Capital One
Bass Pro Shops CLUB Card
Earn rewards points on Bass Pro Shops and Cabela's purchases with no annual fee and tiered benefits.
Annual fee
None
Top rate
5x online shopping
Welcome bonus
$60
Quick look
Tiered Rewards Structure
Earn more points based on annual spending tier
3.5
out of 5
Rewards
Fees
Welcome bonus
Perks
Value
Overall score is a weighted average: Rewards 20% · Fees 20% · Welcome bonus 20% · Perks 20% · Value 20%.
Ideal for
Regular Bass Pro Shops and Cabela's customers who want tiered rewards and special in-store APR rates, best used alongside a general-purpose rewards card for everyday purchases.
The verdict
The Bass Pro Shops CLUB Card is a purpose-built store card that delivers genuine value if you're already a regular Bass Pro Shops or Cabela's shopper. The 5% CLUB Points earn rate (at the highest tier) plus a special 9.99% APR for in-store purchases beats most general cards for these retailers. Points never expire, and you get price-match protection and member pricing.
The catch: rewards points are locked to Bass Pro and Cabela's. If you're a casual buyer at these stores or shop elsewhere, a flat 2% cash-back card or rotating rewards card will almost certainly serve you better. The 1% earn rate outside the stores ranks 56th in the catalog—respectable but unremarkable. This card only makes sense as a second card dedicated to outdoor and hunting gear.
Pros
- 7th-best rewards rate for online shopping (5% CLUB Points at highest tier), well ahead of general-purpose cards
- Competitive 9.99% APR for Bass Pro and Cabela's purchases, much lower than the standard 19.49%-30.49% range
- CLUB Points never expire and the price-match guarantee protects against marked-down discounts
- No annual fee and no foreign transaction fees
Cons
- CLUB Points are redeemable only at Bass Pro Shops and Cabela's—not the wider economy—which severely limits flexibility
- 1% rewards on all other purchases ranks 56th in the catalog and underperforms dedicated 2% cash-back cards
- Welcome bonus of $60 is modest compared to competitors (Chase Freedom Flex: $200; Prime Visa: $150)
- Requires tiered annual spending to unlock top rewards rates (Classic 2%, Silver 3% at $10K+, Black 5% at $25K+)
Reward rates
| Category | Rate | Details |
|---|---|---|
| Online shopping | 5x | Up to 5% points back on Bass Pro Shops and Cabela's purchases |
| Everything else | 1x | 1% points back on purchases everywhere else Mastercard is accepted |
The card's tiered CLUB Points structure means you earn 2% at Classic tier (default), 3% at Silver tier ($10K+ annual spend), and 5% at Black tier ($25K+ annual spend). Outside these retailers, the 1% earn rate is broad but unremarkable—you'll find better rewards on everything-else categories from cards like VentureOne from Capital One (5%) or Citi Home Depot Pro Xtra (4% in its categories). The critical limitation: points are locked to Bass Pro and Cabela's redemption, which erases flexibility that cash-back or transferable points provide.
Fees and APR
Does it pay for itself?
No annual fee puts this in good company—98 cards in the catalog carry zero fees. The real cost trade-off here is the restricted reward redemption, not the fee structure.
Welcome bonus
Is it worth chasing?
The $60 signup bonus is earned in three chunks ($20 on approval, plus $20 and $20 for hitting purchase milestones within 30 days). At face value (100 points per dollar), it's worth $0.60 in store credit. Compared to competitors—Chase Freedom Flex ($200 cash after $500 spend) or Prime Visa ($150 Amazon gift card)—this is a lighter offer, though it requires no minimum spend.
Similar cards
Nearly identical sibling from Capital One—same issuer, same CLUB ecosystem. Choose based on which retailer you visit more often.
General-purpose alternative with rotating 5% categories and better welcome bonus ($200). Better if you shop varied retailers.
Frequently asked questions
What's the difference between Classic, Silver, and Black tiers?
The tiers are based on annual spending: Classic is the default with 2% rewards at Bass Pro/Cabela's; Silver kicks in at $10,000 annual spend and bumps you to 3%; Black at $25,000 annual spend gives you the full 5%. You move tiers automatically based on calendar-year spending.
Can I use my CLUB Points anywhere besides Bass Pro and Cabela's?
No. Points are locked to Bass Pro Shops and Cabela's redemption. They do not transfer to other retailers or partners. This is the biggest constraint of the card's value proposition.
Do my points expire?
No, CLUB Points never expire as long as your account remains open. You can accumulate them over time without losing them to inactivity.
Is there a price-match guarantee?
Yes. Bass Pro Shops and Cabela's honor a price-match guarantee within 7 days of purchase. The card also gives CLUB members exclusive pricing and seasonal discounts on gear.
Should I get this card as my primary card?
No. Use it as a secondary, category-specific card for Bass Pro and Cabela's purchases. For everyday spending—groceries, gas, dining—pair it with a flat 2% cash-back card or rotating rewards card to maximize value across the full spend spectrum.
Reviewed by YoungerFinance Editorial · Last updated August 11, 2026