Our illustration in the card’s colours, not its design
Capital One credit card
Cabela's CLUB Credit Card
- Bonus up · 60 to 75 · Nov 1, 2026
- APR up · 9.99% to 19.74% · Nov 1, 2026
No annual fee. 75 CLUB Points welcome bonus. Purchase APR 19.74–31.24%.
Checked Nov 8, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 8, 2026
Issuer's page · capitalone.com
“Earn up to $75 in CLUB Points for FREE GEAR!”
- Annual fee
- Receipt · Annual feeChecked Nov 8, 2026
Issuer's page · capitalone.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Receipt · Purchase APRChecked Nov 8, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 8, 2026
Issuer's page · capitalone.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Capital One’s terms
Welcome offer
75 Points
$25 upon approval; $25 more after 5 purchases anywhere Mastercard is accepted within 30 days of account approval; another $25 after 5 more purchases in the same timeframe.
Up to $75 in CLUB Points. Available by clicking Apply Now on the product page; may not be available if the page is navigated away from or closed. Existing or previous cardmembers are not eligible if they received a new cardmember bonus for this product in the past 48 months.
- The highest we’ve seen on this card: above every earlier offer (most recently 60 CLUB Points until 2026-11-01).
Who can get it: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.
“Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; rewards spendable only with Cabela's CLUB: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; rewards spendable only with Cabela's CLUB: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢; rewards spendable only with Cabela's CLUB: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢; rewards spendable only with Cabela's CLUB: not counted (brand_rewards).
Use your own spending
Estimates from the published terms above, as checked Nov 8, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$610 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$600 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$600 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Cabela's CLUB
How you earn
- 5%
- Bass Pro Shops and Cabela’s purchases for CLUB Members with Black status; $25,000 annual spend requirement
- 3%
- Bass Pro Shops and Cabela’s purchases for CLUB Members with Silver status; $10,000 annual spend requirement
- 2%
- Bass Pro Shops and Cabela’s purchases for CLUB Members with Classic status
- 1%
- Everything else
Cash back, as a share of each purchase. “What it’s worth” values a point at an assumed 1¢.
Benefits
- CLUB Silver status after $10,000 annual spend; earns 3% back in CLUB Points at Bass Pro Shops and Cabela’s.
- CLUB Black status after $25,000 annual spend; earns 5% back in CLUB Points at Bass Pro Shops and Cabela’s.
- Exclusive access to world-class hunting and fishing experiences around the world.
- In-store events, extra point offerings and discounts, exclusive CLUB Member pricing, and giveaways.
- Price Match feature: for CLUB Members, Bass Pro Shops and Cabela’s will beat a qualifying local retailer or website price by 5%.
All 9 benefits
- No foreign transaction fees.
- CLUB Points are redeemable at Bass Pro Shops and Cabela’s for merchandise, including boats and ATVs.
- $0 annual fee.
- Price protection
Changes
- Nov 1, 2026 Bonus 60 to 75
- Nov 1, 2026 APR 9.99% to 19.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 8, 2026 Issuer's page · capitalone.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 8, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 8, 2026 Issuer's page · capitalone.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- Credit the issuer asks for: Good-Excellent (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.
Questions
- What is the annual fee?
- No annual fee · capitalone.com, since Nov 1, 2026
- Does it charge a foreign transaction fee?
- Yes: Never charged. · capitalone.com, since Nov 1, 2026
- What is the purchase APR?
- 19.74–31.24% APR · Reported to the CFPB, Dec 31, 2025, since Nov 1, 2026
- Is there a welcome bonus?
- 75 CLUB Points after $25 in purchases. · capitalone.com, since Nov 1, 2026
- What credit do you need?
- Good-Excellent · capitalone.com, since Sep 29, 2026