Apply for Cabela’s Credit Card: If you’re a frequent shopper at Cabela’s or Bass Pro Shops, applying for a Cabela’s Credit Card could be a great way to earn rewards on outdoor gear, hunting, and fishing supplies.
Issued by Capital One, this card offers perks like Cabela’s CLUB points, which can be redeemed for future purchases.
In this guide, we’ll walk you through the application process, eligibility requirements, benefits, and tips to increase your approval chances.
Benefits of Cabela’s Credit Card
Before applying, it’s essential to understand what you get with this card:
✅ Earn CLUB Points – Get points for every purchase at Cabela’s, Bass Pro Shops, and other participating stores.
✅ Special Financing Offers – Access exclusive financing options on qualifying purchases.
✅ No Annual Fee – Enjoy all the benefits without paying an annual fee.
✅ Access to CLUB Events & Discounts – Get special discounts and invitations to exclusive events.
✅ Use Anywhere Mastercard is Accepted – Since it’s a Mastercard, you can use it worldwide.
Eligibility Requirements
To apply for the Cabela’s CLUB Mastercard, you typically need to meet the following criteria:
✔️ Be at least 18 years old (or 19 in some states).
✔️ Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
✔️ Have a good to excellent credit score (typically 700+, but approval is possible with a lower score).
✔️ Have a steady source of income to meet payment obligations.
Step-by-Step Guide to Apply for Cabela’s Credit Card
Step 1: Visit the Official Website
- Go to the Cabela’s CLUB Credit Card application page on the Capital One website or Cabela’s official site.
Step 2: Start Your Application
- Click on the “Apply Now” button.
- You’ll be redirected to the Capital One application portal.
Step 3: Provide Your Personal Information
You’ll need to enter:
🔹 Full Name
🔹 Date of Birth
🔹 Social Security Number (SSN)
🔹 Contact Information (Address, Email, Phone Number)
Step 4: Provide Financial Information
- Employment Status – Indicate whether you’re employed, self-employed, or retired.
- Annual Income – Provide your gross annual income before taxes.
- Monthly Housing Payment – Indicate how much you pay for rent/mortgage.
Step 5: Review & Submit Your Application
- Double-check all the details.
- Click “Submit” to send your application for review.
What Happens After You Apply?
🔹 Instant Approval: If you meet all the requirements, you may get approved instantly.
🔹 Further Review: In some cases, your application may need further review, which could take 7–10 business days.
🔹 Denial: If denied, you’ll receive an explanation letter with the reason for rejection.
Tips to Increase Your Chances of Approval
✔️ Check Your Credit Score – Ensure you have a good credit score before applying.
✔️ Reduce Your Debt-to-Income Ratio – Pay off existing debts to improve your financial profile.
✔️ Avoid Multiple Credit Applications – Too many recent applications can lower your score.
✔️ Ensure Your Information is Accurate – Mistakes in your application can cause delays or rejection.
How to Activate Your Cabela’s Credit Card
Once approved and you receive your card:
1️⃣ Visit capitalone.com/activate or call the activation number on the card.
2️⃣ Follow the instructions to set up your account.
3️⃣ Start using your Cabela’s CLUB Mastercard to earn rewards!
Managing Your Cabela’s Credit Card
- Online Banking: Manage payments, view statements, and track rewards via the Capital One mobile app or website.
- Set Up AutoPay: Avoid late payments by enabling automatic bill pay.
- Monitor Your CLUB Points: Check how many points you’ve earned and redeem them for Cabela’s or Bass Pro Shops purchases.
FAQs about Applying for Cabela’s Credit Card
1. Who is eligible to apply for a Cabela’s Credit Card?
To be eligible for a Cabela’s Credit Card, applicants must be at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico), have a valid U.S. Social Security Number, and meet other credit qualifications.
2. How can I apply for a Cabela’s Credit Card?
You can apply for a Cabela’s Credit Card online through the Cabela’s website, at any Cabela’s store at the customer service counter, or by phone by contacting their customer support.
3. What are the benefits of having a Cabela’s Credit Card?
Cabela’s Credit Card holders enjoy exclusive benefits such as special discounts, reward points on all purchases, access to special cardholder events, and no annual fee.
4. What should I do if my application is declined?
If your application is declined, Cabela’s will provide a letter explaining the reasons for the denial. You can review the decision and, if applicable, correct any inaccuracies or reapply after improving your credit status.
5. How long does it take to receive a decision on my application?
Most applicants will receive a decision instantly. However, in some cases where further review is needed, it may take a few days to receive a response.
6. Can I use my Cabela’s Credit Card at Bass Pro Shops?
Yes, Cabela’s Credit Card can be used at both Cabela’s and Bass Pro Shops, as well as at select restaurants and resorts associated with these stores.
7. What is the APR for a Cabela’s Credit Card?
The APR for purchases with a Cabela’s Credit Card varies based on the prime rate. Details on the current APR can be found in the terms and conditions when you apply.
Final Thoughts
The Cabela’s Credit Card is an excellent choice for outdoor enthusiasts who frequently shop at Cabela’s or Bass Pro Shops. With its reward system and special financing offers, it’s a valuable tool for saving money on outdoor gear.
If you meet the eligibility criteria and use the card responsibly, you can maximize its benefits while improving your credit.
