimes in the 26.9% range and this card has a variable interest rate as low as 9.9%!!! While the rewards are not fantastic, in fact if you do not shop at Cabela's the points scheme is useless, the availability of such a low rate is definitely worth consideration and an application. If you are an avid hunter, fisherman or an outdoorsman in general, the discounts that you can earn at Cabela's will make this card worthwhile!
Nov 2, 2013
Photo of Voffers S.
3
By:
Nov 2, 2013
Cabela's credit card is a good choice for people who shop a lot at Cabela. There is a signup bonus of $25 (or $35 if you use it frequently at places other than Cabela). Also, there is 2% cash back on purchases at Cabela and 1% cash back everywhere else. There are other credit card with higher cash back on everywhere purchases. Capital One Quicksilver has a 1.5% cash back everywhere. I would recommend this card only for people who shop a lot at Cabela.
Oct 30, 2013
Photo of Carla M.
3
By:
Oct 30, 2013
Although you have to excellent credit to have this card, you have to love the low interest fees and non-existent annual membership fee! I love that I can use this card at Cabela's to rack up points, and use it at other retail stores also, it's like I get more bang for the buck! And if I don't want to leave the house, I can use all my bonus points online!
Oct 25, 2013
Photo of Alexis B.
4
By:
Oct 25, 2013
Oh, how I love Cabela's. A condition right off the bat for the Cabela's store credit card is a good-excellent credit score. In the tough times we're experiencing, this may be a drawback to those whose credit score may have taken a blow. One point for every $1 spent at stores other than Cabela's, and two points for every $1 spent at Cabela's makes it very easy to rack up points on both ends! Compared to other store credit cards (like my Saks Fifth card), this card gives more incentive to shop and spend. You'll be spending the cash anyway! This card is totally worth it.
Oct 17, 2013
Photo of Jared B.
4
By:
Oct 17, 2013
I like the idea of Cabela’s credit card, even though you need excellent credit to obtain it. There is also no annual fee, which makes it even more attractive. You receive a good initial bonus of $35, and also a base and max bonus which I like a lot for long term use. Having a free online service sells me further. There is no max overlimit fee, which makes me feel comfortable using it. The best part about this card is that it was designed specifically for people who shop at Cabela’s, because that is where a shopper sees the most bonus points and savings. Overall, the card is very more
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Mar 21, 2015
Photo of Rose A.
By:
Mar 21, 2015
I want to cancel my cabela's club visa card. How do I do this?
Mar 24, 2015
Photo of Card H.
Mar 24, 2015
You have to call Customer Service at this number: 1-800-850-8402. Just make sure your account balance is zero.
Jan 8, 2013
Photo of Benny D.
By:
Jan 8, 2013
when will I get my new card?
Jan 16, 2013
Photo of Card H.
Jan 16, 2013
Hi Benny, 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.
Oct 14, 2011
Photo of Rhonda P.
By:
Oct 14, 2011
Why is there a foreign transaction fee added to my Cabelas credit card for my charges in Canada? What is the fee for? My other Visa card does not have such charges.
Oct 14, 2011
Photo of Card H.
Oct 14, 2011
Hi Rhonda - According to Card Hub data, around 90% of all credit cards have a foreign transaction fee and the Cabelas Credit Card is no exception with a 1% foreign fee, which is on the low side since most credit cards have a 3% fee.

Nevertheless, the best approach is to use a No Foreign Transaction Fee Credit Card when traveling abroad so that you can avoid all of these fees. Here is a list of such cards >> http://www.cardhub.com/credit-cards/foreign-transaction-fee/

Hope this helps and thanks for using CardHub.com
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Last updated on: May 14th, 2015 at 6:48 EDT