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Cabela’s Club Mastercard review

Earn 2x points and enjoy price matching at Cabela’s brand stores.

    If you frequently hunt, fish or camp, this card could be an excellent addition to your wallet. To make the card worth it though, you must spend up to $25,000 or more every year on gear.

  • Get this card if you spend a lot of money on hunting, fishing and camping purchases.
  • Pick something else if you want a 0% intro APR period or you don’t shop at Cabela’s and Bass Pro Shops.
  • Apply with a good to an excellent credit score of 670 or higher.
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$20

Welcome offer

Up to 2x

Points

$0

Annual fee

16.74%, 19.74% or 25.74%

Purchase APR (variable)

Details

Annual fee$0
Welcome Offer$20 off your first Cabela's purchase upon approval
Rewards2x points at Cabela’s stores, Cenex locations and Bass Pro Shops and 1x points on all other purchases
Purchase APR16.74%, 19.74% or 25.74% variable
Balance transfer APR16.74%, 19.74% or 25.74% variable
Recommended minimum credit score670
IssuerStore card
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Review by


Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Cabela’s Club Mastercard credit card has a $0 annual fee and a rewards program with 2x points at Cabela’s stores, Cenex locations and Bass Pro Shops, and 1x points on all other purchases. If you spend $10,000 annually (Silver cardholder) or $25,000 (Black cardholder), your rewards rate at participating scores may increase to 3x and 5x points respectively. However, you can only redeem your points for purchases at Cabela’s and Bass Pro Shops.

Another perk is the $20 bonus toward Cabela’s gear. You get another $10 once you make at least five purchases within 30 days of card membership. As a cardmember, you get access to member-only offers and events, and the APR for the store’s purchases is 9.99% fixed.

How to apply for the Cabela’s Club Mastercard?

  1. Visit Cabela’s website and click the Cabela’s card banner.
  2. Click Learn more and then Apply now.
  3. Fill out the application form with the required information.
  4. Review the form and submit.

What credit score do I need?

Increase your chance of approval with a good credit score of 670 or higher.

Cabela’s Club Mastercard benefits

  • Earn points. You can earn 2x points on all Cabela’s, Cenex and Bass Pro stores. You’ll earn 1x points on all other purchases. You can redeem these on Cabela’s, Cenex and Bass Pro purchases.
  • Easy to obtain welcome offer. You’ll enjoy $20 off your first Cabela’s purchase when using this card. You can earn another $20 off after you make 5 purchases within your first 30 days of card membership.
  • Price matching. Cabela’s will match competitor prices or even reduce their price by 5% on eligible purchases for card members.
  • No annual fee. You won’t pay an annual fee to use this card.
  • Cabela’s Club Mastercard drawbacks

  • Poor welcome offer value compared to other reward cards. While its easy to obtain, this card’s welcome offer pales in comparison to the value offered by most reward cards.
  • Potentially high APR on non-Cabela’s purchases. The highest APR you can end up with using this card is 25.74%, which is much higher than the 16% average.
  • Participating locations for accelerated points

    You earn 2x points on purchases made at the following locations:

    • Cabela’s retail locations and restaurants
    • www.cabelas.com
    • www.cabelas.ca
    • Bass Pro Shops
    • Bass Pro Fitness Festival
    • Bass Pro Shops resorts: Big Cedar Lodge, Big Cypress Lodge and Dogwood Canyon
    • www.basspro.com
    • Tracker Marine Boat Centers
    • Metro Rod and Reel Repair
    • Wildlife Creations Taxidermy
    • Angler’s Inn
    • Wonders of Wildlife Museum and Aquarium
    • Worldwide Trophy Adventures
    • Cenex

    Compare store credit cards

    If this credit card isn’t right for you, there are plenty of other store credit cards to choose from. Consider which stores you shop at the most and the benefits you are looking for in a credit card, such as a 0% APR intro period. Compare your options to find the store credit card that’s best for you.

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    within 30 days.
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    Principal Platinum Card
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    Bottom line

    The Cabela’s Club Mastercard credit card can be a solid option only if you spend up to $25,000 or more at participating stores. Otherwise, additional rewards credit cards offer the same rewards rate.

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