Where to find the Cabela's credit card login
The Cabela's credit card is issued by Synchrony Bank, not by Cabela's itself. This means your online account lives on Synchrony's website, not on Cabela's.com. To reach your account, go to mysynchrony.com and enter your username and password there. You are not logging into Cabela's — you are logging into the bank that holds your card.
If you have never set up an online account before, you will need to register first. On the Synchrony login page, look for a link that says "Enroll Now" or "Create Account" and follow the steps to set up your username and password. You will need your card number and Social Security number to register.
Synchrony also has a mobile app called the Synchrony Mobile App, available on iOS and Android. You can log in there with the same username and password you use on the website.
Key Takeaways
- Your Cabela's credit card account is managed by Synchrony Bank, so you log in at mysynchrony.com, not on Cabela's website.
- First-time users must register for an online account using their card number and Social Security number before they can check their balance or make payments.
- You can view your account on the Synchrony website or through the Synchrony Mobile App using the same login credentials.
- Once logged in, you can pay your bill, view your statement, set up automatic payments, and check your available credit.
What you can do once you are logged in
After you log into your Synchrony account, you can see your current balance, available credit, and recent transactions. You can also view your full statement for any month and read or print it if you need a record.
The account dashboard lets you make a one-time payment to your card right away. You can pay from a bank account or with a debit card. Synchrony also lets you set up automatic monthly payments so you do not have to log in every month — you can choose to pay your full balance, a fixed amount, or just the minimum payment.
If you have questions about a specific charge or think there is an error on your bill, you can dispute it through your online account or call the customer service number on the back of your card.
Troubleshooting a forgotten username or password
If you forget your username, go to mysynchrony.com and click "Forgot Username?" on the login page. Synchrony will ask you to verify your identity using your card number and Social Security number, then send your username to the email address on file.
If you forget your password, click "Forgot Password?" instead. You will go through a similar verification process, and Synchrony will send you a link to create a new password. That link usually works for 24 hours, so do not wait to use it.
If you cannot remember the email address you used to register, or if you are having trouble verifying your identity online, call the customer service number on the back of your Cabela's card. A representative can help you regain access to your account.
Setting up two-factor authentication for security
Synchrony offers two-factor authentication as an extra layer of security for your account. Once you log in, you can go to your account settings and turn on this feature. When it is on, Synchrony will send you a code by text or email every time you log in from a new device or browser, and you will have to enter that code to complete the login.
Two-factor authentication takes an extra 30 seconds but makes it much harder for someone else to access your account if they somehow get your password. If you use the same password on multiple websites, this step is especially worth doing.
Paying your bill through Synchrony
You have three main ways to pay your Cabela's credit card bill. The fastest is to log into your Synchrony account and pay online — the payment usually shows up within one business day. You can also call the number on the back of your card and pay over the phone with a representative. The third option is to mail a check to the address shown on your statement, though mailed payments take 7 to 10 days to reach Synchrony and post to your account.
If you set up automatic payments, Synchrony will pull money from your bank account on the date you choose each month. Make sure you have enough money in that account on payment day, or the payment will fail and you may be charged a fee.
Your payment due date is listed on your statement and in your online account. Paying at least the minimum by that date keeps you from being late. Paying your full balance by the due date means you will not be charged interest on new purchases.
Understanding your statement and credit limit
Your Synchrony account shows you several numbers that matter. Your current balance is what you owe right now. Your available credit is how much you can still spend. Your credit limit is the total amount Synchrony has let you borrow — your available credit plus your current balance should equal your credit limit.
Your statement lists every purchase, payment, and fee from the past month. It also shows your interest rate (called the APR, or annual percentage rate), your minimum payment due, and your due date. If you carry a balance from month to month, you will be charged interest on that balance at the APR shown on your statement.
You can read or print any statement from the past 24 months through your online account. This is useful if you need proof of a purchase or if you are tracking your spending.
Frequently Asked Questions
Is the Cabela's credit card login the same as my Cabela's shopping account login?
No. Your Cabela's shopping account (for ordering from Cabela's.com) is separate from your credit card account. The credit card account is managed by Synchrony Bank at mysynchrony.com. You will need different usernames and passwords for each one.
What should I do if I see a charge on my statement that I did not make?
Log into your Synchrony account and look for a "Dispute" or "Report Fraud" option, usually found near the transaction in question. You can also call the number on the back of your card and speak to a representative. Synchrony will investigate the charge and may issue a temporary credit while they look into it.
Can I change my credit limit through my online account?
You can request a credit limit increase or decrease through your Synchrony account, but Synchrony makes the final decision. A request to increase your limit may trigger a hard inquiry into your credit, which can temporarily lower your credit score. You can also call customer service to request a change.
What happens if I miss a payment?
If your payment is more than 30 days late, Synchrony will report it to the credit bureaus, which will hurt your credit score. You may also be charged a late fee. The sooner you pay, the better — even a few days late is better than waiting weeks. If you are having trouble making a payment, call Synchrony to discuss your options.
Can I use my Cabela's card at stores other than Cabela's?
Yes. The Cabela's credit card is a Visa card, so you can use it anywhere Visa is accepted. However, you may earn rewards points only on purchases made at Cabela's or through Cabela's.com, depending on the terms of your card. Check your statement or account for details on how rewards work.