Uncovering the Truth About Cabela's Club Credit Card: Is It Worth the Hype?

Are you a hunting, fishing, or outdoor enthusiast looking for a credit card that rewards you for your passions? Look no further than the Cabela's Club Credit Card. With its impressive rewards structure, exclusive benefits, and long-term interest rates, it's no wonder this card has garnered attention from outdoor enthusiasts nationwide. But is it worth the hype? In this comprehensive review, we'll delve into the details of the Cabela's Club Credit Card, exploring its benefits, drawbacks, and overall value to help you decide if it's right for you.

The Cabela's Club Credit Card is a popular choice among outdoor enthusiasts, but what sets it apart from other credit cards on the market? For starters, it's affiliated with Cabela's, one of the largest outdoor retailers in the United States. This affiliation means that cardholders can enjoy exclusive benefits, such as 10% off all purchases at Cabela's stores and online, plus an additional 5% off on select purchases.

Key Benefits of the Cabela's Club Credit Card

Rewards Structure

The Cabela's Club Credit Card offers a rewards structure that's tailored to outdoor enthusiasts. With no rotating categories or spending limits, cardholders can earn 5% cash back on up to $5,000 in combined purchases at participating retailers, including Cabela's, Bass Pro Shops, and other select merchants. Additionally, the card offers 3% cash back on gas and 2% cash back on all other purchases.

• Some of the most significant rewards categories are in the outdoor industry
• Cardholders can earn 5% cash back on up to $5,000 in combined purchases at participating retailers
• No rotating categories or spending limits mean more flexibility and predictability

Exclusive Benefits

The Cabela's Club Credit Card comes with a range of exclusive benefits that make it an attractive option for outdoor enthusiasts. These benefits include:

10% Off All Purchases at Cabela's

Cardholders can enjoy 10% off all purchases at Cabela's stores and online, making it an excellent choice for those who frequent the retailer. This benefit is exclusive to Cabela's Club Credit Card holders and is not available on other credit cards.

• Exclusive benefits at Cabela's, including 10% off all purchases
• No minimum purchase requirement or expiration dates on these benefits

Free Shipping

Cardholders can enjoy free shipping on all purchases at participating retailers, including Cabela's and Bass Pro Shops. This benefit is perfect for those who frequently purchase gear online.

• Free shipping on all purchases at participating retailers
• No minimum purchase requirement or expiration dates on these benefits

Purchase Protection

The Cabela's Club Credit Card offers purchase protection, which provides coverage in case of theft, loss, or damage to purchased items. This benefit is particularly useful for outdoor enthusiasts who invest in high-end gear.

• Purchase protection coverage up to 90 days after purchase
• Covers damage or loss due to theft or natural disasters

Drawbacks of the Cabela's Club Credit Card

High Annual Fee

The Cabela's Club Credit Card comes with a $75 annual fee, which may be a significant drawback for some cardholders. However, the benefits and rewards offered by the card can help offset the cost of the annual fee.

• $75 annual fee, which may be a barrier for some cardholders
• Some cardholders may not find the benefits and rewards to be worth the annual fee

Limited Travel Benefits

While the Cabela's Club Credit Card offers some travel-related benefits, such as travel insurance and trip cancellation insurance, it may not be the best choice for those who frequently travel.

Travel Insurance

The Cabela's Club Credit Card offers travel insurance, which provides coverage in case of trip cancellations, interruptions, or delays.

• Travel insurance coverage up to $10,000 per person per trip
• Covers trip cancellations, interruptions, or delays due to unforeseen circumstances

No Airport Lounge Access

Unlike some other credit cards, the Cabela's Club Credit Card does not offer airport lounge access. This may be a drawback for some cardholders who frequently travel.

• No airport lounge access, which may be a disadvantage for frequent travelers

Comparison to Other Credit Cards

The Cabela's Club Credit Card is a unique credit card that offers benefits and rewards tailored to outdoor enthusiasts. However, it's essential to compare it to other credit cards on the market to determine whether it's the best choice for your needs.

Cabela's Visa Signature Card

The Cabela's Visa Signature Card is another credit card offered by Cabela's, but it has a more comprehensive rewards structure and higher credit limits.

Higher Credit Limits

The Cabela's Visa Signature Card offers higher credit limits, which can be beneficial for those who need to make large purchases.

• Higher credit limits, up to $10,000
• Some cardholders may find the rewards structure and benefits to be more comprehensive

Lower Annual Fee

The Cabela's Visa Signature Card has a lower annual fee, at $50, which may be a more attractive option for some cardholders.

• Lower annual fee, at $50
• Some cardholders may find the rewards structure and benefits to be more comprehensive

Conclusion

The Cabela's Club Credit Card is a solid choice for outdoor enthusiasts who are looking for a credit card that rewards them for their passions. With its impressive rewards structure, exclusive benefits, and long-term interest rates, it's an excellent option for those who frequently make purchases at participating retailers. However, it's essential to weigh the benefits and drawbacks of the card, including the high annual fee and limited travel benefits. By comparing the Cabela's Club Credit Card to other credit cards on the market, you can determine whether it's the