Gander Mountain Credit Card Review

Updated on Apr 01, 2016

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Gander Mountain, an outdoor retail store, was established in 1960 to cater to the avid outdoorsman. Their slogan is “we live outdoors.” If you take a look at their inventory, the slogan surely matches.  Gander Mountain carries outdoor apparel, footwear, camping gear, archery and hunting gear, and firearms. They are a multichannel retailer providing products in-store, online, and in catalogs. In addition to their retail business, Gander Mountain has joined forces with several conservation partners to preserve the outdoor experience for future generations. When taking a look at how one could save while shopping at this store, we found two different credit card options they offer. Here we are going to do a review of the card that can be used for out-of-store purchases as well.

Features of the Gander Mountain MasterCard:

  • Earn 3 points per $1 on Gander Mountain & Overton purchasesGander mountain
  • Earn 2 points per $1 on gas and groceries
  • Earn 1 point per $1 on all other purchases
  • No annual fee
  • Rewards Certificate options
  • Earn 2 Bonus points per $1 on Gander Mountain and Overton’s purchases each year you spend $10,000

The Good

The Gander Mountain MasterCard may be one of the best rewards credit cards I’ve ever come across that’s associated with a store. They have a somewhat stacked rewards certificate program where you get a $40 Rewards Certificate when you spend $500 on the new card with at least one purchase made outside the store;  earn an additional $20 Rewards Certificate when you spend $500 in gas within the first two months; and you can earn another $20 Rewards Certificate after reaching 2,000 points.

Along with their stacked rewards certificates, they also have a great point’s earnings system. For all purchases made on Gander Mountain and Overton purchases, both online and offline, card holders earn 3 points per dollar spent. Purchases made towards gas and groceries will earn you 2 points per dollar and everything else will earn you an even 1 point per dollar spent. To top it all off, you can earn 2 additional bonus points for every dollar spent if you exceed $10,000 on Gander Mountain and Overton’s purchases per year. Talk about incentives!

The Not-so-Good

The APR is OK, at a variable of 16.99%, 20.99%, or 24.99%, depending on your creditworthiness. They do have an option for 0% interest, either through the “Waive Interest Promotional Credit Plan” or the “Defer Interest Promotional Credit Plan.” The terms and conditions for both card options are combined together, making it quite difficult to completely understand things like interest, fees, and charges; makes me wonder if it’s actually in-line with the CARD Act. From what I gather, is during the application process, you may be offered promotional credit plans, or not, depending on where you’re located and if you’re applying online or in-store. Things like deferred interest and finance charges can be applied to these plans. Here’s a quick snapshot of what I found covering that information.

Gander mountain terms

The Bottom Line

You’ve really got to be a Gander Mountain and Overton’s fan to get the full potential of these rewards and certificates. If not, the only bonuses that will apply to you would be the 2 points per dollar on gas and groceries and 1 point per dollar spent on everything else, which is actually pretty standard for today’s non-store related credit cards. I guess you can possibly be offered a 0% introductory APR plan, but that’s likely to come with a catch you don’t want to be a part of. If you decided to apply for this card, I would stick with the regular rates –no promo offers- and be sure to pay your bill in full each month.

Here are some similar credit cards for all credit types offering similar rewards:

Blue Cash Preferred® Card from American Express- With this card, you earn 6% cash back on purchases at US supermarkets –up to $6,000/year- 3% cash back at US gas stations and at select US department stores. Additionally, you'll earn 1% cash back on all other purchases. An added bonus is the 0% intro APR offer for 15 months. You need excellent credit to get approved. Terms and conditions apply*

Barclaycard Rewards MasterCard®- Like the Gander Mountain MasterCard, card holders earn 2X cash back rewards on purchases for gas, groceries and utilities and 1X cash back rewards on all other purchases. You need average-good credit to get approved.

Credit One Bank® - Earn More Credit Fast- For those with not-so-great  credit, this card earns you 1% cash back on all gas purchases with no limit to the number of rewards you can earn.

*Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

*The content in this article is accurate at the publishing date, and may be subject to changes per the card issuer.

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