Can You Use a Cabela’s Credit Card Anywhere?

Last Updated on 06/18/2021 by GS Staff

The Cabela’s Club credit card is a Mastercard and can be used anywhere that Mastercard is accepted. It can be used on Amazon, Walmart, and for payment at thousands of other businesses.

Credit Card Types

Cabela’s offers three types of Mastercards: classic, silver, and black. The credit card you are eligible for depends on your credit history and ability to meet spending requirements. The spending requirement for the classic is $0, silver is $10,000, and black is $25,000. In other words, you must spend at least $10,000 or $25,000 at Cabela’s/Bass Pro Shops in a year to meet the silver and black tiers, respectively.

The benefit of spending more at Bass Pro Shops and Cabela’s is that more can be earned in points. The classic credit card receives 2% points back on Bass Pro Shops, Cabela’s, and Cenex purchases, 3% for silver, and 5% for black. All credit cards earn 1% points back everywhere Mastercard is accepted. One hundred points are equal to one dollar that can be used to obtain merchandise at Bass Pro Shops, Cabela’s, and merchandising subsidiaries.

Cabela’s Club Mastercard (Capital One) Application Terms

At the time of this article, these are the terms of the Cabela’s Mastercard. Visit Cabela’s website to find a link to the latest terms. If you have an existing Cabela’s credit card, your terms were provided to you during the original application process.   

Annual Percentage Rate (APR) for Purchases at Bass Pro Shops & Cabela’s9.99%
APR for Other Purchase and Transfers15.24%, 18.24% or 24.24% based on creditworthiness. Variable based on prime rate.
Cash Advances APR2%. Variable based on prime rate.
Grace Period25 days after the close of each billing cycle.
Minimum Interest ChargeNone
Annual Fee$0
Transfer Fee3% of the amount of each transferred balance that posts to your account at a promotional APR.

None for balances transferred at the Transfer APR.
Cash Advance FeeThe greater of 4% of the amount of each cash advance or $10.00
Late Payment FeeUp to $38

Bonus – You will receive $25.00 in Club points if approved for a credit card. $10 in Club point are received after five purchases within 30 days after the credit card account is approved. 

Final Thoughts

While the Cabela’s credit card can be used anywhere that Mastercard is accepted, the 1% back for these purchases can only be used for Cabela’s gear. You should be certain that this gear will be useful to you, otherwise another credit card might be more appropriate for your everywhere spending. 

Keep in mind that not all store credit cards can be used anywhere. The Ashley Furniture Advantage credit card is an example of a card that can only be used in Ashley stores or online. 

Image – TheZachMorrisExperience