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Cabela’s Club Visa Card Review

Cabela’s Club Visa Card Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated May 06, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you regularly purchase camping equipment, hunting gear, apparel and other outdoor recreation merchandise from one of Cabela’s 85 stores located in the U.S. and Canada, you may want to take a look at the Cabela’s CLUB card.

Issued by Capital One, the Cabela’s CLUB card offers the following rewards rate: Earn 2% back in CLUB Points on purchases at Bass Pro Shops and Cabela’s and 1% back in CLUB Points on purchases anywhere else Mastercard® credit cards are accepted. Redeem CLUB Points for FREE GEAR at Bass Pro Shops and Cabela’s.

Cabela’s CLUB Points can also be redeemed at Bass Pro Shops and Cabela’s restaurants and resorts, including Big Cedar Lodge, Wonders of Wildlife, Bass Pro Shops golf courses and more.

We break down the pros and cons of the Cabela’s CLUB card, and show how it compares to the Discover it® Cash Back card, which offers cash back on every purchase, as well as an introductory APR on purchases for more than a year.

Cabela’s CLUB card pros

Sign-up bonus. Cardholders receive $20 in CLUB Points upon card approval. Earn an additional $10 in CLUB Points after five purchases within 30 days of account approval*.

Note, it may take up to 60 days after your fifth purchase for the $10 in points to be available for use.

Rewards rate. Earn 2% back in CLUB Points on purchases at Bass Pro Shops and Cabela’s and 1% back in CLUB Points on purchases anywhere else Mastercard® credit cards are accepted. Redeem CLUB Points for FREE GEAR at Bass Pro Shops and Cabela’s.

The higher rewards rate applies to qualifying purchases made at Bass Pro Shops and Cabela’s retail locations and restaurants; through Bass Pro Shops and Cabela’s catalogs; online at www.basspro.com, www.cabelas.com, and www.cabelas.ca; Bass Pro Shops resorts, including Big Cedar Lodge, Big Cypress Lodge and Dogwood Canyon; Tracker Marine Boat Centers; Metro Rod and Reel Repair; Wildlife Creations Taxidermy; Angler’s Inn; Bass Pro Fitness Festival; Wonders of Wildlife Museum and Aquarium; and Worldwide Trophy Adventures.

Lower APR on Cabela’s and Bass Pro Shops purchases. The Cabela’s CLUB card offers a unique feature that gives cardholders a lower ongoing APR on purchases made at Cabela’s and Bass Pro Shops. The card comes with a 9.99% APR on Cabela’s and Bass Pro Shops purchases; 15.24% - 24.24% variable APR on all other purchases if your balance is not paid in full each month.

Higher rewards rate with CLUB Silver or Black status. If you spend $10,000 on your card per year, you can be elevated to Silver CLUB status, which offers 3% points back on Bass Pro Shops and Cabela’s purchases and 1% back on all other purchases. If you spend $25,000 on your card in a year, you can earn CLUB Black status, which offers 5% points back on Bass Pro Shops and Cabela’s purchases and 1% back on all other purchases.

In addition to earning a higher rewards rate, Silver and Black status members receive access to exclusive hunting and fishing events around the world.

Note, the classic version of the Cabela’s CLUB does not come with an annual spend requirement.

Additional Cabela’s CLUB card benefits:

  • $0 annual fee
  • CLUB points don’t expire and there’s no redemption minimum for accounts in good standing
  • No cap on the points you earn
  • Access to member-only CLUB events and offers

Cabela’s CLUB card cons

Limited redemption options. Unlike traditional credit cards, which often allow you to redeem rewards for statement credits, gift cards, charitable donations, travel and more, the Cabela’s CLUB card only lets cardholders use their rewards at Cabela’s and Bass Pro Shops stores, restaurants, resorts and golf courses.

No introductory APR on purchases. If you need to finance a big-ticket item, such as an ATV or firearm, and pay it off over time, you may be better off with a card that doesn’t charge interest for an extended period of time, such as the Discover it® Cash Back (see below).

Because the Cabela’s CLUB card doesn’t offer an introductory APR on purchases, if you don’t pay your balance in full each month, you will be subject to interest charges at a rate of 9.99% APR on Cabela’s and Bass Pro Shops purchases; 15.24% - 24.24% variable APR on all other purchases.

Compare it with the Discover it® Cash Back

  • 0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable.

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. *

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*

Highlights
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • See Rates & Fees

See additional details for Discover it® Cash Back

More Info

If you want the ability to finance your outdoor recreational equipment purchases — interest-free — and pay them off over several months, you may want to look at the Discover it® Cash Back card. The card offers an introductory APR on purchases of 0% for 14 months. Once the promotional period ends, an APR of 11.99% - 22.99% variable will apply to any unpaid portion of your balance.

Cabela’s CLUB card vs. Discover it® Cash Back

 Cabela’s CLUB cardDiscover it® Cash Back
Annual fee$0$0
Sign-up bonusEarn an additional $10 in CLUB Points after five purchases within 30 days of account approval*For new cardmembers, Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Rewards rateEarn 2% back in CLUB Points on purchases at Bass Pro Shops and Cabela’s and 1% back in CLUB Points on purchases anywhere else Mastercard® credit cards are accepted. Redeem CLUB Points for FREE GEAR at Bass Pro Shops and Cabela’s.Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Introductory APR on purchasesN/A0% for 14 months
Regular purchase APR9.99% APR on Cabela’s and Bass Pro Shops purchases; 15.24% - 24.24% variable APR on all other purchases11.99% - 22.99% variable

The Discover it® Cash Back card also offers the opportunity to earn a higher cashback rate in popular spending categories. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

During the fourth quarter of 2020, Discover’s cashback categories include Amazon.com, Walmart.com and Target.com. If you max out the spend threshold by purchasing $1,500 worth of camping gear and outdoor equipment from those merchants, you can earn $75 cash back at the end of that quarter. Once you factor in the cashback match sign-up bonus, that amount jumps to $150.

Read: 2020 Discover Cashback Calendar

Cash back can be redeemed as direct deposits, statement credits, gift cards, instant e-certificates or charitable donations. You can also use cash back to pay for merchandise at Amazon.com and Paypal.

Read our Discover it® Cash Back review.

Which credit card is best for me?

The Cabela’s CLUB card may be useful if you frequently shop at Cabela’s stores or Bass Pro Shops. In addition to special benefits, such as access to member-only CLUB events and offers and low APR for in-store purchases, the card offers rewards that can be used toward free merchandise, stays at partner resorts and more.

But if you want to finance a big-ticket item without paying interest for more than a year, as well as the opportunity to earn a higher rewards rate in popular spending categories, the Discover it® Cash Back card may be a better fit.


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