Bass Pro Shops® CLUB Card
Earn up to 5% points back at Bass Pro Shops for $0 annual fee
The Bass Pro Shops CLUB Card charges no annual fee and earns 2-5% back at Bass Pro Shops and Cabela's depending on tier, plus 1% everywhere else. With no annual cost, promotional financing from 0-6.99% APR for 6-48 months on in-store purchases, and points that never expire, this card is straightforward for outdoor enthusiasts who shop regularly at Bass Pro retailers.
- Annual Fee
- $0
- Welcome Bonus
- Up to $75 in rewards
- Highest rate (conditional)
- Up to 5X (Bass Pro Shops)
Terms checked against the issuer on November 5, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard Standard
- Rewards Currency
- CLUB Points (Bass Pro Shops & Cabela's)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: Up to $75 in rewards
- $25 in rewards on approval
- + $25 in rewards after 5 purchases anywhere Mastercard is accepted, within 30 days
- + $25 in rewards after 5 more purchases anywhere Mastercard is accepted, within 30 days
The total needs every stage above. Meet only the first and you earn $25 in rewards.
Earning Rates
- 5X
Bass Pro Shops
5% back at Bass Pro Shops and Cabela's with Black status ($25,000 annual spend)
- 3X
Bass Pro Shops
3% back at Bass Pro Shops and Cabela's with Silver status ($10,000 annual spend)
- 2X
Bass Pro Shops
2% back at Bass Pro Shops, Cabela's, Mack's Prairie Wings, and participating White River Marine Group dealers (Classic tier)
- 1X
All Other
1% back in CLUB Points on purchases everywhere else Mastercard is accepted
Earning Scenarios
2% back at Bass Pro Shops and Cabela's (Classic tier)
Earn 2 CLUB Points per dollar at Bass Pro Shops, Cabela's, Mack's Prairie Wings, and participating White River Marine Group dealers on the Classic tier starting immediately.
Spend $2,000 annually on outdoor gear: earn 4,000 points (worth $40 in merchandise redemptions)
3% back at Silver tier ($10K annual spending)
Automatically upgrade to Silver tier when you spend $10K per year at Bass Pro Shops and Cabela's. Earn 3 CLUB Points per dollar (3% value) at these retailers.
Spend $15,000 annually: earn 45,000 points (3% × $15K) worth $450
5% back at Black tier ($25K annual spending)
Reach Black tier with $25K+ annual spending at Bass Pro Shops and Cabela's. Earn 5 CLUB Points per dollar — the card's highest earn rate for heavy outdoor shoppers.
Spend $30,000 annually: earn 150,000 points (5% × $30K) worth $1,500 in merchandise
1% back on all other purchases
Earn 1 CLUB Point per dollar on purchases everywhere else Mastercard is accepted. No category limits or caps — consistent earning outside Bass Pro and Cabela's.
Spend $1,000 monthly elsewhere ($12,000/yr): earn 12,000 points (worth $120 in merchandise)
Benefits & Perks
Insurance & Protections
3 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Credit file monitoring and fraud alerts
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.2/5 | ||
| Forbes Advisor | 1.2/5 |
How It Compares
With a $0 annual fee, the Bass Pro Shops CLUB Card rewards outdoor enthusiasts with 2-5% back at Bass Pro Shops and Cabela's (depending on tier) and 1% everywhere else. Includes promotional financing (0-6.99% for 6-48 months) and CLUB member pricing benefits.
The Math: Is $0 Worth It?
First-year value includes $25 welcome bonus (first stage)
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Capital One 2-app/30-day limit | |
| Capital One 5-card limit | |
| Capital One past due restriction |
Payment Terms
| Purchase APR | 19.74%–30.74% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Video Reviews
8 videosBass Pro Shops CLUB Card by Capital One
Bass Pro / Cabela's Credit Card Review 2020 - Bass Pro Shops Mastercard or Cabela's Mastercard
Bass Pro Shops Club Card by Capital One: Review of Features and Drawbacks
Bass Pro Shops CLUB Card My Honest Review and User Experience
American Bass Pro Capital One Credit Card Honest Review
Bass Pro Shops Club From Capital One Credit Card Review - Watch Before You Apply
America Bass Pro Shops Club From Capital One Credit Card Honest Review
Third-Party Articles & Reviews
Bass Pro Shops CLUB Card
Bass Pro Shops' own CLUB Card landing page highlighting member benefits, CLUB rewards program integration, exclusive perks for cardholders, and how to apply.
Bass Pro Shops CLUB Credit Card
Capital One's official product page for the Bass Pro Shops CLUB Card with complete information on rates, fees, full terms and conditions, and benefits details.
The Ultimate Guide to Bass Pro CLUB
Comprehensive analysis of the Bass Pro CLUB rewards program structure, earning mechanics, redemption options, and value calculations for different shopper profiles.
Capital One Bass Pro Shops Club Credit Card Review
Forbes Advisor's comprehensive review of the Bass Pro Shops CLUB Card covering earning rates, annual fee, rewards structure, and value proposition for frequent Bass Pro Shops shoppers.
5 Things to Know About the Cabela's and Bass Pro Shops Cards
NerdWallet's educational guide highlighting key features and earning potential for both the Cabela's and Bass Pro Shops co-branded credit cards, with practical tips for maximizing rewards.
Cabela's CLUB Mastercard Credit Card Review
CreditCards.com's review of the Cabela's CLUB card, the identical twin issuer version of the Bass Pro Shops CLUB Card, covering benefits, earning structure, and cardholder considerations.
Bass Pro Credit Card Reviews – 400+ User Ratings (2026)
WalletHub's user-reviewed profile of the Bass Pro Shops CLUB Card with 400+ community ratings, real cardholder feedback on benefits, application process, and practical experience with rewards redemption.
Bass Pro Shops CLUB Cards: Worth It?
Active Reddit discussion from r/CreditCards community debating the value proposition of Bass Pro Shops CLUB card for frequent and occasional shoppers, with pros/cons from real cardholders.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer |
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