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Outdoorsy peeps

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Contributor

Outdoorsy peeps

Why no love for the Cabela's card, I think 9.99% is great for items bearing their Brand. I don't see much about it here.  

Regular rates start as 15.99%

not much as far a rewards go. 

Message 1 of 20
19 REPLIES 19
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Community Leader
Valued Contributor

Re: Outdoorsy peeps


@Howaboutthat wrote:

Why no love for the Cabela's card, I think 9.99% is great for items bearing their Brand. I don't see much about it here.  

Regular rates start as 15.99%

not much as far a rewards go. 


2% back at Cabela's, 1% back on restaurants, groceries, and gas.  I feel it is not popular because the rewards are terrible.  If you pay in full, the APR is irrelevant so the 9.99% really isn't a factor that I would consider before applying. 

 

 FICO 8
Message 2 of 20
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Community Leader
Senior Contributor

Re: Outdoorsy peeps

Unless you're an avid Cabbala's shopper, card rewards have nothing enticing. Certainly not for a Cap One 3 HP.

My goal for 2021 is not credit related, but to be more mindful, patient, compassionate and understanding. You must be the change you want to see in the world.
Message 3 of 20
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Valued Contributor

Re: Outdoorsy peeps


@Overmedicated wrote:

@Howaboutthat wrote:

Why no love for the Cabela's card, I think 9.99% is great for items bearing their Brand. I don't see much about it here.  

Regular rates start as 15.99%

not much as far a rewards go. 


2% back at Cabela's, 1% back on restaurants, groceries, and gas.  I feel it is not popular because the rewards are terrible.  If you pay in full, the APR is irrelevant so the 9.99% really isn't a factor that I would consider before applying. 

 


+100

Any 2% card beats it, heck 1.5% cards beat it unless you spend a ton in store

Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 4 of 20
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Contributor

Re: Outdoorsy peeps

It's been said that roughly only 20% of all cardholders pay in full every month. ( I got that directly from this site) so 9.99% is a good on Cabelas branded products for the rest of us. Most card holders carry a balance if that article is true. I'm not speaking about the 2% rewards. 

Message 5 of 20
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Contributor

Re: Outdoorsy peeps


@blindambition wrote:

Unless you're an avid Cabbala's shopper, card rewards have nothing enticing. Certainly not for a Cap One 3 HP.

I do like Cabela's branded product, my card converted to Capital One

Message 6 of 20
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Super Contributor

Re: Outdoorsy peeps

I used to love using Citi cards at REI.

 

Shop in person, get great assistance, pay full retail at checkout...then find the stuff online for maybe 30% less and submit price rewind claims.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
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Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 7 of 20
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Regular Contributor

Re: Outdoorsy peeps


@wasCB14 wrote:

I used to love using Citi cards at REI.

 

Shop in person, get great assistance, pay full retail at checkout...then find the stuff online for maybe 30% less and submit price rewind claims.


and this is why we couldn't have nice things lol.

Message 8 of 20
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Moderator

Re: Outdoorsy peeps

My Cabela's gets little to no use at all. Really only hang on to it because I've had it so long. I got the card when it was still being issued by World’s Foremost Bank. They were another one who wanted to do an HP for an increase.

I asked for an increase once after it was sold to CapOne and still game up with nothing. Now it sits and gets an occasional swipe for activity.
Message 9 of 20
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Community Leader
Mega Contributor

Re: Outdoorsy peeps


@Howaboutthat wrote:

It's been said that roughly only 20% of all cardholders pay in full every month. ( I got that directly from this site) so 9.99% is a good on Cabelas branded products for the rest of us. Most card holders carry a balance if that article is true. I'm not speaking about the 2% rewards. 


Bring up a credit card on myFico, mention the apr  then ask why its not popular you are bound to get its rewards value mentioned and compared. Most people here want cc for its value to their spend not just to have.  Im a hybridSmiley Wink

Message 10 of 20
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