The US Bank Cash Bonus Visa Check Card is a rewards card that earns you money for purchases at Cabela's outdoor, hunting and fishing retailer. You earn points for purchases at any merchant, and redeem them for Cabela's gift cards. Purchases are deducted from your checking account and there is no annual cost.
They corral you at the door every time you walk in the place. You can turn away or try to sneak past their gantlet, but then they stalk like a trophy buck not wanting to let the big one get away. After you sign up they play games like increasing their rates when you pay off big chunks of your bill or completely pay it off. And I thought baiting was an illegal and unethical hunting technique for bucks, apparently not for Cabelas. I sure would not want to be around when the warden (your wife) sees what you have signed up for and the interest rates they nailed this big buck with.
In early 2008 I began using the Cabela' Visa card. The rate was 7.99% for general purchases other than Cabelas. It is now 15.99%
My credit score is in the 700's and I have never missed a payment. According to the Visa staff, my account is in good standings.
I am canceling my card and will not purchase any more Cabela items.
Though I love shopping at Cabela's, this card should not be selected simply for the rewards. Although it sounds good in theory to get free gift cards to the store for purchasing on this card, the return really isn't that great. I would choose a basic cash-back card before this one, as the ability to only spend at one store is a minus. Other than the rewards part, though, this has been a good card to have. The company is easy to deal with.
I have had this cabelas card for a year and charged once on it in November, I payed a big lump sum payment in december and they dropped my available credit in half! I called with no help from the company of an explanantion for this. I guess this is their way of saying to me to pay this card off and go somewhere else for my business. They lost my business I will be shopping somewhere else.
This credit card company is horrible. Out of 5 credit card companies they were the only company that was not willing to work with me when I fell behind on payments. Then when I accepted the settlement that was offered, they charged my bank account $2,000 more than what I had authorized causing my account to go into the negative by $500 and inccuring over $200 in over draft fees. Now I have to wait a week in order to have the funds put back into my account.
I shop at Cabelas at least once a week, and now I get great rewards that save me cash, just by spending normally. Any one that shops at Cabelas should get on board with this check card.
| Type | Today | Week Ago |
|---|---|---|
| 15 Year Fixed | 4.62% ![]() |
4.67% |
| 30 Year Fixed | 5.15% | 5.15% |
| 1 Year ARM | 3.48% ![]() |
3.51% |
| 5/1 Year ARM | 3.62% ![]() |
3.68% |
| Type | Today | Week Ago |
|---|---|---|
| Line of Credit | 4.89% ![]() |
4.88% |
| 10 Year Loan | 7.47% | 7.47% |
| 15 Year Loan | 7.61% ![]() |
7.60% |
| Type | Today | Week Ago |
|---|---|---|
| Interest Checking | 0.28% | 0.28% |
| Money Market/Savings | 0.38% | 0.38% |
| 12 Month CD | 1.13% ![]() |
1.15% |
| 60 Month IRA CD | 2.40% ![]() |
2.41% |
| Type | Today | Week Ago |
|---|---|---|
| Cash Back Cards | 12.66% ![]() |
12.68% |
| No Annual Fee Cards | 12.08% ![]() |
11.97% |
| Reward Cards | 12.75% ![]() |
12.61% |
| Small Business Cards | 11.01% ![]() |
10.94% |
| Student Cards | 13.77% ![]() |
13.49% |
| Platinum Cards | 12.26% ![]() |
12.11% |