If you are a frequent customer at Cabela’s, you may be interested in the Cabela’s Credit Card. This is because this card is specially designed with the needs of frequent Cabela’s customers in mind.
With the Cabela’s Club Visa credit card offer, you can earn rewards for shopping at Cabela’s, as well as earning rewards that relate to Cabela’s. However, you should be aware that there are many credit cards that can compete with this one. Because of this, it is important to weigh the pros and cons of this card carefully, especially in comparison to other credit cards that you might choose instead.
What follows should give you enough information to make a good start in your process of choosing a credit card and then after reading through this Cabela’s credit card review be sure to use the free credit card finder tool to find and compare credit cards!
Cabela’s Credit Card Rewards
The Cabela’s card encourages you to make purchases at Cabela’s. If you do this often, you may find that this card is a good deal. Every time you spend a dollar at Cabela’s using this card, you will receive two points.
Additionally, you receive 1,000 points simply for signing up. As long as your account remains in good standing, your points can accumulate forever until you wish to spend them.
There are a variety of ways you can do this, all of which relate to Cabela’s. If you are shopping at Cabela’s often, this is a particularly good deal (of course there are many other cash back credit cards with better rewards programs that offer rewards for shopping almost anywhere and not just Cabela’s).
Other Cabela’s Credit Card Features
The Cabela’s card has an APR of 9.99% for purchases at Cabela’s. For other purchases, the rate will vary. The lowest rate you can receive using this card is 12.99%, which is lower than some cards, and higher than others.
The Cabela’s card charges no annual fee, but charges fees for cash advance, going over the credit limit, and late payments. It has a minimum finance charge of $0.50. Unlike many credit cards, it does not have a lower APR for an introductory period.
Comparison
This card may not be as good of a deal as it might first seem once compared to similar cards. For example, using a Discover card like the Discover More Card can get you a 5% rebate on purchases from Cabela’s. Additionally, this card also gives you special rebates at many other locations. Because of this, it may be a much better deal for you, particularly if you qualify for comparable or lower rates.
Further Information
As you can see, the Cabela’s Credit Card may be a very good deal, or it may be a credit card that is easy to ignore in favor of others. Whether you choose this card will depend on how it compares to other credit cards that you qualify for.
Because of this, it is very important to find out as much as you can about both this card and its competitors. Once you do this, compare the benefits you will receive with your shopping habits by using our cash back credit card calculator.
You should be able to get a fairly accurate estimate of the money you will save with each individual credit card, which will give you enough information to decide which card gives you the best deal as objectively as possible.
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Cabelas Club Visa, offered by World’s Foremost Bank, was great in the good times. A nice large limit (which I paid off entirely every month), easy spending of points, and an overall quality experience. As soon as the credit difficulties in the country ensued, I get a letter from Cabelas which lowered my limits by 80%, with the explanation that my “credit had dropped significantly”. So of course I panic, pull my credit report, and all is perfectly fine.
I call them to exclaim their data was false and absolute rudeness was returned.
So I’m finished with them.
Cabelas Club Visa – not a good representation of the kind of service I’ve come to expect from Cabelas. The “Worlds Foremost Bank” has some extremely poor ways of showing customer appreciation. My credit limit is about a third of what they originally set. No decrease in my credit score, just some automated system lowering my credit limit – now twice. Never missed a payment, spent a LOT of money with Cabelas as usual. When I contacted CABELAS they transferred me to the Bank, had a two-way conversation about “this guy” when I was on the line and they didn’t realize it. After they got done..I asked if they were finished (could have heard a pin drop). Was ultimately treated rudely as others have been – was told they have a right to do this any time they wish. Asked if I wanted to close the account. Wow….”Worlds Foremost Bank” – what a crock of crap. I’m taking my business elsewhere if they don’t resolve this. I’ve been a customer of Cabelas for over 30 years and spend thousands every year with them. They need to get re-connected with their customers and quit acting like the huge conglomerate that they now are!!!! FAIL!!!!
Poor customer service. Made 2 payments in one month, the 2nd was for the next months statement but it was posted before the closing date so I incurred a late fee (my first one) the following month. Explained what happend, would not wave fee. Paid off balance over phone then closed account, then they were more than happy to wave fee. No thanks.
Does not work well with financial software, Quicken would always have to make a .10 or .17 adjustment when reconciling. Never figured out what the deal was with that.
Only plus is if you shop cabelas enough to benifit from the club points
I never had a credit card that I liked better then cabelas good service an nothin that I can complain about its just 1 service every time I need to know somethin not hard to deal with an better then any other credit card out there period
This is probably the worst credit card I’ve ever had. I sent them a check to pay a bill in full for $XX and they cashed it for $Y, much less. Then they called me to demand payment! Told me there would be a late charge, interest fees, etc. I pointed out that they made the mistake and the guy agreed that he could see the image of the check but that I had to pay the balance over the phone right then and there! I of course fought back and got him to promise me a new statement with the balance and no charges. They called back a week later and demanded payment again! Again they promised a new statement and no charges. A few days later I check my checking account and they went back and re-cashed the check for the remaining balance! Not a word to me! And let’s not forget that the customer service people acted like *I* was the one who had done something wrong. This may be the worst customer experience I’ve ever had. Cabela’s you’ve just lost a credit card customer and I’ll never shop at your stores again!