Capital OneCabela's CLUB CardRegistry illustration · issuer artwork unavailable

Cabela's CLUB CardCapital One · N bank, CT · FDIC 4297

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

19.74%–31.24%

great to no score

Balance transfer

—

Cash advance APR

30.99%–31.24%

variable

Annual fee

a year

Foreign fee

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 19.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 30.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 30.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
No credit score	median 31.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	19.74%–31.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	30.99%–31.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	5% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$29, Up to $29.00 for first late fee. Late Fee <= Minimum Payment.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$40Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Credit-Card-Agreement-for-Cabelas-CLUB-Cards-in-Capital-One-N.A.page 1 of 7

Credit Card Agreement for Cabela's CLUB Cards in Capital One, N.A.

There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement . The Pricing Information shows a range of terms that includes both mail and online offers for new accounts available under this Agreement as of March 31, 2026. The combination of terms that could apply to you will differ depending on the specific card offer and on your creditworthiness at the time of application. Not all offers will contain introductory rates. The Customer Agreement contains important information related to consumer credit cards issued by Capital One, N.A. Please visit www.capitalone.com to view our online credit card offers. If you are a current Capital One cardholder, please log in to your account if you would like to request the Credit Card Agreement for your account(s).

CAPITAL ONE PRICING INFORMATION Annual Percentage Rate (APR) for Purchases at Cabela’s and Bass Pro Shops · 9.99%. APR for Other Purchases and Transfers · 19.49% - 30.49%. ThisAPR will vary with the market based on the Prime Rate. APR for Cash Advances · 30.49%. ThisAPR will vary with the market based on the Prime Rate. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances and transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore . Annual Fee · None. Transaction Fees • Transfer • Cash Advance · 3% of the amount of each transferred balance that posts to your account at a promotionalAPR that we may offer you. None for balances transferred at the Transfer APR. Either $5 or 5% of the amount of each cash advance, whichever is greater. Penalty Fees • Late Payment · Up to $40 .

How Do You Calculate My Balance? We use a method called 'average daily balance (including new transactions).' See 'How Do You Calculate The Interest Charge?' section below.

What Are My Billing Rights? Information on your rights to dispute transactions and how to exercise those rights is provided in 'Your Billing Rights Summary' on your Statement and other Truth-in-Lending Disclosures.

THINGS YOU SHOULD KNOW ABOUT THIS CARD

How Do You Calculate My Variable Rates? Your variable rates may change when the Prime Rate changes. We calculate variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December, March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable rates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and October billing periods: Other Purchases and Transfer APR: Prime plus a margin between 12.74 and 23.74%; Cash Advance APR: Prime plus 23.74%. Any increase in the Prime Rate may increase your Interest Charges and your Minimum Payment.

What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Cabela's and Bass Pro Shops Purchases APR is 0.03000%, Other Purchases and Transfer APR between 0.05340% and 0.08353%, and Cash Advance APR is 0.08353%. See 'How Do You Calculate The Interest Charge?' section below.

How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions). Under this method, we first calculate your daily balance; for each segment, 1) take the beginning balance and add in new transactions and the periodic interest charge on the previous day's balance, then 2) subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if you paid your previous month's balance in full (or if your balance was zero or a credit amount), new transactions which post to your purchase or special purchase segments are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances.

Next, to find your Average Daily Balance: 1) add the daily balances together for each segment, and 2) divide the sum by the number of days in the billing cycle.

At the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance by the daily periodic rate (APR divided by 365) for that segment, and 2) multiply the result by the number of days in the billing period.

NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed.

©202 6 Capital One. Capital One is a federally registered service mark. All rights reserved. Products and services offered by Capital One, N.A. Capital One supports information privacy protection: see our website at www.capitalone.com.

1 2 3 4 5 6 7No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Balance Transfer Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR no score, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Additional Fees, Other Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:capital-one-national-association:cabela-s-club-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Capital One
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 4297
Branches: 252 in CT, DC, DE, LA, MD, NJ, NY, TX, VA
Sources: Government dataset · 1 document · 0 pages cited

Documents

Credit-Card-Agreement-for-Cabelas-CLUB-Cards-in-Capital-One-N.A.effective date not parsed

Cabela's CLUB CardCapital One · N bank, CT · FDIC 4297

Rates and fees