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Cabela’s CLUB Mastercard
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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Additional Secured Credit Cards
Comprehensive Overview of Additional Secured Credit Cards
The Additional Secured Credit Cards, issued by a reputable financial institution, are specifically designed for individuals looking to build or rebuild their credit history while enjoying a variety of benefits. This card stands out not only for its secure funding model but also for its comprehensive rewards program and added perks. Below, we delve into the crucial aspects of this credit card, ensuring you have all the information needed to make an informed decision.
Card Type
The Additional Secured Credit Card is classified as a secured credit card. Unlike typical unsecured credit cards, secured cards require a cash deposit that serves as collateral. This arrangement makes it an ideal choice for individuals aiming to improve their credit scores or those with limited credit histories.
Annual Fee
One of the attractive features of the Additional Secured Credit Card is its annual fee. This card comes with a nominal annual fee of $35, which is relatively low compared to many other secured cards on the market, making it an economically viable option for users.
Rewards Program
The card offers an enticing rewards program, allowing cardholders to earn 1.5% cashback on all purchases, with additional bonus categories that earn 2% cashback on grocery and gas purchases. Rewards can be redeemed directly as cashback or applied as statement credits, giving users flexibility in how they can utilize their rewards.
Sign-Up Bonus
Upon approval, new cardholders are eligible for a sign-up bonus of $100 after spending $500 in the first three months. This bonus provides an immediate incentive, making the card a lucrative option for new applicants.
APR (Annual Percentage Rate)
The Additional Secured Credit Card offers a competitive regular APR of 18.99%, which is standard for secured cards. Additionally, it features a limited-time introductory offer with 0% APR on purchases for the first 12 months, allowing users to make larger purchases without incurring interest during this period.
Foreign Transaction Fees
For those who travel internationally, its important to note that the card charges a 3% foreign transaction fee. Users planning to use the card abroad should consider this fee when planning their purchases.
Balance Transfer Options
The card does offer balance transfer options with a 0% APR for the first 12 months on balance transfers made within the first 60 days of account opening. This feature is beneficial for users looking to manage existing credit card debt more effectively.
Additional Fees
While the card has a low annual fee, its important to be aware of additional fees. The card incurs late payment fees of up to $35 and a cash advance fee of either $10 or 3% of the transaction amount, whichever is greater. Understanding these fees can help cardholders avoid unexpected costs.
Card Benefits and Perks
Beyond basic functionality, the Additional Secured Credit Card includes valuable benefits such as purchase protection, which covers new purchases against theft or damage for a limited time. Cardholders also gain access to exclusive discounts on travel and entertainment, as well as concierge services to help manage travel arrangements.
Customer Protections and Insurance
Security and peace of mind come easy with the extensive customer protections offered. The card features $0 fraud liability, ensuring that cardholders are not held responsible for unauthorized transactions. Additionally, it provides rental car insurance when the card is used to pay for the rental, adding another layer of security during travels.
Eligibility and Credit Score Requirements
To qualify for the Additional Secured Credit Card, applicants typically need a credit score of at least 580. This makes the card accessible for individuals working to improve their credit standing, although a larger security deposit may be required based on the applicant’s creditworthiness.
Introductory Offers
As previously mentioned, the card provides a compelling introductory offer of 0% APR for the first 12 months on purchases and balance transfers. This advantage encourages new users to apply, especially those who anticipate carrying balances during this period.
Special Features or Unique Selling Points
What sets the Additional Secured Credit Card apart from its competitors is its commitment to helping users build their credit while providing substantial rewards and economic incentives. The cashback rewards for everyday purchases are particularly appealing, along with the opportunity for users to transition to an unsecured card after demonstrating responsible usage.
How to Apply
Applying for the Additional Secured Credit Card is straightforward. Applicants can fill out the application online on the card issuers official website here: ‘>Apply Here of the opportunity to enhance your financial future through responsible credit management.
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