The Cabelas Credit Card, provided by Capital One, is tailored specifically for individuals passionate about outdoor sports. This credit card is particularly well-suited for individuals who frequently make purchases at Cabela’s and Bass Pro Shops, offering a rewarding experience for those looking to earn benefits from their regular expenditures.
Cabela’s is a retail establishment that focuses on outdoor recreation merchandise, offering an extensive array of products associated with outdoor activities such as hunting, fishing, camping, boating, and various recreational pursuits.
The inventory at Cabela’s typically encompasses firearms, fishing gear, camping equipment, clothing, footwear, and various outdoor accessories.
Cabela’s has a strong presence in the United States and Canada, with numerous retail locations and a robust online presence
Features and Benefits of Cabelas Credit Card
- Earning Rewards: Individuals holding Cabela’s Credit Card usually accrue CLUB Points for each transaction they make using the card.
- No Annual Fee: There is no annual fee, making it a cost-effective choice for frequent users.
- Mastercard Perks: The card provides diverse Mastercard benefits, including travel and purchase protection, extended warranty, and more.
- Support for Wetlands Conservation: Each purchase made with the card contributes to supporting wetlands conservation.
- Different APRs: The card features varying APRs for different types of purchases, with a reduced APR specifically applicable to transactions made at Cabela’s and Bass Pro Shops.
- Credit Building: The card aids in building credit, as Capital One, the card issuer, reports card activity to all three consumer credit bureaus.
It is important to review the terms and conditions, including interest rates, fees, and any changes to the benefits, before applying for or using Cabela’s Credit Card.
However, one must consider the downsides of the card before applying:
- Restrictions on point redemption solely apply to purchases at Bass Pro Shops or Cabela’s
- Low welcome bonus
- Elevated APR for expenditures beyond the brand
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Can I use Cabelas Credit Card anywhere?
Yes, you can use Cabela’s CLUB Credit card anywhere that accepts Mastercard. However, you will earn only the base earning rate at non-Bass Pro Shops or Cabela’s locations
What is the minimum credit score required to apply for a Cabela’s Credit Card?
fair credit score (above 640) is likely beneficial when applying for Cabela’s Credit Card.
Note that, meeting the minimum credit score requirement does not ensure approval, as credit card issuers also evaluate additional factors such as income, debt-to-income ratio, and credit history.
Eligibility Criteria for Cabela’s Credit Card
The eligibility criteria for the Cabela’s Credit Card encompass the following:
- A credit score of at least 700, denoting good credit or higher.
- Monthly income exceeding expenses.
- Age of 18 or older.
- U.S. citizenship or permanent residency.
- Maintaining a relatively low level of debt.
- Possession of a Social Security Number or an Individual Taxpayer Identification Number.
How to Apply for Cabela’s Credit Card
You can apply for the Cabela’s Credit Card either through the online platform or in person at a Cabela’s or Bass Pro store.
Online:
- Visit the website https://www.capitalone.com/credit-cards/cabelas/?adplacement=301-0-0
- Click on Apply Now.
- Enter your Personal, Contact, and financial information.
- Review and submit your application.
In Person:
To submit your application for the Cabela’s Credit Card in person, visit the Club booth located inside any Cabela’s or Bass Pro store. The person at the desk will assist in processing your application.
Once your account is created, you can log in to manage your account, view your balance, make payments, and more.
Cabelas Customer Service
You can reach Cabela’s Customer Service through the methods listed in the table below.
| Contact Method | Cabela’s |
|---|---|
| Phone: | 1-800-237-4444 |
| Email: | customer.service@cabelas.com |
| Live Chat: | cabelas.com/shop/en/live-chat |
How to check the Cabela’s Credit Card application status?
To check Cabela’s Credit Card application status, you can call Cabela’s Credit Card customer service at 1-800-850-8402.
What is the typical processing time for receiving Cabela’s Credit Card?
Upon successful approval of your application for the Cabela’s Credit Card, you can expect to receive your card by mail within 7-10 days.
What should I do if my Cabela’s Credit Card is lost or misplaced?
You can lock your lost or stolen card by calling Capital One at 1-800-227-4825 and requesting a replacement card.
How to Register Cabela’s Credit Card for online access:
To register your Cabela’s Club Credit Card for online access, follow these steps:
- Visit the Capital One website https://cabelas.capitalone.com/
- Click on the Set Up My Account for new users.
- Enter your Cabela’s Credit Card number in the provided field.
- Fill in the required information your name, date of birth, and Social Security Number.
- Click on Get Started.
- Create a username and password for your online account.
- Set up security features, such as security questions and answers.
- Review and accept the terms and conditions.
- Complete the registration process by following any additional prompts.
As you have successfully Set Up your Cabela’s Credit Card for online access, you can log in to your account using your username and password.
How to Sign In for Cabela’s Credit Card
Once your account is verified and created, you can log in easily through the following steps:
- Visit the Capital One website https://cabelas.capitalone.com/
- Click on the Sign In button.
- Enter your Username and Password.
- Click on Sign In to access the account.
Once you have signed in, you can make payments, view your account balance, and recent transactions, view special offers and access other account-related features.
Online login procedures may change, so it is essential to follow the instructions provided by Capital One to ensure a secure and successful login to your credit card. For any assistance, contact Capital One customer service.
How to reset Username/ Password in Cabela’s Credit Card
To reset your username/ password for Cabela’s Credit Card, follow these steps:
- Visit the Capital One website https://cabelas.capitalone.com/.
- On the Sign In page, click on Forgot Username/Password.
- Provide the details.
- Click on Find Me.
- Enter your email id.
- Check your email id for the verification code.
- Follow the instructions to reset your Username/ Password.
For any assistance, you can call Cabela’s Credit Card customer service.
How to Activate Cabela’s Credit Card
Activating your card promptly upon receipt is crucial to ensure its immediate usability. Before activating the card, it is necessary to establish an online account with the issuer if you have not done so already.
To initiate the activation of your Cabela’s Credit Card, you can proceed as follows:
- Open https://verified.capitalone.com/auth/signin
- Sign In using your credentials.
- Click on Activate New Card under Account Settings.
- Enter the details.
- Click on Activate.
You can activate your new card via phone also. Locate the phone number on the card sticker, the back of the card, or in the accompanying paperwork. Upon calling, follow the provided prompts to complete the activation process.
Cabela’s Credit Card Payment
To make a payment on your Cabela’s Credit Card, you have the following options:
Online Payment:
- Open https://verified.capitalone.com/auth/signin
- Sign In using your credentials.
- Select the Make A Payment button.
- Enter the amount.
- Choose your payment account or add your account and routing numbers to use them for payment.
- Select a date for payment and click on Submit Payment.
Phone Payment:
For phone payment, call Cabela’s credit card customer service at the toll-free number 1-800-850-8402. Make sure to have your credit card number nearby, as you will need to provide it. Follow the automated system for the payment process.
Mail Payment:
- Prepare a check or money order payable to Capital One.
- Write your account number on the check.
- Mail the payment to the address provided on your billing statement.
To ensure timely receipt of your payment, it is recommended that you mail it at least 5 business days before the due date indicated on your monthly billing statement.
In-Store Payment:
You can make Cabela’s credit card payment in person at the Club Booth in U.S. retail stores. Payments can be made using cash or a check.
Cabela’s Credit Card Payments using the Mobile App:
To make a payment using the Cabela’s credit card mobile app, follow these steps:
- Download Cabela’s mobile app on your smartphone’s app store or Google Play and install it.
- Open the mobile app and sign in using your Cabela’s account credentials.
- Navigate to the Make Payment section.
- Choose your payment account or add your account and routing numbers to use them for the payment.
- Select the payment date and submit the payment.
Note that it may take a few business days for your payment to be processed. Making your payment before the due date is recommended to avoid any late fees or penalties.
How can I request an increase to my credit limit on Cabela’s Credit Card?
To raise your Cabela’s credit card limit, apply online or call 1-800-955-7070, ensuring your account is at least 3 months old.
What happens if my Cabela’s Credit Card payment is late?
Late payment on your Cabela’s credit card can lead to various consequences:
- Late Fee: A late fee will be applied if the minimum payment is not made by the due date.
- Increased APR: Late payments may increase your interest rates.
- Credit Score Impact: Late payments affect credit scores, making it difficult to get future loans, credit cards, or financial products.
- Account Closure: Late payments or violations of credit card terms can lead to account closure.
How can I avoid late payments on my Cabela’s credit card?
To prevent late payments on your Cabela’s Credit Card, you can:
- Set up automatic payments
- Create calendar reminders
- Change your payment date
- Monitor your credit card balance
By adhering to these measures, you can reduce late payments and maintain a positive credit standing.
Automatic payments set up for Cabela’s credit card:
Automatic payments ensure timely monthly minimum payments, mitigating the risk of late fees and potential harm to your credit score.
For AutoPay setup:
- Click on the link https://verified.capitalone.com/auth/signin.
- Sign in to your account using your credentials.
- On your account page, select Set up AutoPay.
- Follow the provided steps to establish AutoPay.
For AutoPay edits or cancellations:
- Open the Capital One sign-in page https://verified.capitalone.com/auth/signin.
- Sign in to your account using your credentials.
- On your account page, click I want to… and then choose Manage AutoPay series.
- Select Cancel AutoPay and proceed to set up a new series.
Note: Once payments are in the processing stage, they cannot be cancelled.
For any difficulties or inquiries regarding this process, feel free to contact Capital One customer service.
When will my Cabela’s credit card automatic payments begin?
Automatic payments will commence within 1 to 2 billing cycles, starting on your payment due date.
Can I pay my Cabela’s credit card bill in advance to avoid late payments?
Yes. Making early payments or paying your Cabela’s credit card bill in advance is a smart strategy to avoid late fees and lower your credit utilization.
Cabela’s Credit Card Complaints
To file a complaint about your Cabela’s credit card, you can follow these steps:
- Contact Customer Service: Call the customer service number on the back of your Cabela’s credit card, explain your issue, and express your intention to file a complaint.
- Speak to a Supervisor: If the initial representative cannot resolve your complaint, politely request to speak to a supervisor for additional assistance.
- Document the Complaint: Record complaint details, including dates, times, representative names, and relevant information for escalation.
- Send a Written Complaint: If the issue persists, write a formal complaint letter with details and supporting documentation. Mail it to the address on your credit card statement or Cabela’s website.
- Contact the Issuing Bank: If unsatisfied, contact the issuing bank, Capital One, for further resolution.
- File Complaints with Regulatory Agencies: If the complaint remains unresolved, file a complaint with regulatory agencies like the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC) for investigation.
Ensure you stay calm and courteous during the process, clearly articulate the issue, and express your desired resolution. The likelihood of a satisfactory outcome can be increased by providing all necessary information and maintaining persistence.
Cabela’s Mobile App:
The Cabela’s mobile app enhances the outdoor shopping experience with a range of features, including:
- Shopping for a diverse selection of outdoor products.
- Accessing exclusive club pricing and making purchases with club points.
- Checking local store inventory.
- Scanning catalogues and barcodes for quick product information.
- Viewing high-definition inventory photographs.
- Tracking and managing CLUB Points.
- Accessing daily coupon codes and promo codes for discounts.
Available for download on the Apple App Store, Google Play, and Amazon, the app is compatible with both iOS and Android devices.
Complementing the mobile app, Cabela’s offers a credit card, allowing users to accumulate points for free gear and outdoor experiences.