Verdict: The Cabela’s Club Visa credit card is a retail reward card designed for the Cabela Club frequent traveler or shopper. This credit card allows cardholders to earn reward points from their credit card purchases with no annual fee. Cabela’s is the World’s Foremost Outfitter of hunting, fishing and outdoor gear. The company produces nearly 100 different catalogs per year, including specialty books focusing on such outdoor pursuits as archery, fly-fishing and boating, as well as massive Spring and Fall Master catalogs. So there is always plenty of things an avid outdoorsman will want to purchase.
Before you apply for the Cabela’s Credit Card:
The Discover More Card is the best credit card for earning rewards at Cabelas.
Discover has created an online portal for their cardholders called ShopDiscover where they have partnered with over 100 retailers to give big discounts. If you have a Discover® More Card, you can earn 5% cash back when you shop at Cabelas online through the ShopDiscover portal as well as 1% back on all other purchases you make with the card. With Discover® More you also earn 5% back on gas, groceries and other rotating categories. The Cabelas card gives you 2% back on in store purchases only, so in my opinion, Discover® More is a much better card.
As you can see in the picture above, The Discover More Card is offering 5% cash back on all online purchases from Cabelas – with the Club Visa you only earn 1 point per dollar which equates to about 2% back when shopping at Cabelas.
Overview: World’s Foremost Bank is the issuer of Cabela’s Club Visa. Cabela’s Club is an outdoor gear and travel club. Its credit card allows cardholders to earn reward points from their credit card purchases. These reward points can then be redeemed for Cabela’s catalog items and merchandise. You can earn double points with any Cabela’s purchase. You also get a lower APR for any Cabela’s purchase that you make. To provide support for their co-branded credit card, which was started in 1995, Cabela’s chartered the World’s Foremost Bank, N.A., in 2001. The bank provides customer service, risk management and payment processing exclusively for Cabela’s Visa cardholders.
How this card works: You earn two points for every dollar you spend on Cabela’s purchases and one point for every dollar you spend on other purchases. You can earn unlimited points and they do not expire as long as your account is in good standing. You can redeem your points anytime for Cabela’s merchandise. New cardholders get 1,000 points.
Benefits:
- $15 off upon approval: By taking just a few minutes to fill out our brief application below, they give you $15 in CLUB Points to use on your purchase upon approval!
- Earn more FREE gear with every charge: 2% back for all purchases at Cabela’s. 1% back everywhere else Visa credit cards are accepted (gas, groceries, etc.).
- Points Redemption is easy: It’s easy to redeem your points through cabelas.com, any Cabela’s store or any of our catalogs – just tell them! No restrictions on what you can redeem points for – anything Cabela’s sells is fair game. There is no limit on points and they never expire on accounts in good standing. No annual fee.
- FREE Online Services: Access to exclusive CLUB offers not available to the public; Easy online banking features – make a payment, view your current activity, request statement information and much more! Download transactions to Quicken or Microsoft Money
Fees:
There is no annual fee for the Cabela’s Visa. There are a few APR’s to be aware of. Firstly, the APR for Cabela’s purchases is a fixed rate at 9.99%. The purchase APR for non-Cabela purchases is prime rate plus 7.99%, but the APR cannot go lower than 12.99%. The APR on balance transfer is higher at prime rate plus 11.99%. The Cabela’s Visa Card uses the average daily balance method for computing balances and has a grace period of 20 days.
Pros:
- Earn double points on Cabela’s purchases
- Earn unlimited points
- Points do not expire as long as account is in good standing
- No annual fee
Cons:
- Different APR for non-Cabela purchases
Kevin Fleming founded CreditShout in 2008 to help people manage their credit and finances. Kevin wants to make it easy for anyone, regardless of their level of financial knowledge to understand credit cards and what may seem like the complex world of personal finance. | 
October 17th, 2010 at 12:24 pm
Does Cabela (Club Visa Deals) have a method for working online to download “estatements”??
Have only a single page of the statement date of
08/09/2010 and cannot “balance” my Quicken books without all of the pages (4, I believe).
Thanks Have the Cabela Club Visa
December 20th, 2010 at 11:45 am
could i get a cabela’s card with my buisness name on & get 3 employee cards??? i like your pionts to buy at your store..
i have a fulton bank visa card that i am using now with 3 employee cards & a $10,000.00 credit limit..i would like to switch but would need the same setup..we pay the full amount every month..hope you can get me cards..
Swatara concrete 7780 lancaster ave. myerstown PA 17067
August 22nd, 2011 at 11:21 pm
I’ve heard nothing but bad things about cabelas credit card. I hope they have fixed their problems because I just got a card.
October 28th, 2011 at 10:45 am
This card is absolutely horrible! I use this card for business purposes and travel constantly. I spend around $6,000 a month in expenses and I pay the card completely off every two weeks. I can’t even tell you have many times my card has been declined because of a Fraud Alert. I have warned them before hand that I travel weekly and they said I need to call every time I travel.. really? Recently I spent the $25,000 limit to get the Cabela’s Black card and they claim my credit score is to low to the get the black card. They claim I have to have above a 680 in order to get the card. I have been told by numerous people that you can’t even get ANY Cabela’s Bank Card if you have a credit score below a 680. I pulled all three of my credit scores the same day and my scores were between a 710 and 720. I can not say enough how much I hate this card and if my husband didn’t enjoy using the Cabela’s points so much I would chop this card in pieces.
March 23rd, 2012 at 4:40 pm
What Meghan said. It’s embarrassing. We pay off our credit cards every month and still get declined like deadbeats.
On their advice, I called them when I traveled – and still got declined. It’s annoying as heck.
The people on the other end of the phone line are nice and helpful and, importantly, in the US, but that’s like saying my mechanic is a great guy. That may be so, but I don’t want to talk to him so damn much. We stopped using ours and will cancel soon.