Bass Pro Shop Credit Card is a must-have for outdoor enthusiasts looking to earn rewards on their purchases. Issued by Capital One, this card offers exclusive benefits, including Club Points on every purchase, special financing options, and access to member-only perks.
Whether you’re shopping for fishing gear, hunting equipment, or outdoor apparel, this card helps you save while enjoying your passion.
Plus, with no annual fee and flexible redemption options, it’s a great way to maximize savings. In this guide, we’ll explore its features, benefits, application process, and whether it’s the right choice for you. Let’s dive in!
Understanding the Bass Pro Shops CLUB Credit Card
The Bass Pro Shops CLUB Credit Card, issued by Capital One, is a rewards-driven credit card designed specifically for outdoor enthusiasts. It allows customers to earn Club Points on their purchases at Bass Pro Shops, Cabela’s, and partner locations, making it an attractive choice for frequent shoppers of outdoor gear, hunting supplies, and fishing equipment.
Card Variants and Tiers
The Bass Pro Shops CLUB Credit Card is available in different tiers based on a cardholder’s spending level:
- CLUB Classic – The entry-level tier that offers basic rewards and benefits.
- CLUB Silver – Upgraded perks, including increased point earnings and exclusive offers.
- CLUB Black – The highest tier, offering premium benefits such as priority customer service and accelerated rewards.
The tier you qualify for depends on your annual spending, with higher levels providing better rewards and perks.
Earning and Redeeming CLUB Points
One of the biggest advantages of this card is its rewards system. Cardholders earn:
- 2% back in CLUB Points on purchases at Bass Pro Shops and Cabela’s.
- 1% back on all other eligible purchases.
CLUB Points can be redeemed for gear, apparel, and outdoor essentials at Bass Pro Shops, Cabela’s, and participating locations, allowing users to save money on future purchases.
Additional Benefits
Beyond rewards, the card offers several attractive perks, including:
- No annual fee, making it a cost-effective choice.
- Special financing options, such as 0% interest for a set period on qualifying purchases.
- Exclusive member offers, including access to promotions and discounts.
- No expiration on earned points, ensuring that users can accumulate rewards over time without pressure to redeem them quickly.
Potential Drawbacks
While the Bass Pro Shops CLUB Credit Card has several benefits, there are some downsides:
- Limited high-reward categories – Higher earnings are restricted to purchases at Bass Pro Shops and Cabela’s.
- High APR – If not paid in full, the card carries a relatively high-interest rate.
- Limited redemption options – CLUB Points can only be used at specific locations, reducing flexibility.
Rewards Program Details
The Bass Pro Shops CLUB Credit Card offers a structured rewards program tailored for outdoor enthusiasts who frequently shop at Bass Pro Shops, Cabela’s, and participating partners. The program is designed to maximize savings through CLUB Points, which can be redeemed for gear, apparel, and outdoor essentials.
Earning CLUB Points
Cardholders earn points based on their spending categories:
- 2% back in CLUB Points for every purchase at Bass Pro Shops, Cabela’s, and select partners.
- 1% back on all other purchases, making it a decent everyday spending card.
- Additional promotional offers may allow for bonus points on certain purchases or events.
Redeeming CLUB Points
Points can be redeemed for outdoor gear, apparel, and equipment at:
- Bass Pro Shops (both online and in-store).
- Cabela’s retail locations.
- Participating partner stores (as per ongoing promotions).
Additional Perks
- No expiration on CLUB Points, ensuring flexibility in redemption.
- Exclusive member promotions, offering discounts, early access to sales, and special events.
While the rewards program is great for Bass Pro Shops loyalists, those who seek flexible redemption options or higher general spending rewards may find better alternatives.
Application Process
Applying for the Bass Pro Shops CLUB Credit Card is a straightforward process, allowing prospective cardholders to apply online, in-store, or via mail. Below is a step-by-step guide to ensure a smooth application experience.
1. Eligibility Requirements
Before applying, ensure you meet the following criteria:
- Must be at least 18 years old (19 in Alabama and Nebraska).
- Must have a valid Social Security Number (SSN) or Taxpayer Identification Number (TIN).
- Must be a U.S. resident with a valid mailing address.
- Should have a fair to good credit score (typically 650+ for approval).
2. Where to Apply
You can apply for the Bass Pro Shops CLUB Credit Card through the following channels:
- Online: Visit the official Bass Pro Shops or Capital One website to fill out the digital application form.
- In-Store: Head to a Bass Pro Shops or Cabela’s location and apply at the CLUB booth with the help of a store associate.
- By Mail: Some customers may receive pre-approved offers with a personalized invitation code for mail-in applications.
3. Application Steps
- Step 1: Provide Personal Information – You’ll need to enter your full name, date of birth, SSN/TIN, address, and employment details.
- Step 2: Review Terms & Conditions – Carefully go through the card’s APR, fees, and rewards structure.
- Step 3: Submit the Application – Once you confirm your details, submit the application for processing.
4. Approval & Credit Check
- The application process includes a hard credit inquiry, which may slightly impact your credit score.
- Instant approval is possible for those with strong credit profiles, while others may receive a decision within 7-10 business days.
5. Receiving Your Card
Once approved, your Bass Pro Shops CLUB Credit Card will be mailed within 7-14 days. You can then activate it online or via phone and start earning CLUB Points immediately.
By following these steps, you can efficiently apply and start enjoying the benefits of the card, including rewards, exclusive discounts, and flexible financing options.
Cardholder Benefits and Perks
The Bass Pro Shops CLUB Credit Card offers a variety of benefits tailored for outdoor enthusiasts, frequent shoppers at Bass Pro Shops and Cabela’s, and those looking for exclusive rewards. Below are the key perks that cardholders can enjoy:
1. Earn CLUB Points on Every Purchase
- 5% Back in CLUB Points on purchases at Bass Pro Shops and Cabela’s (in-store & online).
- 2% Back at participating gas stations and restaurants.
- 1% Back on all other purchases.
These points can be redeemed for gear, apparel, and outdoor equipment at Bass Pro Shops, Cabela’s, and affiliated stores.
2. No Annual Fee
- The Bass Pro Shops CLUB Credit Card has no annual fee, making it an affordable option for regular shoppers.
3. Special Financing Offers
- Cardholders gain access to exclusive financing deals, such as 0% APR for 12 months on select purchases, helping to spread out the cost of big-ticket outdoor gear.
4. CLUB Member-Only Discounts
- Exclusive access to special sales events, discounted gear, and early access to limited-time promotions.
5. Upgrade Opportunities
- Based on spending habits, cardholders may upgrade to Silver or Black status, unlocking even higher rewards and premium benefits.
By leveraging these perks, the Bass Pro Shops CLUB Credit Card offers excellent value to frequent shoppers and outdoor enthusiasts, maximizing savings and rewards while enjoying a seamless shopping experience.
Managing Your Account
Properly managing your Bass Pro Shops CLUB Credit Card ensures you maximize rewards, keep your account in good standing, and take full advantage of available perks. Here’s a detailed guide on how to efficiently handle your account:
1. Online Account Access
- Cardholders can manage their accounts via Capital One’s online portal or mobile app.
- Features include:
- Viewing real-time transactions and balances.
- Setting up alerts for payments, due dates, and unusual spending activity.
- Redeeming CLUB Points for purchases.
2. Making Payments
- Payments can be made through:
- Online banking via Capital One.
- Automatic payments (AutoPay) to avoid late fees.
- Phone or mail payments.
- In-store payments at Bass Pro Shops and Cabela’s locations.
3. Tracking Rewards and Redeeming CLUB Points
- Points accumulate automatically and can be viewed in the online account dashboard.
- CLUB Points can be redeemed for outdoor gear, apparel, and other products at Bass Pro Shops and Cabela’s.
- Higher-tier cardholders (Silver & Black) may receive faster point accumulation and exclusive redemption offers.
4. Customer Support and Assistance
- Cardholders can contact Capital One customer service for billing questions, card replacements, and fraud protection.
- Fraud monitoring services help detect unauthorized transactions.
By utilizing these tools, Bass Pro Shops CLUB Credit Card holders can efficiently track spending, earn rewards, and enjoy a seamless financial experience.
Pros and Cons of the Bass Pro Shops CLUB Credit Card
| Pros | Cons |
|---|
| Earn unlimited CLUB Points on every purchase | Limited redemption options – points can only be used at Bass Pro Shops and Cabela’s |
| No annual fee | High APR compared to other rewards credit cards |
| Sign-up bonus available for new cardholders | Low base rewards rate on non-Bass Pro/Cabela’s purchases |
| Exclusive cardholder perks like special financing and discounts | Requires good to excellent credit for approval |
| Upgraded rewards for Silver and Black tier members | No intro 0% APR offer for new purchases or balance transfers |
| Access to special events, sales, and promotions | Higher-tier benefits require significant spending |
| Fraud protection and security features from Capital One | Better general-purpose rewards cards exist for everyday spending |
| No foreign transaction fees | No direct cashback or travel rewards |
FAQs
Does Bass Pro Shop have a credit card?
Yes, Bass Pro Shops offers the Bass Pro Shops CLUB Credit Card, issued by Capital One. It provides rewards for purchases at Bass Pro Shops, Cabela’s, and other partner locations.
How to pay a Bass Pro credit card bill?
You can pay your Bass Pro Shops CLUB Credit Card bill through the Capital One website, mobile app, phone, or by mail. Payments can also be made at Bass Pro Shops and Cabela’s retail locations.
What is the phone number for Capital One Bass Pro card?
The customer service number for the Capital One Bass Pro Shops CLUB Credit Card is 1-800-227-4825.
Is the Bass Pro card a Capital One card?
Yes, the Bass Pro Shops CLUB Credit Card is issued by Capital One, meaning it is managed under Capital One’s financial services.
Is a Bass Pro Shop credit card hard to get?
Approval depends on your credit score. The Classic card requires fair credit, while the Silver and Black levels require good to excellent credit.
What is a Master Credit Card?
A MasterCard is a credit, debit, or prepaid card issued under the Mastercard payment network, allowing users to make purchases globally.
Can the Bass Pro credit card be used anywhere?
Yes, since it’s a Mastercard, it can be used anywhere Mastercard is accepted, not just at Bass Pro Shops or Cabela’s.
Which is the best credit card to have?
The best credit card depends on your spending habits and financial goals. For outdoor shoppers, the Bass Pro Shops CLUB Credit Card is great for rewards at Bass Pro Shops and Cabela’s, but general cash-back or travel rewards cards may be better for everyday spending.
Conclusion
The Bass Pro Shops CLUB Credit Card is a solid choice for outdoor enthusiasts and loyal Bass Pro Shops or Cabela’s shoppers. With unlimited CLUB Points, exclusive discounts, and no annual fee, it provides valuable perks for those who frequently purchase outdoor gear.
However, its high APR, limited redemption options, and lower rewards on non-Bass Pro purchases may not make it ideal for everyday use.
Before applying, consider your spending habits and whether you’ll maximize the card’s benefits. If you’re a dedicated outdoor adventurer, this card can enhance your shopping experience, but if you prefer broader rewards, other credit card options may be a better fit.
