Where to send your Cabela's card payment
Cabela's credit card payments go to Cabela's Mastercard, which is issued by Capital One. You can pay online through your account, by phone, by mail, or in person at a Cabela's store. The fastest route is online — you can set up a one-time payment or recurring automatic payments through the Capital One website or mobile app.
To pay online, log into your account at capitalone.com or use the Capital One mobile app. You'll need your card number and online login credentials. If you don't have an online account yet, you can create one on the Capital One website using your card number and Social Security number.
If you prefer not to pay online, you can call Capital One's customer service line at the number on the back of your card. A representative can process a payment over the phone using your bank account or debit card. Phone payments typically post within one business day.
Key Takeaways
- Cabela's Mastercard payments are processed by Capital One, not by Cabela's directly, so you pay through Capital One's website, app, or phone line.
- Online payments through Capital One usually post within one business day, while mail payments take five to seven business days depending on when they arrive.
- You can set up automatic monthly payments so your bill is paid on the same day each month, which helps avoid late fees.
- Paying at least the minimum by the due date shown on your statement keeps your account in good standing and protects your credit score.
Paying by mail or at a store
If you pay by mail, send your payment to the address printed on your monthly statement. Mail payments typically take five to seven business days to reach Capital One and post to your account, so send your payment at least a week before your due date to avoid a late fee. Include your account number on the check or money order.
You can also pay in person at any Cabela's retail location. Walk into the store and ask for the customer service desk. They can process a payment using a debit card, credit card, or check. In-store payments usually post to your account within one to two business days.
Setting up automatic payments
Automatic payments remove the risk of forgetting your due date. Log into your Capital One account online or in the app, go to the payments section, and select "Set up automatic payments." You'll choose the payment amount (minimum payment, statement balance, or a custom amount), the day of the month you want it paid, and your bank account for the funds to come from.
Automatic payments post on the date you choose, so pick a day after you normally receive income. If you choose the 1st of the month but get paid on the 15th, your bank may decline the payment for insufficient funds. You can change or cancel automatic payments anytime through your account.
Understanding your due date and grace period
Your payment due date appears on your monthly statement. Capital One gives you at least 21 days from the statement closing date to pay without a late fee. If you pay only the minimum amount due by the due date, you won't be charged a late fee, but you will owe interest on the remaining balance.
If you pay the full statement balance by the due date, you typically won't owe any interest on purchases made during that billing cycle — this is called the grace period. The grace period applies only if you paid your previous month's balance in full. If you carry a balance, interest starts accruing when ready on new purchases.
What happens if you miss a payment
A payment is considered late if it arrives after your due date. Capital One may charge a late fee, which ranges depending on your account history and state law. A late payment also appears on your credit report and can lower your credit score.
If you miss a payment, contact Capital One as soon as possible. Explain what happened and ask whether they can waive the late fee — many issuers will do this once if you have a good payment history. The sooner you pay, the less damage to your credit score. A payment 30 days late has a bigger impact than one that's 15 days late.
Paying more than the minimum
Paying more than the minimum amount due reduces your balance faster and saves you money on interest. If your statement balance is $500 and the minimum payment is $25, paying $100 instead means you'll pay off the card in months rather than years, and you'll owe far less in interest charges.
You can make multiple payments in a single month if you want to pay down your balance faster. Some people pay a portion of their bill when they get paid, then pay the rest before the due date. There's no penalty for paying early or paying more than once per month.
Frequently Asked Questions
How long does it take for a payment to show up in my account?
Online and phone payments usually post within one business day. Mail payments take five to seven business days depending on postal delivery. In-store payments at Cabela's typically post within one to two business days. The due date on your statement is what matters for avoiding late fees, so send payments early if you're using mail.
Can I pay my Cabela's card at a Cabela's store?
Yes. Go to the customer service desk at any Cabela's location and tell them you want to make a credit card payment. They can process payment by debit card, credit card, or check. This is convenient if you're already shopping, but online or phone payment is faster if you're paying from home.
What if I don't have online access or a phone?
You can pay by mail or in person at a Cabela's store. Mail your payment to the address on your statement at least a week before your due date. If you need to speak to someone, call the number on the back of your card from any phone, and a representative can help you set up a payment over the phone.
Will paying early hurt my credit score?
No. Paying early or paying more than the minimum helps your credit score by lowering your credit utilization ratio — the amount of your credit limit you're using. Paying on time every month is one of the biggest factors in your credit score, so early payments only help.
Can I set up automatic payments for just part of my balance?
Yes. When you set up automatic payments, you can choose to pay the minimum amount, the full statement balance, or a custom dollar amount each month. Many people set automatic payments for the full balance so they never carry interest, or for a fixed amount if they prefer to control how much they pay each month.