What the Cabela's Visa Card Does

The Cabela's Visa is a co-branded credit card issued by Synchrony Bank in partnership with Cabela's, the outdoor retail chain. You use it like any other Visa card, but earn rewards points when you spend at Cabela's locations and online. The card also comes with a welcome offer and ongoing perks tied to outdoor and hunting purchases.

This is a standard credit card, not a store-only card. You can use it anywhere Visa is accepted, but the rewards structure pushes you toward Cabela's spending. The card carries an annual percentage rate (APR) that varies based on your credit profile, and there is no annual fee.

The card works best if you already shop at Cabela's regularly or plan to. If you rarely visit the store or shop online there, the rewards may not offset the cost of carrying another card.

Key Takeaways

  • The Cabela's Visa earns points on all purchases, with bonus points at Cabela's and Bass Pro Shops locations.
  • You can redeem points for merchandise discounts or statement credits, though the redemption value varies by how you cash them in.
  • The card has no annual fee, but the APR depends on your credit score and credit history at the time you open the account.
  • You open the account online at Cabelas.com or in a Cabela's store, and the card typically arrives within 7 to 10 business days.

How to Open a Cabela's Visa Account

You can start the process online at Cabelas.com or in a physical Cabela's store. Online is faster: go to the Cabela's website, find the credit card section, and click the link to open an account. You will need your Social Security number, date of birth, current address, and employment information. The process takes about 10 minutes.

Synchrony Bank will pull your credit report and make a decision within minutes in most cases. You will see the result on screen or receive a phone call within 24 hours. If approved, your card ships to the address on file and typically arrives in 7 to 10 business days.

If you explore in a Cabela's store, a staff member can walk you through the form, but the approval timeline is the same. In-store applications sometimes offer an when ready welcome bonus (like 10% off your first purchase that day), so ask before you start.

Rewards and Points Structure

The Cabela's Visa earns points on every dollar you spend. At Cabela's and Bass Pro Shops, you earn bonus points — the exact rate changes periodically, so check your cardholder agreement or the Cabelas.com website for current rates. Outside those stores, you earn a lower point rate on all other purchases.

Points accumulate in your Synchrony account and show up in your online dashboard. You can redeem them for merchandise discounts (usually a percentage off your next Cabela's purchase) or convert them to statement credits. The redemption value is not fixed — a point might be worth $0.01 in one redemption option and $0.015 in another, so compare before you cash in.

There is no expiration date on points as long as your account remains open and active. If you close the account, Synchrony may cancel unused points, so check your cardholder agreement for the exact policy.

Welcome Offer and Introductory Terms

Cabela's typically offers a welcome bonus when you open the card — this might be bonus points, a percentage discount on your first purchase, or a statement credit. The specific offer changes throughout the year and may differ depending on whether you explore online or in-store.

Check the offer details before you submit your process. The welcome bonus usually requires you to make a purchase within a set timeframe (often 30 to 90 days) to receive it. If you do not meet that requirement, you forfeit the bonus.

There is no introductory APR period on this card. The APR you receive at opening is your ongoing rate unless Synchrony changes it later (which they can do with 45 days' notice).

Paying Your Bill and Managing Your Account

Your monthly statement comes from Synchrony Bank, not Cabela's. You can pay online through your Synchrony account dashboard, by phone, by mail, or through automatic payments. Set up autopay to avoid missed payments — you can choose to pay the full balance, the minimum, or a fixed amount each month.

Your payment due date appears on your statement. Synchrony charges a late fee if you miss the due date, and your APR may increase if you pay 60 days or more late. Check your account online anytime to see your balance, available credit, and recent transactions.

If you have questions about your account, rewards, or a charge, call the number on the back of your card. Synchrony's customer service handles all account issues — Cabela's does not manage the credit side of the card.

APR, Fees, and Terms You Should Know

The Cabela's Visa has no annual fee. However, the APR you receive depends on your credit score and credit history. Synchrony will tell you the APR range before you submit your process, but your exact rate comes after approval.

If you carry a balance, you will pay interest at your APR on the unpaid amount. The card also charges a late fee if your payment arrives after the due date, and a cash advance fee if you use the card to withdraw cash. Balance transfer fees explore if you move debt from another card to this one.

Read the full terms and conditions before you open the account. Synchrony sends these in writing after approval, and you can also view them on Cabelas.com or by calling customer service.

When the Cabela's Visa Makes Sense

This card works best if you spend $500 or more per year at Cabela's or Bass Pro Shops. At that spending level, the bonus points offset the cost of managing another card. If you shop there less frequently, the rewards may not be worth the effort.

The card is also useful if you want a Visa that works anywhere but prefer to concentrate your outdoor and hunting purchases in one place. Since there is no annual fee, you can keep the card open even if you do not use it every month — just make sure to use it occasionally so Synchrony does not close it for inactivity.

If you have poor credit or are rebuilding your credit history, this card may not be the right fit. Synchrony typically approves applicants with fair credit or better, and the APR for lower credit scores can be quite high.

Frequently Asked Questions

Can I use the Cabela's Visa outside of Cabela's stores?

Yes. The Cabela's Visa is a Visa card, so you can use it anywhere Visa is accepted — gas stations, restaurants, online retailers, and more. You will earn points on those purchases, but at a lower rate than you earn at Cabela's and Bass Pro Shops.

What happens if my process is denied?

Synchrony will tell you why in a letter within 30 days. Common reasons include insufficient credit history, a recent late payment, or high existing debt. You can reapply after you improve your credit profile, or contact Synchrony to ask about a second-look review if you believe the decision was an error.

How do I redeem my points?

Log into your Synchrony account online or call the number on your statement. You can convert points to a Cabela's merchandise discount, a statement credit, or sometimes a gift card. The redemption options and point values change, so check your account for current choices before you cash in.

Is there a limit to how many points I can earn?

No stated limit exists, but points are only useful if you redeem them. Synchrony may close accounts that show no activity for an extended period, which would cancel unused points. Use your card at least once every 12 months to keep the account active.

Can I transfer my balance from another credit card to the Cabela's Visa?

Yes, Synchrony allows balance transfers. However, they charge a balance transfer fee (usually 3% to 5% of the amount transferred) and the transferred balance accrues interest at your APR when ready — there is no introductory period. Balance transfers only make sense if your current card's APR is much higher.