Capital One Bass Pro Shops Club Credit Card Review 2024

• Capital One Bass Pro Shops® CLUB Credit Card* Introduction
• Quick Facts
• What Is the Capital One Bass Pro Shops® CLUB Credit Card* Best For?
• Capital One Bass Pro Shops® CLUB Credit Card* Rewards
• Other Bass Pro Shops Card Benefits
• Fine Print
• How the Bass Pro Shops Card Stacks Up
• Is the Bass Pro Shops Card for You?
• Methodology

If your favorite way to spend time outside requires gear, you’ve likely spent a good chunk of change acquiring it. Hunting, fishing, watersports and camping all require an investment in various equipment. Using the Capital One Bass Pro Shops® CLUB Credit Card* is one way to earn rewards on those purchases with an eye towards redeeming for more equipment down the line.

Even though it runs on the Mastercard network and can be used just about anywhere, it’s best to think of the Bass Pro Shops card as a store card with benefits. That’s because although your qualifying purchases on the card, which includes purchases at Bass Pro Shops and Cabela’s, are subject to a fairly low APR of: 9.99%, all other purchases on the card are subject to a higher APR of 9.99% APR for purchases at Bass Pro Shops and Cabela's, a 20.49% - 32.24% variable APR applies on purchases and balance transfers.

All cardholders start out earning 2% back at Bass Pro Shops, Cabela's and participating Cenex locations and 1% back on all other purchases, with the potential to snag higher rates after meeting spending thresholds.

These are great possible rewards from a no annual fee card, but there are a couple of things that could turn this card into chum. You can only redeem your rewards towards another Bass Pro Shops or Cabela’s purchase. You can’t get cash back or even use the earnings as a statement credit towards paying down your bill. That, plus the mediocre returns and higher APR on unrelated spending, mean this is a card best used just within the brand to get discounts towards future purchases.

In other words, it’s a store card camouflaged with a Mastercard label. Throw this card back and scoop up a general-purpose rewards card that lets you use your rewards however you’d like.

• Annual fee: $0
• Welcome bonus: $20 in CLUB points upon approval, plus $10 in points after completing two Bass Pro Shops or Cabela's purchases and $10 in points after five purchases are made everywhere else both within 30 days of account approval
• Purchase APR on Bass Pro Shops, Cabela’s and Cenex spending: 9.99% APR
• Purchase APR on all other spending: 9.99% APR on Bass Pro Shops and Cabela’s purchases, 20.49% - 32.24% variable APR on other purchases
• Earn 2% back at Bass Pro Shops, Cabela's and participating Cenex locations and 1% back on all other purchases
• Comes with Mastercard perks and benefits
• Rewards can only be redeemed towards purchases at Bass Pro Shops or Cabela’s

This card is best for those who can’t get enough of the great outdoors and who plan to spend any rewards they earn at Bass Pro Shops or Cabela’s. If you hope to use credit card rewards toward anything else, there are better options.

Earning Rewards

Cardholders are automatically considered to be Bass Pro Shops CLUB Classic Members. At the Classic level, you’ll earn 2% back at Bass Pro Shops, Cabela's and participating Cenex locations and 1% back on all other purchases.

If you spend at least $10,000 on your Bass Pro Shops credit card in a calendar year, you’ll get boosted from Classic to Silver status, which means you’ll earn 3% back on your spending at Bass Pro Shops’ family of stores. Spend at least $25,000 on the card in a year and you’ll get the highest level status, Black, which will net you an oversized 5% back on all your spending at Bass Pro Shops, Cabela’s and participating Cenex gas stations.

Redeeming Rewards

Points are worth 1 cent each, and there is no minimum redemption amount. Points can only be redeemed toward purchases with Cabela’s and Bass Pro Shops and their merchandising subsidiaries, including in-store restaurants, located in the U.S.

Rewards Potential

Forbes Advisor uses data from various government agencies to determine both baseline income and spending averages across various categories. The 70th percentile of wage-earning households brings in $118,438 annually and has $39,337 in expenses that can be charged to a credit card.

Capital One Bass Pro Shops® CLUB Credit Card* Rewards Potential
Category	Earning Rate	Estimated Annual Spend	Estimated Annual Earnings
Clothing From Bass Pro Shops/Cabela’s	2X	$2,470	4,940
Gas From Cenex	2X	$3,562	7,124
Leisure Purchases From Bass Pro Shops/Cabela’s	2X	$597	1,194
All Other Purchases	1X	$32,708	32,708
			Total: 45,966 Bass Pro Shops Points

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The 45,966 points can be redeemed for approximately $459.66 in qualifying purchases at Bass Pro Shops or Cabela’s.

Holders of the Bass Pro Shops card will receive several other Bass Pro perks, including standard Mastercard benefits:

• Exclusive offers. Cardholders will receive members-only discounts, promotions, in-store events and giveaways.
• Zero liability protection. You’re not responsible for unauthorized charges made on your card.
• Global services. Get emergency assistance anytime, anywhere and in any language. This includes reporting a lost or stolen card, obtaining an emergency card replacement or cash advance, finding an ATM and answering questions on your account.
• ID theft protection. You can opt in to this service that monitors your credit file for changes that could indicate fraud, sends you emergency alerts and can assign you a resolution specialist if fraud is detected.
• Signature events. Access to learn from expert outfitters and go behind-the-scenes with the top brands in the industry.
• Price match. If you find an identical product currently being sold at a lower price by another retailer within 100 miles of your local Bass Pro Shops or Cabela’s store, or on a qualifying website, we will match that price at the time of purchase. CLUB members will get an additional 5% off the matched price.

Interest Rates

• Regular APR: 9.99% APR on Bass Pro Shops and Cabela’s purchases, 20.49% - 32.24% variable APR on other purchases
• Intro APR: N/A
• Balance transfer intro APR: N/A

Fees

• Annual fee: $0
• Balance transfer fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you
• Foreign purchase transaction fee: None

Capital One Bass Pro Shops® CLUB Credit Card* vs. Ducks Unlimited Rewards Visa® Card*

If you like the idea of a card that celebrates the great outdoors, consider the Ducks Unlimited Rewards Visa® Card*. The no annual fee card earns 3% back per dollar spent on Ducks Unlimited purchases (up to $10,000) during each 12 consecutive billing cycle, then earn 1.5% back for the remainder of the qualifying period. Earn an unlimited 1.5% back per dollar spent on all other purchases, and a portion will go to support wetlands conservation.

Unlike the Bass Pro Shops card, which limits your earnings to redemptions for more merchandise from the company, you have more options with the Ducks Unlimited Rewards Visa® Card*.

Redemption options for the Ducks Unlimited Rewards Visa® Card* include merchandise, gift cards/certificates, travel (flights, hotels and car rentals) and cold hard cash (statement credit, ACH or check). One drawback: For cash-back redemptions, you can only redeem your rewards in increments of $25, $50, $100, $250 and $1,000, so you’ll have to wait until you squirrel away enough rewards to meet one of those thresholds. Other rewards may be redeemed starting at 1,000 points.

Capital One Bass Pro Shops® CLUB Credit Card* vs. Chase Freedom Flex®

Even if you spend nearly all of your disposable income on things related to the great outdoors, you might find a card that rewards you for all of life’s other expenses could yield greater rewards overall. Consider the Chase Freedom Flex® card if you want a pumped-up earnings structure that covers a wide swath of expenses.

The Chase Freedom Flex® card carries a $0 annual fee and earns 5% cash back on up to $1,500 in combined purchases in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases. Earnings can be taken in any amount at any time as a deposit to your eligible bank account, to use for travel through the Chase Travel portal, to buy gift cards or to Shop with Points on Amazon.

Capital One Bass Pro Shops® CLUB Credit Card* vs. Citi Double Cash® Card

If keeping track of which card to use at different times sounds like a chore, consider an easy-to-earn, easy-to-redeem card like the Citi Double Cash® Card. The card earns a straightforward 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off. It carries a $0 annual fee, and your rewards are earned as ThankYou Points that can be redeemed as cash back via a statement credit, direct deposit or a check by mail.

The Capital One Bass Pro Shops® CLUB Credit Card* could be the right choice for someone who uses this card just for purchases within the brand and is comfortable only using the rewards to buy items from the retailer. You’ll also need to be ok with juggling another card for your other spending. But that’s likely a pretty niche group. If you’re looking for rewards you can spend any way you’d like, it makes more sense to go with another option and let this card swim with the fishes.

Forbes Advisor considers a variety of criteria when assigning credit cards a rating. Cards are graded based on numerous factors, including:

• Annual fees
• Welcome bonus offers
• Ongoing earning rates
• Value of individual rewards
• Included travel or merchant credits
• Additional cardholder benefits

Card features we expect cardholders to use the most often are weighted more heavily in our ratings. Altogether, the factors come together to provide a star rating for each individual card.

To learn more about our rating and review methodology and editorial process, check out our guide on how Forbes Advisor rates credit cards.