Spend a lot on fishing rods, camping gear, or ammo? The Cabela's CLUB credit card turns those outdoor purchases into points you can redeem for more gear. For dedicated outdoor fans, that can add up fast.
But a co-branded card is a financial product, not just a loyalty perk. This guide explains how the Cabela's CLUB Mastercard works, who tends to get approved, and a few credit-building cards worth a look if that is your goal.
What Is the Cabela's CLUB Credit Card?
The Cabela's CLUB Mastercard is a co-branded card issued by Capital One. 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 for gear and outdoor experiences at either retailer.
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.
How CLUB Points Work
The rewards are tiered, and your rate improves as you spend more each year. As of June 2026, Classic cardholders earn 2% back in CLUB Points at Bass Pro Shops and Cabela's, Silver members earn 3%, and Black members earn 5% on those same purchases.
On everything else, all CLUB cardholders earn 1% in CLUB Points regardless of tier. New cardholders can also earn welcome bonuses after making qualifying purchases within the first 30 days.
Points redeem easily for purchases at Bass Pro Shops and Cabela's, with no redemption minimum. That makes the card a solid fit for shoppers who buy gear regularly.
Who Can Get Approved?
Co-branded retail cards like the Cabela's CLUB Mastercard often sit in the fair-to-good credit range, so a good credit score improves your odds. Many applicants with a reasonable credit history are approved, though approval is never guaranteed.
Applying triggers a hard inquiry, which can dip your score by a few points temporarily. If you have little or no credit history, you may face a tougher time getting approved.
APRs vary by creditworthiness, and retail cards can carry higher rates. Carrying a balance means paying interest that can outweigh the points you earn, so the card works best for people who pay in full.
The Trade-Offs to Weigh
The rewards are strongest at Bass Pro Shops and Cabela's, while everyday spending only earns 1%. If most of your spending happens elsewhere, a flat-rate cash-back card might serve you better.
The higher reward tiers also require significant annual spending to reach. Casual shoppers may stay at the Classic 2% rate, which is still fine but not exceptional.
For people focused mainly on building credit, the rewards matter less than consistent, on-time payments. Any card that reports to the bureaus and that you use responsibly can help.
Cards That May Build Credit Further
If your real goal is building credit rather than earning gear points, an unsecured card with no deposit may be a better fit. If you are new to credit, a guide on how to build credit at 18 covers the fundamentals. These cards report to the major bureaus and work anywhere their network is accepted.
The Aspire Mastercard is an unsecured option with no security deposit, designed for people working on fair credit. It runs on the Mastercard network, so you can use it broadly.
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.
The Perpay Credit Card is another unsecured card built around steady, manageable payments that can help establish positive history. For a savings-plus-credit approach, the Self Visa® Credit Card pairs a credit builder account with a card. If you would rather start with a deposit, a secured credit card is another reliable way in. Tracking your progress with a 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
Tips for Using a Rewards Card Wisely
A rewards card only pays off if you avoid interest. Treat it as a budgeting tool and charge only what you can pay back in full.
Pay on Time, Every Time
Late payments can hurt your credit and add fees. Autopay for at least the minimum payment can help you stay current.
Keep Balances Low
Using a small share of your limit, known as your credit utilization, can support a healthier score over time. Try to keep balances well below your credit line.
Next Steps
The Cabela's CLUB credit card can reward frequent outdoor shoppers with no annual fee and points that do not expire. Before applying, weigh how much of your spending really happens at Cabela's or Bass Pro Shops.
If building credit you can use anywhere is your priority, an unsecured starter card paired with credit monitoring may take you further. Read the terms, compare your options, and pick what fits your budget and goals.
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 rewards at Cabela's and Bass Pro Shops and 1% in CLUB Points everywhere else.
Do Cabela's CLUB Points expire?
As of June 2026, CLUB Points do not expire on open accounts, and there is no limit to how many you can earn. They can be redeemed for purchases at Cabela's and Bass Pro Shops with no redemption minimum. Terms and conditions apply.
What credit score do I need for the Cabela's credit card?
There is no published minimum, but co-branded retail cards like this often fall in the fair-to-good range. Approval is never guaranteed and depends on your full credit profile. APRs vary by creditworthiness.
What are good alternatives for building credit?
If your goal is building credit you can use anywhere, unsecured options like the Aspire Mastercard or the Perpay Credit Card may help with no deposit. The Self Visa® Credit Card pairs saving with credit building. A monitoring tool like Creditship can help you track your progress.
