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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
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
CLUB Points (Bass Pro Shops & Cabela's)
Credit Required
Good to Excellent
Bonus: 6,000 points
Benefits & Perks
Recurring credits (annual): $126
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
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.
Details & Terms
| Purchase APR | 19.49%–30.49% |
| Cash Advance APR | 30.49% |
| Foreign Transaction Fee | $0 |
Up to 2X (Bass Pro Shops)
Highest rate (conditional)
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$75.60
Annual Fee
-$0
Net Annual Value
+$75.60
| 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 |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
