Cabela's CLUB® Card
Earn up to 5% back in CLUB Points at Bass Pro Shops & Cabela's with $0 annual fee
The Cabela's CLUB Card earns 2% back in CLUB Points at Bass Pro Shops, Cabela's, and Mack's Prairie Wings with 1% on everything else — all with no annual fee and no foreign transaction fees. High-spend outdoors enthusiasts can unlock 3% (Silver, $10K/yr) or 5% (Black, $25K/yr) at these retailers. Points never expire, have no earning cap, and redeem at 1 cent each for gear, boats, ATVs, resort stays, and restaurant meals across the Bass Pro ecosystem.
- Annual Fee
- $0
- Welcome Bonus
- Up to 7,500 points
- Highest rate (conditional)
- Up to 2X (Bass Pro Shops)
Terms checked against the issuer on November 5, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World
- Rewards Currency
- CLUB Points (Bass Pro Shops & Cabela's)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: Up to 7,500 points
- 2,500 points on approval
- + 2,500 points after 5 purchases anywhere Mastercard is accepted, within 30 days of account approval
- + 2,500 points after 5 more purchases anywhere Mastercard is accepted, within the same 30 days
The total needs every stage above. Meet only the first and you earn 2,500 points.
Earning Rates
- 2X
Bass Pro Shops
2% back in CLUB Points at Bass Pro Shops, Cabela's, Mack's Prairie Wings, and participating White River Marine Group dealers (Classic tier). Silver tier earns 3% ($10K annual spend), Black tier earns 5% ($25K annual spend).
- 1X
All Other
1% back in CLUB Points on purchases everywhere else Mastercard is accepted
Earning Scenarios
Up to 5% Back at Bass Pro Shops & Cabela's
Earn 2% back in CLUB Points on every dollar spent at Bass Pro Shops, Cabela's, Mack's Prairie Wings, and participating boat dealers. Upgrade to Silver (3%) or Black (5%) by hitting annual spend thresholds.
Spend $5,000 at Bass Pro Shops: earn 10,000 CLUB Points ($100 in free gear). At Black tier, that same spend earns 25,000 points ($250).
1% Back on Everything Else
Every purchase outside Bass Pro/Cabela's earns 1 CLUB Point per dollar. No cap, no expiration. Gas, groceries, restaurants — it all adds up.
Average $2,000/month on other purchases: earn 24,000 CLUB Points/year ($240 in free gear).
Benefits & Perks
Insurance & Protections
1 protectionsComprehensive identity theft monitoring
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesHow It Compares
With no annual fee, the Cabela's CLUB Card earns 2% at Bass Pro/Cabela's (up to 5% for big spenders) and 1% everywhere else. The 9.99% in-store APR and promotional financing make it useful for large outdoor gear purchases, but points can only be redeemed within the Bass Pro ecosystem.
The Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 19.74%–30.74% |
| Cash Advance APR | 30.74% |
| Foreign Transaction Fee | $0 |
Media & Resources
Video Reviews
8 videosBass Pro / Cabela's Credit Card Review 2020 - Bass Pro Shops Mastercard or Cabela's Mastercard
Is The Cabela's Credit Card Worth Getting? - Crazy About Credit Cards
Bass Pro Shops CLUB Card by Capital One
Cabela's CLUB Card by Capital One : Test & Review in 2024 (is this credit card reliable?)
Bass Pro Shops Club From Capital One Credit Card Review - Watch Before You Apply
America Bass Pro Shops Club From Capital One Credit Card Honest Review
Bass Pro Shops CLUB Card My Honest Review and User Experience
Third-Party Articles & Reviews
Cabela's CLUB Terms & Conditions
Cabela's CLUB Credit Card | Capital One (Official)
Cabela's CLUB Mastercard Credit Card Review
Cabela's CLUB Card Review: Will Your Hunt End Here?
Cabela's CLUB Credit Card Review
5 Things to Know About the Cabela's and Bass Pro Shops Cards
Cabela's Credit Card Reviews: Is It Worth It?
Cabela's CLUB Credit Card Points
Cabela's Club Mastercard Reviews: Is It Any Good?
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Capital One | — | Capital One |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
