Cabelas CLUB Mastercard: An In-Depth Review

The Cabelas CLUB Mastercard, issued by Capital One, is a co-branded credit card designed specifically for outdoor enthusiasts and shoppers who frequently patronize Cabelas and Bass Pro Shops. This card offers a variety of benefits tailored to adventurous customers alongside a competitive rewards program that can enhance your shopping experience.

Card Type

The Cabelas CLUB Mastercard is primarily a co-branded rewards card, providing access to unique perks associated with Cabela’s and Bass Pro Shops shopping while also delivering robust cashback rewards on everyday purchases.

Annual Fee

One of the attractive features of the Cabelas CLUB Mastercard is that it has no annual fee. This makes it a great option for those looking to maximize rewards without the burden of added costs.

Rewards Program

The cards rewards structure is appealing, offering 3% cashback on purchases made at Cabelas and Bass Pro Shops, up to $25,000 annually. After reaching this threshold, rewards drop to 1% cashback. Customers earn 1% cashback on all other purchases, ensuring that cardholders can continuously earn rewards on their everyday spending. Rewards accrued can be redeemed for various options, including merchandise at Cabela’s or Bass Pro Shops, gift cards, and more.

Sign-Up Bonus

New applicants can take advantage of a lucrative welcome offer. Consumers who spend $500 in the first 90 days of account opening can receive a bonus of $25 in CLUB Points, further enhancing the initial rewards experience.

APR (Annual Percentage Rate)

The Cabelas CLUB Mastercard typically comes with a variable APR ranging from 16.24% to 26.24%, depending on the applicant’s creditworthiness. It’s important to note that cardholders may qualify for a 0% introductory APR on balance transfers for the first 12 months, making it an excellent option for those looking to consolidate debt.

Foreign Transaction Fees

For travelers, the Cabelas CLUB Mastercard is advantageous as it does not charge foreign transaction fees. This benefit makes it a practical choice for outdoor enthusiasts keen on international adventures.

Balance Transfer Options

The card offers a competitive option for balance transfers. New cardholders can take advantage of a 0% APR promotional period for the first 12 months on balance transfers made within the initial three months after account opening. This offer is a great way to manage existing credit card debt without accruing interest over the introductory period.

Additional Fees

Beyond the absence of an annual fee, cardholders should be aware of other potential costs. The Cabelas CLUB Mastercard includes a late payment fee of up to $39 and a cash advance fee of either $10 or 3% of the cash advance amount, whichever is greater, which is common among credit cards.

Card Benefits and Perks

The card provides several significant benefits, including access to special offers and promotions at Cabelas and Bass Pro Shops, as well as free shipping on qualifying orders. Furthermore, cardholders can receive exclusive invitations to members-only events at affiliated retail locations, enhancing the overall shopping experience.

Customer Protections and Insurance

In terms of customer protections, the Cabelas CLUB Mastercard offers $0 fraud liability, which ensures cardholders are not responsible for unauthorized purchases. Additionally, the card includes purchase protection, covering eligible purchases against theft or damage for a limited time, as well as rental car insurance when renting a vehicle using the card for payment.

Eligibility and Credit Score Requirements

To qualify for the Cabelas CLUB Mastercard, applicants typicallyrequire a good to excellent credit score (usually around 700 or higher). Reliable income and a clean credit history will significantly enhance the chances of approval.

Introductory Offers

The introductory offers associated with this card further add to its appeal, with a 0% APR on balance transfers for the first 12 months. It’s a compelling incentive for new customers looking to manage their financial obligations more effectively.

Special Features or Unique Selling Points

Offering unique features, the Cabelas CLUB Mastercard stands out for its connection to outdoor lifestyle brands. Cardholders can earn CLUB Points that can be redeemed for exclusive gear, outdoor experiences, and more. This card also allows for a tailored experience through curated offers based on spending habits.

How to Apply

Interested consumers can apply for the Cabelas CLUB Mastercard easily online. Applications can be completed on the official Capital One website, making it accessible for anyone interested in enhancing their rewards program. For more information, visit the ‘>Apply Here and start maximizing your shopping rewards today!

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