Capital One
Cabela's CLUB Card Review 2026
Capital One co-branded Mastercard — the Cabela's-branded twin of the Bass Pro Shops CLUB Card, same terms.
Who Cabela's CLUB Card is best for
Cabela's regulars who want a lower APR on in-store gear purchases under the Cabela's brand.
At a glance
- Annual fee
- $0
- Purchase APR at Bass Pro/Cabela's
- 9.99% APR
- Purchase APR elsewhere
- 19.49%–30.49% variable
- Bass Pro/Cabela's rewards rate
- 2% back
Per Capital One, verified Aug 2026
Verified Aug 2026 — identical to the Bass Pro Shops-branded version
Applies to non-Bass Pro/Cabela's purchases and to balance transfers
On Bass Pro Shops & Cabela's purchases, per Capital One
Pros
- +9.99% fixed-style promotional APR on purchases at Bass Pro Shops and Cabela's
- +$0 annual fee
- +Up to $60 in CLUB Points as a welcome bonus, identical structure to the Bass Pro Shops-branded card
- +Unlimited CLUB Points redeemable for free gear
Cons
- −The 9.99% rate is Bass Pro/Cabela's-purchase-only — spend anywhere else and the APR jumps to 19.49%-30.49% variable
- −Cash advance APR is 30.49% variable, with a $5-or-5% cash advance fee
- −2% back is modest next to dedicated 2%+ flat-rate cash-back cards for non-Bass-Pro spend
- −Functionally identical to the Bass Pro Shops CLUB Card — the only difference is card art/branding
Cabela's CLUB Card requirements
- Good-Excellent credit typical for approval, per Capital One's card tier label
- US residents 18+
- Hard credit pull required
Cabela's CLUB Card alternatives
Top alternatives worth comparing from Bass Pro Shops & Cabela's CLUB Card: Complete 2026 Guide.
Capital One
Bass Pro Shops CLUB Card
Same terms under the Bass Pro Shops brand name — pick whichever store you shop more often
Not sure which card fits?
Answer 3 quick questions and get matched to the right card type for your spending profile.
Find your card type — 60-second quiz→The full lineup
See all picks in Bass Pro Shops & Cabela's CLUB Card: Complete 2026 Guide
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Cabela's CLUB Card scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Cabela's regulars who want a lower APR on in-store gear purchases under the Cabela's brand.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Cabela's CLUB Card
Is the Cabela's CLUB Card different from the Bass Pro Shops CLUB Card?+
No — per Capital One's own card catalog, the Cabela's CLUB Card and Bass Pro Shops CLUB Card carry identical rates, fees, and rewards (2% back on Bass Pro Shops & Cabela's purchases, 9.99% APR on purchases at either brand, $0 annual fee). The only difference is the card art and brand name, since Bass Pro Shops owns Cabela's.
What's the APR on the Cabela's CLUB Card?+
Purchases at Bass Pro Shops and Cabela's carry a 9.99% APR. Purchases made anywhere else Mastercard is accepted, plus balance transfers, carry a 19.49%-30.49% variable APR. Cash advances carry a 30.49% variable APR. Figures per Capital One, verified August 2026.
Is ClearValue Lending a bank or card issuer?+
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the Cabela's CLUB Card. The card is issued by Capital One. Rates, fees, and terms are determined solely by the issuer and may change — verify current terms at capitalone.com before applying.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.