Cabela’s CLUB Card review

• Updated •2 min read
This date may not reflect recent changes in individual terms.

In a Nutshell

You might have savings in your sights, but the Cabela’s CLUB Mastercard® couldn’t hit the broad side of that barn. The card’s rewards are underwhelming, its various tiers of interest rates can be confusing, and the lack of clarity surrounding some of the card’s key features is disturbing. You can also earn rewards at Cabela’s without signing up for the credit card, so it’s not your only option for getting many of this outdoor recreation store’s benefits.
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Consider the Cabela’s Outdoor Rewards program instead

The Cabela’s CLUB Card isn’t your only opportunity to save on Cabela’s purchases. By joining the Cabela’s Outdoor Rewards program instead of applying for a Cabela’s credit card, you might be able to save even more money overall on your purchases.

Your rewards card isn’t a credit card or any other form of payment, but many of its features match those of the Cabela’s CLUB Card. Here’s a rundown of how it works.

  • You’ll still earn two points for every $1 you spend on Cabela’s purchases, just like you would with the credit card.
  • By paying for your purchase with another credit card, you could earn cash back or rewards from a separate rewards program, in addition to the rewards points you earn with Cabela’s Outdoor Rewards. It’s like double-dipping in the rewards pool.

More importantly, you may benefit more financially by not adding another credit card to your wallet. Store credit cards can be risky, and they’re sometimes worth it if the rewards can save you a lot of money. But if you can achieve those savings through the store’s dedicated rewards program, what’s the benefit of applying for the in-store card, too?

Who this card is good for

We can’t even recommend the Cabela’s CLUB Card to people who frequently shop at the outdoors store, because you may be able to earn more by participating in Cabela’s Outdoor Rewards program and using another credit card.

The Cabela’s CLUB Card is riddled with confusing or vague terms and explanations for things like whether you’ll qualify for elite status and how special-financing offers work. We look at credit card agreements every day and still couldn’t figure out some of this card’s terms. You’re probably better off playing it safe and looking for another option.