Bass Pro Shops is well known for providing outdoor enthusiasts with a wide variety of fishing, boating, hunting, and camping gear. For frequent shoppers, the company offers the Capital One Bass Pro Shops CLUB Credit Card, providing cardholders with rewards and benefits they can use at Bass Pro Shops and Cabela’s locations.
The card offers a tiered rewards system, with CLUB Classic, Silver, and Black statuses determined by the cardholder’s annual spending. Depending on your status, you can earn up to 2% back in CLUB points on purchases made at Bass Pro Shops and Cabela’s. To sweeten the deal, the card has a $0 annual fee and offers a welcome bonus in the form of CLUB Points upon account approval and after qualifying purchases.
Understanding the features and benefits of the Bass Pro Shops CLUB Credit Card is essential for determining if it’s the right addition to your wallet. This review will delve into the card’s earning potential, APR, credit score requirements, and other essential information to help you make an informed decision.
Basics of Bass Pro Shops Credit Card
Card Issuer and Type
The Bass Pro Shops CLUB Credit Card is issued by Capital One and is a Mastercard. This card is designed for outdoor enthusiasts who frequently shop at Bass Pro Shops or Cabela’s. Having good to excellent credit is required for approval, which is usually a credit score of at least 700.
Club Points vs. Rewards Points
The Bass Pro Shops CLUB Credit Card offers its users CLUB points, which are earned at the following rates:
- 2% back in CLUB points: This rate applies to purchases made at Bass Pro Shops and Cabela’s. For example, if you spend $100, you would earn 200 CLUB points.
It’s essential to understand that CLUB points are different from traditional credit card rewards points, which may be redeemed for cashback, statement credits, travel, or shopping. CLUB points can only be redeemed to make purchases at Bass Pro Shops and Cabela’s, making these points more valuable for those who frequently shop at these stores.
In addition to earning 2% back in CLUB points on Bass Pro Shops and Cabela’s purchases, the card offers up to $50 in CLUB points as a signup bonus (terms apply). There are no foreign transaction fees, and the regular APR ranges from 19.99% to 31.74% (variable).
To keep the cardholder experience simple, there are no membership fees for the Bass Pro Shops CLUB Credit Card, allowing users to enjoy its benefits without additional costs. Please note that this card does not offer introductory APR promotions on purchases or balance transfers.
Earning and Redeeming Points
With the Bass Pro Shops CLUB Credit Card, cardholders earn 2% back in CLUB Points on purchases made at Bass Pro Shops and Cabela’s, both in-store and online. There are three CLUB membership tiers, each offering unique rewards and benefits:
- CLUB Classic: Automatic enrollment upon approval of the credit card
- CLUB Silver: Reached by spending $10,000 in a calendar year
- CLUB Black: Reached by spending $25,000 or more in a calendar year
As your spending thresholds increase, you earn additional perks and benefits, including access to member-only events and special offers.
Once you’ve earned CLUB Points, you can redeem them towards free gear and other eligible items at Bass Pro Shops and Cabela’s, maximizing your rewards and enhancing your shopping experience.
Expiration and Caps
It’s essential to note that CLUB Points do not expire as long as your account is active and in good standing. However, if your account is closed or inactive, you may lose any accumulated points. There are no caps on the amount of CLUB Points you can earn, giving you the freedom to make purchases and accumulate rewards throughout the year.
Card Membership Tiers and Benefits
Club Classic is the entry-level membership for the Bass Pro Shops CLUB credit card. Cardholders in this tier enjoy the following benefits:
- No annual fee: Club Classic members do not have to pay any yearly charges for their card membership.
- Earn Points: Members earn 2% back in CLUB points on every dollar spent at Bass Pro Shops and Cabela’s. Points can be redeemed towards merchandise at both stores.
- Exclusive CLUB perks: Club Classic members get access to members-only in-store events, bonus points offers, and special discounts.
After spending $10,000 in a calendar year at Bass Pro Shops or Cabela’s, cardholders may qualify for the Club Silver tier. In addition to the Club Classic benefits, Club Silver members can enjoy:
- Higher Rewards Rate: Silver members receive a boosted rewards rate of 3% back in CLUB points on Bass Pro Shops and Cabela’s purchases.
- Lower APR: A lower APR of 9.99% on Bass Pro Shops and Cabela’s purchases is offered to Club Silver members, compared to the variable APR rates at the Club Classic tier.
Cardholders who spend $25,000 or more in a calendar year may be eligible for the exclusive Club Black tier. This top-tier membership comes with additional benefits, such as:
- Highest Rewards Rate: Club Black members earn 5% back in CLUB points on every dollar spent at Bass Pro Shops and Cabela’s, maximizing their rewards earning potential.
- Premium Perks: Members at the Club Black tier gain access to premium perks, including exclusive events, members-only giveaways, and priority customer service.
- Lower APR: Like Club Silver members, Club Black cardholders also enjoy a lower 9.99% APR on Bass Pro Shops and Cabela’s purchases.
Interest Rates and Fees
APR and Balance Transfers
The Bass Pro Shops CLUB Credit Card has a variable APR that ranges from 19.99% to 31.74%, depending on your creditworthiness. This APR applies to both purchases and balance transfers. There is an introductory offer for new cardholders, which includes a 1.99% intro APR for 7 billing cycles on purchases and balance transfers made within the first 60 days of opening your account. After the introductory period, the variable APR of 13.74% – 23.74% will come into effect.
Fees and Charges
This credit card comes with no annual fee, making it an attractive option for those who enjoy shopping at Bass Pro Shops and Cabela’s. Other fees and charges associated with this card include:
- Balance Transfer Fee: $0, allowing you to transfer balances without incurring any additional costs.
- Foreign Transaction Fee: No foreign transaction fees, which makes it an ideal companion for international travel or online purchases from merchants located outside the United States.
- Cash Advance Fee: If you need to use your card to access cash from an ATM, be prepared to pay a fee for this service. However, as this credit card is primarily designed for earning rewards on purchases at Bass Pro Shops and Cabela’s, cash advance usage may not be its primary purpose.
- Cash Advance APR: It is crucial to note that the cash advance APR may differ from the variable APR for purchases and balance transfers. Be sure to read the terms and conditions carefully to understand the specific rates and fees associated with cash advances.
Keep in mind that this credit card requires good/excellent credit for approval, and it primarily rewards those who frequently shop at Bass Pro Shops and Cabela’s.
How the Card Compares to Others
Store Credit Card Comparison
The Bass Pro Shops CLUB Credit Card earns 2% back in CLUB points on purchases made at Bass Pro Shops, Cabela’s, and participating Cenex locations. It comes with no annual fee, and offers an introductory 1.99% APR for 7 billing cycles on purchases and balance transfers made within the first 60 days of account opening. After that, the variable APR ranges from 13.74% to 23.74%.
In comparison, store credit cards from other retailers typically offer rewards specific to their stores as well, but not all provide the same rewarding rate. For example, some store credit cards may only offer a flat 1% cash-back rate on purchases, or a certain amount off as a gift card for reaching certain spending thresholds. Additionally, the 2% back in CLUB points can be redeemed for items at Bass Pro Shops or Cabela’s, which makes it suitable for outdoor enthusiasts who frequent these stores.
Alternative Reward Credit Cards
If you’re not specifically interested in store rewards, there are alternative reward credit cards that you may want to consider. The Citi® Double Cash Card, for example, offers 2% cash-back on all purchases, with 1% earned when you buy and another 1% when you pay off your balance. Similar cards offer competitive cash-back rates, flexible redemption options, and additional benefits that can appeal to a broader audience than store credit cards.
Below is a comparison of the Bass Pro Shops Credit Card and the Citi® Double Cash Card:
|Card||Annual Fee||Rewards Rate||Introductory APR|
|Bass Pro Shops CLUB Credit Card||$0||2% back in CLUB points at Bass Pro Shops, Cabela’s, and participating Cenex locations||1.99% for 7 billing cycles on purchases and balance transfers made within the first 60 days|
|Citi® Double Cash Card||$0||2% cash-back on all purchases (1% when you buy and 1% when you pay your balance)||None|
Keep in mind that the best credit card for you ultimately depends on your spending habits and preferences. While the Bass Pro Shops CLUB Credit Card may be a great fit for someone who frequently shops at Bass Pro Shops, Cabela’s, and participating Cenex locations, other reward credit cards could be a better fit for those seeking more versatile rewards or cash-back options.
Additional Card Features and Offers
The Bass Pro Shops CLUB Credit Card offers a welcome bonus where you can earn up to $50 in CLUB points upon approval. You also have the opportunity to earn $20 in CLUB points (2,000 Points) when signing up for the card. The card comes with variable APR rates of 19.99%, 22.99%, or 31.74%, depending on your creditworthiness.
Security and Global Services
As a cardholder, you will enjoy a range of security features and services. These include:
- Zero Liability Protection: You won’t be held responsible for any unauthorized transactions on your card.
- ID Theft Protection: The card offers services to help protect you from identity theft and assist in handling the situation if you ever become a victim.
- Mobile App: Manage your account, view transactions, and redeem your rewards points through the easy-to-use mobile app, available for both iOS and Android devices.
Rewards for Conservation Efforts
The Bass Pro Shops CLUB Credit Card benefits extend beyond the shopping experience. As a cardholder, you’ll also be supporting conservation efforts:
- National Fish and Wildlife Foundation: A portion of the card’s proceeds goes to the National Fish and Wildlife Foundation to support their mission of protecting and restoring our nation’s fish, wildlife, plants, and habitats.
- Rewards Points: Earn 2% back per dollar spent at Bass Pro Shops, Cabela’s, and their partner stores, which can be redeemed for free gear and exclusive offers.
- Points Never Expire: Unlimited CLUB Points never expire for open accounts, allowing you to accumulate and use them for future purchases.
Eligibility and Application Process
To apply for the Capital One Bass Pro Shops® CLUB Credit Card, you must meet certain requirements. Primarily, you need to have a credit score of 700 or higher, which equates to having at least good credit. Other factors that the issuer will take into consideration include:
- Your income
- Any existing debts
- Your credit history
Review and Approval Process
Once you submit your application for the Capital One Bass Pro Shops® CLUB Credit Card, the issuer will evaluate your eligibility based on the requirements mentioned above. Upon approval, you will be automatically enrolled in the CLUB Classic tier. You can progress to higher reward tiers by increasing your spending on the card:
- CLUB Silver: reached by spending $10,000 in a year
- CLUB Black: reached by spending $25,000 or more in a year
After receiving your Capital One Bass Pro Shops® CLUB Credit Card, you can manage your account online by creating a password-protected online account, making it easy to keep track of your spending and rewards points.
Managing Your Account and Activities
Online Account Features
With the Bass Pro Shops CLUB Credit Card, you can easily manage your account online through the Capital One platform. This allows you to:
- Check your balance to stay updated on your spending
- View transaction history for a detailed record of your purchases
- Redeem rewards points to get discounts or merchandise from Bass Pro Shops
For even more convenience, you can download the Bank of America Mobile App. This app enables you to manage your Bass Pro Shops CLUB Credit Card account on-the-go. With the app, you can:
- Monitor your account just like you would on the online platform
- Access the FICO® Score Program which helps you keep tabs on your credit score
- Enable security features such as card lock/unlock and account alerts
Paying your Bass Pro Shops CLUB Credit Card bills is simple and can be done in several ways:
- Online payments through your Capital One account or Bank of America Mobile App
- Mail: Send a check or money order to the mailing address on your monthly statement
- Phone: Call the number on the back of your card to make a payment over the phone
Remember to always pay at least the minimum amount due each month to avoid late fees, maintain good credit, and prevent ballooning debts. Paying your balance in full each month can also help you avoid interest charges.
Frequently Asked Questions
Interest rate on the card?
The interest rate for the Bass Pro Shops CLUB Credit Card can vary depending on your creditworthiness. The regular APR could be 19.99%, 22.99%, or 31.74% variable APR.
Any Walmart usage?
The Bass Pro Shops CLUB Credit Card awards points primarily through purchases at Bass Pro Shops and Cabela, and not for spending at Walmart or other retailers.
Bank backing the card?
The Bass Pro Shops CLUB Credit Card is issued by Capital One, which is a major financial institution in the United States.
To apply for the Bass Pro Shops CLUB Credit Card, you can visit the Capital One website or a Bass Pro Shops location. The application process will require you to provide personal information such as your name, address, Social Security number, employment details, and financial information.
Credit score needed?
The required credit score for the Bass Pro Shops CLUB Credit Card is typically good to excellent, with a starting point of around 700 or higher. However, Capital One will also consider factors such as your income, current debt, and any negative financial history when assessing your application.
Card’s credit limit?
The credit limit on the Bass Pro Shops CLUB Credit Card can vary depending on your creditworthiness. Capital One will make a decision on your credit limit after a thorough evaluation of your credit profile, financial stability, and other relevant factors.