16
Benefits2
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Cabela's and Bass Pro Shops | 2x | Points | Purchases made at Cabela's and Bass Pro Shops | No Cap | |
| All Other Purchases | 1x | Points | All purchases outside of Cabela's and Bass Pro Shops | No Cap |
Rewards Summary
PENDINGReward Type: Club Points
Base Rate: 1x
Bonus Rate: 2x
Categories: Purchases at Bass Pro Shops and Cabela's
Quarterly Rotating: No
Expiration Policy: Club Points do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Club Points are primarily redeemable for purchases at Bass Pro Shops and Cabela's.
Benefits & Protections (Detailed) 16 Total
PENDINGFinancial 2
No Annual Fee
$0The Cabela's CLUB Mastercard has no annual fee.
CreditWise
Free credit monitoringAccess CreditWise to monitor your credit score and receive alerts if your Social Security number or email is found on the dark web.
Lifestyle 1
Capital One Mobile App
Mobile account managementManage your account, pay bills, and monitor transactions on the go with the Capital One Mobile App.
Purchase Protection 2
Extended Warranty Protection
Up to 1 additional yearDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases.
Purchase Protection
90 days coverageCovers eligible items against theft or damage for 90 days from the date of purchase.
Security 5
Zero Fraud Liability
Full protectionYou are not responsible for unauthorized charges made with your card.
Virtual Card Numbers (Eno)
Enhanced securityGenerate unique virtual card numbers for secure online shopping with Eno.
Instant Purchase Notifications
Real-time alertsReceive real-time alerts for every purchase made with your card.
Account Alerts
Customizable alertsStay informed about your account activity with customizable alerts.
Identity Theft Resolution Services
Resolution assistanceProvides assistance if your identity is stolen, including help with credit bureau notification and replacement of documents.
Shopping 3
Cabela's/Bass Pro Shops Rewards
2% backEarn 2% back in CLUB Points on eligible purchases made at Cabela's and Bass Pro Shops.
Everyday Rewards
1% backEarn 1% back in CLUB Points on all other purchases outside of Cabela's and Bass Pro Shops.
Welcome Bonus
$20 in CLUB PointsReceive $20 in CLUB Points upon approval for the Cabela's CLUB Mastercard.
Travel Assistance 1
Mastercard Global Service
24/7 emergency assistanceProvides emergency assistance services available 24/7 for lost/stolen card reporting, emergency card replacement, and emergency cash advance.
Travel Insurance 2
Travel Accident Insurance
Coverage for accidental death/dismembermentProvides coverage for accidental death or dismemberment when you travel by common carrier and charge the full fare to your card.
Auto Rental Collision Damage Waiver
Coverage for collision/theftProvides coverage for damage due to collision or theft of most rental vehicles when you rent an eligible vehicle with your card and decline the rental company's collision damage waiver (CDW) or similar option.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $1.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transferred balance that posts to your account. (Minimum $3) |
| Cash Advance: | Either $10 or 3% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 30.24%
Cash Advance APR: 30.24%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Cabela's Club Visa requires applicants to be 18+ years old, a US resident with a valid SSN/ITIN, and possess a good to excellent credit history. Capital One generally maintains strict application policies, often limiting approvals to one new Capital One credit card every 6 months. They also consider the total number of existing Capital One accounts an applicant holds. While there isn't a strict 'once per lifetime' bonus restriction specifically for the Cabela's card (unlike premium cards like Venture X), Capital One may deny a sign-up bonus if the applicant has had the card recently or has a high number of existing Capital One accounts. These rules are subject to Capital One's internal underwriting policies, which can evolve.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Capital One enforces internal application rules that can act as a 'cliff effect' across all its products. These typically include limits on the number of new accounts opened within a specific timeframe (e.g., one new card every 6 months) and a maximum number of total Capital One credit cards an individual can hold. Exceeding these unstated internal limits will likely result in denial for any new Capital One product, including co-branded cards like Cabela's. The Venture X 'once per lifetime' bonus restriction is specific to that product and not a general Capital One rule for all cards.
Special Events: Seasonal sales events (e.g., hunting season, fishing season, spring/fall sales), Black Friday/Cyber Monday, special financing offers on large purchases, bonus point promotions for specific categories or brands within Cabela's/Bass Pro Shops.
Holiday Promos: Major US holidays such as Memorial Day, Labor Day, Independence Day, Thanksgiving, Christmas, and New Year's. These periods often feature enhanced point earnings or special discounts for cardholders at Cabela's/Bass Pro Shops.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Strong rewards for Cabela's/Bass Pro Shops loyalists, no annual fee, accepted widely as a Visa card.
Top Negative:
Lower rewards rate outside of Cabela's/Bass Pro Shops, rewards tied to store credit, potentially high APR for some users.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Bass Pro Shops CLUB Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $130.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: March 2024