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A Cabela's credit card is a retail store card tied to the outdoor sporting goods retailer. Like most store cards, it's designed to encourage repeat purchases at Cabela's and its parent company Bass Pro Shops through rewards, promotional financing, or exclusive member benefits. Understanding how it works—and whether it fits your financial situation—requires looking at how store cards function and what trade-offs they involve.
A store card is a closed-loop credit card, meaning you can use it primarily (or exclusively) at Cabela's and affiliated retailers rather than anywhere a standard Visa or Mastercard is accepted. When you apply, the issuer reviews your credit profile and decides whether to approve you and what credit limit to offer.
Store cards come with their own interest rates, fees, and terms separate from any personal credit cards you hold. Your payment history on a store card reports to credit bureaus just like other credit accounts, so responsible use can help your credit profile—but missed payments can damage it the same way.
Store cards often offer category-based rewards, bonus points on purchases, or exclusive sale events for cardholders. Some provide special financing offers (like deferred interest periods) on larger purchases. The specific benefits, earning rates, and conditions vary and change over time, so checking the current terms directly is essential before applying.
Your approval odds and credit limit depend on your credit score, income, debt levels, and payment history. Store cards sometimes approve applicants with lower or less established credit than traditional cards might, but this varies.
Store card interest rates typically run higher than standard credit cards. They're also usually non-variable within your agreement, though the rate you're offered depends on your creditworthiness.
Some store cards charge annual fees; others don't. This is always spelled out in the terms and should factor into your decision, especially if you don't plan to use the card regularly.
Your spending habits: If you rarely shop at Cabela's, rewards won't offset the card's limitations (limited acceptance, higher rates). If you're a frequent customer, the math might work differently.
Your credit profile: A store card might be easier to obtain if your credit is newer or lower-scored, but opening a new account temporarily reduces your average account age and adds a hard inquiry—both small, temporary credit score impacts.
Your existing debt: Adding another card makes sense only if you can pay the balance in full monthly. Carrying a balance on a higher-rate store card typically costs more than alternatives.
Your payment discipline: Store cards reward reliable payers with better terms and offers. If you've struggled with credit card debt in the past, the higher rates make store cards riskier.
| Factor | Store Card | General Credit Card |
|---|---|---|
| Where you use it | Cabela's and affiliated stores | Accepted almost everywhere |
| Interest rates | Usually higher | Typically lower |
| Rewards | Category-specific (outdoor/sporting goods) | Broader categories or flat rate |
| Approval ease | Sometimes easier | Varies widely |
| Credit impact | Same as any card (helps or hurts) | Same as any card |
Store cards aren't inherently "good" or "bad"—they're tools that work well for some situations and poorly for others. A frequent Cabela's shopper with discipline and an existing solid credit history may find real value. Someone who shops there occasionally or carries balances typically wouldn't.
Review the current terms, compare them honestly against your spending and habits, and decide based on your actual situation—not the rewards promise alone.
