Cabela's CLUB Mastercard
Basic Information
Program ID: cabelas
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 11:58
Last Scraped: 01/15/2026 06:54
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after requirement is met, but often within 48-72 hours of statement closing.
Rewards Program
Reward Type: CLUB Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Cabela's and Bass Pro Shops (for Black status members), 2x on Gas and Dining
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 12 months of account inactivity or upon account closure.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Capital One Cabela's Club Rewards Card in 2026 will generally require good to excellent credit (FICO score typically 670+), no recent bankruptcies or defaults, and being 18 years or older (19+ in AL/NE). Capital One typically restricts new card approvals to one every 6 months across all their products. While not a strict 'once per lifetime' bonus like some premium cards, sign-up bonuses are generally reserved for new cardholders who have not had the Cabela's card in the past 24-48 months. Applicants should also be mindful of Capital One's internal limits on total credit exposure and number of cards.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, rapid credit limit increase requests, high cumulative credit limits across Capital One cards, opening too many new accounts (even with other issuers) in a short period, unusual spending patterns inconsistent with declared income, and failure to comply with financial review requests.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent rewards for Cabela's/Bass Pro Shops purchases, good financing options, easy to manage account.
Top Negative Feedback:
Limited redemption options outside of store, lower general rewards rate compared to other cards, high APR if balances are carried.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Bass Pro Shops CLUB Mastercard
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $160.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0