Outdoors retailer Cabela’s offers a Visa credit card that very well could approve you instantly, though that is not guaranteed, and your approval may require you to have at least average credit. If you fit the bill, you could be approved for a nice rewards credit card.
The Cabela’s Club Visa is a rewards credit card that gives you points back based on your card spending. You get 2% back in points on Cabela’s purchases and 2% back at Cenex convenience store locations (if you happen to have any in your area), and 1% back on all other purchases. As a bonus, you’ll get $20 worth of Cabela’s Club points added to your account upon card approval (whether instant or not), and another $10 if you use the card for at least 5 purchases outside Cabela’s in the first 30 days you have it. You can then use this Cabela’s Club money to pay for your Cabela’s purchases in the future.
In terms of interest rate, the Cabela’s card has an interesting formula: you get a very low 9.99% rate on your Cabela’s purchases, but your interest rate on other purchases could be anywhere from 15.77% to 21.77% depending on your credit history.
There is no annual fee for the Cabela’s Club Visa.