If you spend regularly on fishing rods, camping gear, or ammo, the Cabela's CLUB Mastercard turns those outdoor purchases into points you can redeem for more gear. This review covers exactly how it works, the rates and fees from Capital One's own cardholder agreement, the live welcome offer, and who should think twice before applying.
What Is the Cabela's CLUB Credit Card?
The Cabela's CLUB Mastercard is a co-branded card issued by Capital One, N.A. Because it runs on the Mastercard network, you can use it anywhere Mastercard is accepted, not just at Cabela's.
It is tied to the CLUB loyalty program, which is shared across Cabela's and Bass Pro Shops. Points you earn can be redeemed at either retailer at a rate of 100 points to $1, with no minimum to redeem. As of June 2026, the card has no annual fee. CLUB Points do not expire on open accounts, and there is no limit to how many you can earn. Capital One reports the account to all three major bureaus.
Key Facts at a Glance
| Issuer | Capital One, N.A. |
| Network | Mastercard (open-loop, usable anywhere) |
| Annual fee | $0 |
| Purchase APR | 9.99% on Cabela's/Bass Pro; 16.99%, 19.99%, or 25.99% variable elsewhere |
| Cash advance APR | 26.99% variable |
| Rewards | CLUB Points: 2% (Classic), 3% (Silver, $10k spend), 5% (Black, $25k spend) at Cabela's/Bass Pro; 1% elsewhere. 100 pts = $1 |
| Welcome bonus | Up to $60 in CLUB Points ($20 approval + $20 + $20 via qualifying purchases in 30 days) |
| Credit limit | Set at approval; $300 minimum credit line |
| Credit score | Typically 700+ (reported average around 705) |
| Reports to | Experian, TransUnion, Equifax |
| Key fees | Late up to $38, cash advance $10 or 4%, no foreign transaction fee |
All figures as of June 2026, per the Capital One application disclosure.
How CLUB Points Work
Rewards are tiered by how much you spend at Bass Pro and Cabela's each year. As of June 2026:
- Classic: 2% back in CLUB Points at Cabela's and Bass Pro Shops
- Silver: 3% back, reached at $10,000 in annual spend
- Black: 5% back, reached at $25,000 in annual spend
On everything else, every cardholder earns 1% in CLUB Points regardless of tier. Points redeem at 100 to $1 at either retailer, with no cap on earning and no expiration on open accounts. The current welcome offer is worth up to $60 in CLUB Points: $20 just for being approved, $20 more after two qualifying purchases at Cabela's, Bass Pro, or Mack's Prairie Wings within 30 days, and $20 after five purchases anywhere Mastercard is accepted within 30 days.
Because 100 points equal $1, the Classic 2% rate is a real 2 cents per dollar back when redeemed at the stores. That is solid for a no-annual-fee retail card, but only if those stores are where you actually shop.
APR and Fees: the Fine Print
The rate structure has two sides, and the difference is large. From the Capital One cardholder agreement (as of June 2026):
- Cabela's and Bass Pro Shops purchases: 9.99% APR
- All other purchases: 16.99%, 19.99%, or 25.99% variable, set as Prime plus a margin of 11.99%, 14.99%, or 20.99% based on your credit
- Cash advances: 26.99% variable, with a fee of $10 or 4% of the advance, whichever is greater
- Annual fee: none
- Late payment fee: up to $38
- Foreign transaction fee: none; Capital One does not add one
- Penalty APR: none disclosed in the Schumer Box
You get at least 25 days after each billing cycle closes before interest applies, and no interest on new purchases if you paid the prior balance in full. The 9.99% in-store rate is unusually low for a store-linked card, but the everyday-purchase APR can climb to nearly 26%, so carrying a balance on non-store spending can quietly outweigh the points you earn.
Who Should Get It, and Who Should Skip It
This card fits people who spend meaningfully at Cabela's or Bass Pro and pay in full each month. If you hit the Silver or Black tiers, 3% to 5% back at those stores is genuinely strong, and the network means you can still use it everywhere.
Skip it if most of your spending happens elsewhere. The 1% everyday rate trails plenty of flat-rate cash-back cards, and the reward tiers take $10,000 or $25,000 of annual store spend to unlock, which most casual shoppers never reach.
What credit do you need?
There is no published minimum, but reported approvals cluster around 700+, with an average near 705, so good-to-excellent credit improves your odds. Capital One sets your credit line at approval based on your income, debt, and history; the disclosed minimum credit line is $300. Applying triggers a hard inquiry that can dip your score by a few points. If you have little or no credit history, approval may be tougher, and a starter card built for a first-timer with no credit history can be a better first step.
If You Are Building Credit Instead
If your real goal is building credit you can use anywhere rather than earning gear points, an unsecured starter card with no deposit may take you further. If approval is your main concern, the Aspire Cash Back Rewards Mastercard is an unsecured card with no security deposit, prequalification up to a $1,000 limit, up to 3% cash back, and reports to all three bureaus.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
If you would rather build credit through your paycheck instead of a deposit, Perpay is powered by your paycheck — no security deposit, shop and pay over time while it reports to all three bureaus, members see an average 32-point increase. Tracking your progress with a free tool like Creditship.ai can help you see your score move.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
If you want a card you can swipe anywhere while you build, the Arro Card is an unsecured starter card with no deposit and no hard credit check; start with a limit up to $300 that grows toward $2,500 via in-app tasks, reports to all three bureaus.
Arro Card
Arro Card
No deposit. No hard credit check. Start with up to $300 and grow your credit line to $2,500 by completing in-app tasks. Earn 1% cash back on gas and groceries — including Walmart and Target.
Standout feature
Unsecured — no deposit required
Fees
up to $60/ year
Pros
1% cash back on gas & groceries
Cons
Starting credit limit: $50–$300
The Bottom Line
The Cabela's CLUB Mastercard rewards frequent outdoor shoppers with no annual fee, points that do not expire, and a low 9.99% rate on in-store buys. The catch is the higher everyday APR (up to 25.99%) and tier thresholds that only big spenders reach. Because that everyday rate is steep, charge only what you can pay back in full so interest never outruns the points. If you live at Cabela's or Bass Pro and pay in full, it earns its place. If building flexible credit is the priority, a starter card paired with credit monitoring may serve you better.
Frequently Asked Questions
Can I use the Cabela's CLUB credit card anywhere?
Yes. The Cabela's CLUB Mastercard runs on the Mastercard network, so you can use it anywhere Mastercard is accepted. You earn the highest CLUB Points at Cabela's and Bass Pro Shops (2% to 5% by tier) and 1% everywhere else.
What APR does the Cabela's credit card charge?
Per Capital One's agreement (June 2026), purchases at Cabela's and Bass Pro Shops get a 9.99% APR, while all other purchases carry a variable 16.99%, 19.99%, or 25.99% based on your credit. Cash advances are 26.99% variable. There is no annual fee and no foreign transaction fee.
Do Cabela's CLUB Points expire?
No. As of June 2026, CLUB Points do not expire on open accounts and there is no earning cap. They redeem at 100 points to $1 at Cabela's and Bass Pro Shops with no minimum. Terms and conditions apply.
What credit score do I need for the Cabela's credit card?
There is no published minimum, but reported approvals cluster around 700+ (average near 705), so good-to-excellent credit improves your odds. Capital One sets your line at approval (with a $300 minimum credit line) and reports to all three bureaus. If your file is thin, a starter card like the Aspire Mastercard or the Arro Card may be an easier place to begin.
