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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 has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Dec 05, 2018. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Cabela’s, a specialty retailer of outdoor recreation merchandise, has gone through two big changes recently. To start, it merged with Bass Pro Shops in September 2017. As part of that, it switched card issuers from Visa to Mastercard and tapped Capital One to manage its three branded credit cards. Capital One will send out new cards to existing customers by December 2018, although current cards can still be used.

This store is one of the most popular and well-known outdoor brands in the nation, serving outdoors enthusiasts with a full inventory of quality products — from guns and ammunition to camping equipment — at competitive prices. It offers you three card options from which to choose, depending on how many rewards you want to earn and how much you spend at the store per year.

Below we’ll outline the pros and cons of the three cards. And for those who don’t want to be tied to one retailer, we’ll review the Citi® Double Cash Card – 18 month BT offer as an alternative.

Choosing the right Cabela’s card for you

Cabela’s is famous for being a bargain shopper’s paradise for outdoor gear. It offers things such as the Bargain Cave, where items are on sale for up to 70% off; coupons; promo codes; special offers; rebates; Cabela’s bucks; guns of the week deals; and weekly specials.

When you use one of the three credit cards — Cabela’s Club Visa Classic Card, Cabela’s Club Visa Silver Card and Cabela’s Club Visa Black Card — to take advantage of these deals, you can make the most of the points you earn when it comes time to redeem them. But it’s important to read the fine print because the points you earn on these cards depends on how much you spend on them per year. Those spending amounts may not be worth the extra points you earn.

 

Cabela’s Club Visa Classic Card Cabela’s Club Visa Silver Card Cabela’s Club Visa Black Card
Annual Fee $0 $0 $0
Regular Purchase APR 9.99% fixed APR for Cabela's and Bass Pro Shops purchases and 17.09% - 26.09% variable APR on all other purchases 9.99% fixed APR for Cabela's and Bass Pro Shops purchases and 17.09% - 26.09% variable APR on all other purchases 9.99% fixed APR for Cabela's and Bass Pro Shops purchases and 17.09% - 26.09% variable APR on all other purchases
Rewards 2% points back on all Cabela's purchases and at participating Cenex® convenience store locations and 1% points back on all other purchases 3% points back on all Cabela's purchases and at participating Cenex® convenience store locations and 1% points back on all other purchases ($10,000 annual spend requirement) 5% points back on all Cabela's purchases and at participating Cenex® convenience store locations and 1% points back on all other purchases ($25,000 annual spend requirement)
Sign-up Bonus Earn $25 in club points upon approval. Plus, make 5 purchases with your new card within 30 days of account approval anywhere Visa credit cards are accepted and earn an additional $10 in points. Earn $25 in club points upon approval. Plus, make 5 purchases with your new card within 30 days of account approval anywhere Visa credit cards are accepted and earn an additional $10 in points. Earn $25 in club points upon approval. Plus, make 5 purchases with your new card within 30 days of account approval anywhere Visa credit cards are accepted and earn an additional $10 in points.
Foreign Transaction Fee None None None
Other Details
  • Points never expire
  • No cap on the points you earn
  • Earn points at Cabela’s, Bass Pro Shops and Cenex®
  • Price protection
  • Extended warranty coverage

The Cabela’s Club Visa Classic Card: Best for those who want to get the Cabela’s perks without having to spend a set amount of money each year to get them. But that means you’ll only earn 2% points back on all Cabela's purchases and at participating Cenex® convenience store locations and 1% points back on all other purchases when using this card.

The Cabela’s Club Visa Silver Card: If you want to boost the rewards you can earn, then the Cabela’s Club Visa Silver Card is the next step up. Earn 3% points back on all Cabela's purchases and at participating Cenex® convenience store locations and 1% points back on all other purchases ($10,000 annual spend requirement). As nice as the hike of points per $1 spent is, some might be put off by the annual spending required with this card.

The Cabela’s Club Visa Black Card: Last but not least, there’s the Cabela’s Club Visa Black Card, which has the same sign-up bonus as the other two cards. Cardmembers earn 5% points back on all Cabela's purchases and at participating Cenex® convenience store locations and 1% points back on all other purchases ($25,000 annual spend requirement). You’d need to be a big outdoor enthusiast to hit the spending requirement needed to earn the best reward on this card.

The downside to Cabela’s cards

The low APR on these cards translates into a pretty good deal when you shop exclusively at Cabela’s, Bass Pro Shops and the Cenex® chain of stores. But when you’re shopping outside these places, you’re facing potentially steep rates. When an APR is above 15% — which is common on many of today’s credit cards — it should encourage you to never carry a balance on your plastic because that kind of interest can become very expensive very quickly.

Another downside with these cards is that you can only spend the rewards you earn at Cabela’s or Bass Pro Shops. If you spend at these stores regularly and like using your rewards to fund your outdoor activities, then these are the cards for you. But if you want to earn higher rewards for broader categories, you may want a credit card that gives you more flexibility.

Check out our picks for the best cashback credit cards.

Compare it with the Citi® Double Cash Card – 18 month BT offer

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.

  • 0% for 18 months on Balance Transfers

  • 15.49% - 25.49% (Variable)

Highlights
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Double Cash Card – 18 month BT offer

More Info

If you don’t want to worry about rewards based on spending categories, instead preferring a flat-rate cashback card, this $0 annual fee card is a good alternative to what Cabela’s is offering. The reward is simple: Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. But this card does not have a sign-up bonus.

Instead, this card pays when you spend and when you make your monthly payments. There are no quarterly or yearly maximums on the total amount of cash back you can earn when spending or making payments with the Citi® Double Cash Card – 18 month BT offer as long as you make your minimum payments. The cash you earn can be redeemed for checks, statement credits or gift cards.

While the Citi® Double Cash Card – 18 month BT offer doesn’t have a purchase intro rate, it does have an intro 0% for 18 months on Balance Transfers. The card’s regular purchase rate is 15.49% - 25.49% (Variable) APR, which is close to what’s offered by the Cabela’s cards for spending outside its stores.

There are no perks with the Cabela’s cards. But the Citi® Double Cash Card – 18 month BT offer comes with perks such as Citi® Concierge® and Citi® Private Pass®, which gives you special access to pre-sale tickets and VIP packages to concerts, sporting events, dining experiences, plus free movie screenings and more.

Check out our review of the Citi® Double Cash Card – 18 month BT offer.

The bottom line

The Citi® Double Cash Card – 18 month BT offer gets thumbs up for allowing you to earn simple cash back at a higher rate than what’s offered by the Cabela’s cards for purchases outside of Cabela’s and Cenex stores. The gift card redemption option in the Citi ThankYou® rewards portal is good at more than 70 retailers, including Cabela’s.


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