Cabela’s CLUB Mastercard®


For People with
Fair Credit

REVIEWS

Reviews

The Cabela’s CLUB Mastercard has replaced the old Cabela’s CLUB Visa, and this new card is issued by Capital One rather than Bank of America. The new card is more rewarding for certain purchases, and comes with additional benefits. See the section below for details on this transition, and what to do if you had the old card.

Cardholders will earn CLUB points based on their member level at Cabela’s, Bass Pro Shops, participating Cenex convenience stores, and a variety of affiliated resorts and restaurants. You can see all of those participating locations below.

CLUB Points (at Cabela’s and affiliates) Status Level Annual Spend Requirement
2X CLUB Classic None
3X CLUB Silver $10,000
5X CLUB Black $25,000

1X Club point is provided for every other purchase, at non-affiliated merchants.

Points can be redeemed for purchases at Cabela’s or Bass Pro Shops, at a rate of $1 for 100 points. This means you’ll earn a cash back equivalent of 2–5% at Cabela’s and affiliates, depending on your status level, with 1% back everywhere else.

The annual spend requirements refer to calendar years (January to December). In addition to the spend requirements, eligibility for the Silver and Black status levels will be based on your creditworthiness. The better your credit, the better your chances of approval. The Silver and Black levels also come with different card designs.

It will usually take up to five business days to process your status upgrade after reaching a spend requirement. The new status level will last for the remainder of the current year and for the next year as well. Downgrades will usually be processed in January, based on the previous year’s spending.

Cardholders also get a variety of benefits, including extra point opportunities through the Gear Guide. Silver and Black status members have access to Signature Outdoor Adventures, and invitations to exciting workshops and training events through The Experiences program. There are also several purchase and travel protections provided by Capital One. Cardholders at the Classic and Silver levels will receive World Mastercards, while those at the Black level will receive a World Elite Mastercard with enhanced benefits.

Unlike most cards, the Cabela’s CLUB Mastercard has different interest rates depending on where you’re shopping. Purchases made at Cabela’s and Bass Pro Shops will have an APR of 9.99%, while all other purchases will get the APR shown below.

The Cabela’s CLUB Mastercard has no annual fee, and there are no foreign transaction fees.

Bass Pro Shops offers the same card product, which is identical in every respect except the name and card design: The Bass Pro Shops CLUB Card.

What You Need to Know About the Transition from Visa to Mastercard

If you had the original Cabela’s CLUB Visa, you should receive a new Cabela’s CLUB Mastercard by December 2018. If you don’t receive a new card contact Capital One at 1-800-227-4825.

There are quite a few things to be aware of regarding your new card and account:

  • You must activate your new card and set up an account with Capital One before you can use it, which you can do by clicking that link or calling 1-800-300-5984.
  • If you already have a Capital One account, you can sign in with your regular login details to link the Cabela’s CLUB Mastercard to your account.
  • You’ll now be logging in to your online account through Capital One, rather than Bank of America.
  • Your old Visa card will be deactivated soon after you receive a new card.
  • Your new card will have a new account number and other details.
  • Your new card will not show up as a new account on your credit reports, it will remain the same.
  • You may get new interest rates, with a new billing due date and minimum payment.
  • If you set up automatic payments or were paying for any subscriptions with the old card, you’ll need to set up those services again with the new card.
  • You’ll be able to see the last 12 months of statements in your new online account (this may take 30 days to transfer).
  • Any rewards you earned with your previous card will be transferred to your new card account.
  • Any authorized users on your account will remain, and they will be issued new cards with new account numbers (the cards will be sent to the primary user’s address).

Where can I use my Cabela’s CLUB Mastercard®?

The Cabela’s CLUB Mastercard can be used anywhere Mastercard is accepted. Cardholders will earn extra cash back, depending on their status level, at Cabela’s, Bass Pro Shops, participating Cenex convenience stores, and the affiliated resorts and restaurants below.

You can check the participating Cenex convenience stores here by searching within the “Store Locations” category.

Affiliated Resorts
Angler’s Lodge Big Cedar Big Cypress
Affiliated Restaurants
Blue Fin Lounge Hemingway’s Blue Water Cafe Islamorada Fish Company Uncle Buck’s Brewery and Steakhouse
Uncle Buck’s Fishbowl and Grill Uncle Buck’s Grill White River Fish House Zane Grey Lounge
Card Quick Facts

Card Quick Facts

  • 2X CLUB points at Cabela’s, Bass Pro Shops, participating Cenex stores, and affiliated resorts and restaurants
  • CLUB Silver members earn 3X points on those purchases, and CLUB Black members earn 5X
  • Earn CLUB Silver status by spending $10,000 per year; earn CLUB Black status by spending $25,000 per year
  • Extra point-earning opportunities on select purchases through the Gear Guide
  • Silver and Black-level members get Signature Outdoor Adventures and The Experiences program
  • Shopping and travel protections
  • No foreign transaction fees
  • No annual fee

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

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Card Details

Rewards

Rewards

  • 2X CLUB points per dollar at Cabela’s, Bass Pro Shops, participating Cenex stores, and affiliated locations
    • 3X CLUB points for CLUB Silver members
    • 5X CLUB points for CLUB Black members
  • 1X CLUB point per dollar for all other purchases

Introductory Bonus

  • $25 in CLUB points after approval; $10 in CLUB points after making 5 purchases in the first 30 days
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 9.99% at Cabela's and Bass Pro Shops; 16.99%, 19.99%, or 25.99% Variable elsewhere
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit $500
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR See Terms
Late Fee Up to $38
Returned Payment Fee None
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 16.99%, 19.99%, or 25.99% Variable
Balance Transfer Fee 3% for transfers at promotional APRs, no fee for other transfers
Cash Advances

Cash Advances

Cash Advance APR 26.99% Variable
Cash Advance Fee 4%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Gear Guide

    Earn extra points on select purchases through the Gear Guide.

  • Signature Outdoor Adventures

    Access to hunting, fishing, and camping trips, among others. Silver and Black status members only.

  • The Experience

    Learn skills like shooting, bow hunting, camping, and more. Silver and Black status members only.

  • Capital One Concierge

    Call for non-emergency assistance for travel plans, dining reservations, and more.

  • Mastercard Priceless® Cities

    Invitations to exclusive events in big cities around the world.

  • $0 Fraud Liability

    You won’t be held responsible for unauthorized charges. Contact customer support immediately if you suspect fraud.

  • Card Lock

    Easily lock and unlock your card if you’re worried about fraud.

  • Account Alerts

    Get notifications about account activity, like purchases and posted payments.

  • Identity Theft Resolution Services

    Provides help if you believe you’ve become a victim of identity theft.

  • Extended Warranty

    Doubles an eligible manufacturer’s warranty of two years or less, by up to two additional years.

  • Price Protection

    If you find an eligible item you bought being sold for less, you can be reimbursed for the difference in price.

  • Mastercard Travel Services

    Perks like discounts at hotels, airlines, and car rentals, with access to travel advisors. World Elite Mastercard only.

  • Mastercard Global Service

    24-hour assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advances.

  • MasterRental Insurance

    Coverage against collision damage and theft of eligible rental vehicles, when you decline the rental company’s own insurance.

  • Master RoadAssist Service

    Call for help on the road, like tire changes and towing.

  • Travel Assistance Services

    Provides help with travel plans along with medical and legal assistance.

  • Travel Accident Insurance

    You, your spouse or domestic partner, and eligible children are covered against accidental death and dismemberment when traveling by common carrier.

  • Baggage Delay Insurance

    Provides up to $100 per day for 3 days for the purchase of essential items if your bags are delayed for more than 4 hours.

  • Trip Cancellation/Interruption Insurance

    Provides up to $1,500 per trip to cover eligible non-refundable expenses when your trip is cancelled or interrupted for an eligible reason.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 9 reviews
by Robert Lorenz
Fraudulent charge within minutes

Today is the third day since getting my new card activated. Already 2 fraud charges. Like the other reviewer, a new card is coming with waived delivery ‘express’ charge. Never a problem with the old Cabelas card. No way to start a relationship.

by Patricia Phillips
Cabela's Club MasterCard

I have had experiences similar to the other reviewers. Suspected fraud right off the bat. Card locked by CapitalOne. No notice, no text, no phone call. Took 2 weeks to get the "expedited" new cards. Oh, they did waive the $16.00 fee. You get the picture. My other complaint is 2 cards (one for me, one for my husband) 2 different numbers. What does it accomplish having 2 different numbers on the same account? I'm the bookkeeper in the family, this doesn't make sense. Wait a minute. Does this mean I am only responsible for charges on my card? I hardly think so. Yes, the statement shows charges by card. Big whoop. Thanks Capital One for nothing. As soon as we use up our existing points from Cabela's, we will be switching to another bank's card. I understand the Visa through Costco is very good. Will still she at Cabela's and Bass Pro. Sure will miss the points, though.

by Bob
Another Dissatisfied Customer

Because I can't given it a negative number... Cabela's I'm highly dissatisfied and disappointed! Capital One is a joke! No new card several calls regarding fraudulent purchases. Incompetent transaction from Visa to MC. Been with you for 20 years; time to move on?! Expected better professionalism than what I perceived...waiting for second set of cards to replace the first set I haven't received; so as of now I can't charge a thing for the next two weeks... Thanks for a great shopping season!

by Pete
Terrible Service

If I could rate it lower, I would. Worst CC transition imaginable! Never have received a replacement card, tried creating an account for two weeks to schedule a payment but Capital None would not accept any login name or passwords, only to be charged a late fee. Not keeping this one.

by Kelly O
Terrible Master Card

I had my Cabelas Club Visa for a few years and really liked the service. They changed my card from a Visa to a mastercard in the last year and I cannot use it in the international places I travel. Visa is more widely accepted and Cabelas was my "go to" card. I called Cabelas to ask to change my mastercard back to a Visa and they told me I could not do it. Sorry Cabelas, I won't be using your card any longer. Need to find another Visa. Cabelas if you have any cares about your customers at all-you will listen to the complaints concerning Capital One. This is not what I signed up for. Maybe if enough people complain Cabelas will listen. What a shame.

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