The Capital One Bass Pro Shops Social club Credit Bill of fare is meant to hook those who frequent Bass Pro Shops and/or Cabela's for their outdoor sporting needs. The no-annual-fee carte du jour earns ii% back at Bass Pro Shops, Cabela'south & participating Cenex® locations and ane% back on all other purchases.

You may get reeled in by the Mastercard perks and a path to earning even college rewards if yous come across certain spending thresholds on the card each year. But you lot'll take to fish hard to discover the value in this card. You tin do amend with a general-purpose rewards card.

Annotation: This carte du jour has an identical twin, the Capital One Cabela CLUB Credit Bill of fare*. These two cards are exactly the same and unlike in name simply.

Capital One Cabela CLUB Credit Card

Capital One Cabela CLUB Credit Card

Welcome Bonus

$sixty in points

Regular APR

15.24% - 26.99% variable

Credit Score

Good/Splendid

Pros

  • No almanac fee
  • Low ongoing Apr for purchases made within the brand
  • Rewards rate increase for large spenders

Cons

  • Points can only be redeemed towards Bass Pro Shops or Cabela'southward spending
  • Higher April for spending outside of the brand
  • Low welcome bonus

Highlights

  • Earn upward to $threescore in Society Points
  • 15.24% – 26.99% Variable April on purchases and residual transfers
  • No annual fee
  • Earn 2% points back at Bass Pro Shops, Cabela's & participating Cenex® locations
  • Earn i% points dorsum on all other purchases
  • Earn unlimited Club Points that never elapse for open accounts
  • Redeem points for trade at Bass Pro Shops and Cabela'due south or at Bass Pro Shops restaurants and resorts through the mobile app
  • Instantly gain access to fellow member-simply discounts, promotions, in-shop events and giveaways
  • Connect to your account online, over the phone, through the app or in-store

Introduction

If your favorite way to spend fourth dimension outside requires gear, you've likely spent a good chunk of change acquiring it. Hunting, fishing, watersports and camping all crave an investment in various equipment. Using the Capital One Bass Pro Shops Social club Credit Card is one way to earn rewards on those purchases with an centre towards redeeming for more than equipment downwards the line.

Even though it runs on the Mastercard network and tin can be used only about anywhere, it's all-time to think of the Bass Pro Shops card equally a store card with benefits. That's considering although your qualifying purchases on the card, which includes purchases at Bass Pro Shops, Cabela's and Cenex locations, are discipline to a fairly low APR of: 9.99%, all other purchases on the card are subject to a higher APR of 15.24% - 26.99% variable.

Those who exercise spend big on the card will start out earning 2 points per dollar spent within the Bass Pro Shops/Cabela's/Cenex ecosystem, with the potential to snag higher rates after meeting spending thresholds.

These are great possible rewards from a no-almanac-fee but there are a couple of things that could plow this card into chum: You can just redeem your rewards towards another Bass Pro Shops or Cabela's buy. Y'all can't get greenbacks dorsum or even use the earnings as a statement credit towards paying down your bill. That, plus the so-so returns on unrelated spending and college Apr mean this is a card best used just inside the brand and used to get discounts towards time to come purchases within the make.

In other words, it's a store carte camouflaged with a Mastercard characterization. Throw this card back and scoop upwardly a general-purpose rewards card that lets y'all use your rewards however you'd similar.

At a Glance

  • Annual fee: $0
  • Welcome bonus: $twenty in Society points upon approval, plus the ability to earn up to $twoscore in Gild points for making at least v eligible purchases within thirty days of business relationship approval
  • Buy April on Bass Pro Shops, Cabela's and Cenex spending: 9.99% April
  • Purchase APR on all other spending: 15.24% - 26.99% variable
  • Earn 2% dorsum at Bass Pro Shops, Cabela's & participating Cenex® locations and 1% dorsum on all other purchases
  • Comes with Mastercard perks and benefits
  • Rewards can only exist redeemed towards purchases at Bass Pro Shops or Cabela'south

Rewards

Earning Rewards

Cardholders are automatically considered to exist Bass Pro Shops Club Archetype Members, which is the name of the rewards system at Bass Pro Shops and Cabela'southward. At the Classic level, you lot'll earn 2% back at Bass Pro Shops, Cabela'southward & participating Cenex® locations and one% dorsum on all other purchases.

If you spend at least $10,000 on your Bass Pro Shops credit card in a calendar yr, y'all'll become boosted from Classic to Silver status which means you'll earn a total of 3 points per dollar on your Bass Pro Shops family unit spending.

Spend at least $25,000 on the card in a year and you'll get the highest level status, Black, which volition cyberspace you an oversized 5 points per dollar on all your Bass Pro Shops family spending.

Note that purchases made via a mobile wallet with the card may non be eligible for the bonus rewards rate.

Redeeming Rewards

Points are worth one cent each and there is no minimum redemption amount. Points can but be redeemed towards purchases with Cabela'southward and Bass Pro Shops and their merchandising subsidiaries, including in-store restaurants, located in the U.South.

Rewards Potential

Forbes Advisor uses data from various government agencies in order to determine both baseline income and spending averages across diverse categories. The 70th percentile of wage-earning households brings in $100,172 annually and has $52,820 in standard expenses. Assuming 50% of such expenses are charged to this card, full annual card spending would exist $26,410.

Of that $26,410 we estimate our sample cardholder would spend a combined $half dozen,797 on leisure pursuits and gas spending. At 2 points per dollar spent, that would net xiii,594 points. Spending in other categories would internet 19,613 points for a full of 33,207 points, which can be redeemed for $332.07 in qualifying purchases at Bass Pro Shops or Cabela's.

Other Bill of fare Benefits

Holders of the Bass Pro Shops card will receive Mastercard benefits including:

  • Exclusive Offers: Cardholders will receive members-only discounts, promotions, in-store events and giveaways.
  • Zero Liability Protection. You lot're non responsible for unauthorized charges made on your carte du jour.
  • Global Services. Get emergency assistance anytime, anywhere and in whatsoever language. This includes reporting a lost or stolen menu, obtaining an emergency card replacement or cash accelerate, finding an ATM and answering questions on your account.
  • ID Theft Protection. You lot tin opt in to this service that monitors your credit file for changes that could indicate fraud, sends you emergency alerts and can assign y'all a resolution specialist if fraud is detected.
  • Signature Events: Access to larn from expert outfitters and become behind-the-scenes with the top brands in the manufacture.
  • Price Match: If yous find an identical production currently being sold at a lower cost past another retailer within 100 miles of your local Bass Pro Shops or Cabela'due south shop, or on a qualifying website, we will lucifer that price at the time of purchase. Social club members will get an additional five% off the matched cost.

Fine Print

Involvement Rates

  • APR: fifteen.24% - 26.99% variable

Fees

  • Annual Fee: $0
  • Balance Transfer Fee: three% of the corporeality of each transferred balance that posts to your account at a promotional APR that nosotros may offer you.
  • Strange Transaction Fee: None
  • Cash Advance Fee: Either $10 or four% of the amount of each greenbacks advance, whichever is greater.
  • Card Intro Balance Transfer Fee: N/A

How The Card Stacks Upward

Capital I Bass Pro Shops Social club Credit Card vs. Ducks Unlimited Credit Card*

If you like the idea of a menu that celebrates the swell outdoors, consider the Ducks Unlimited Credit Menu*. The no-annual-fee card earns 1.v% unlimited cash back on restaurants and grocery stores and a portion will become to support wetlands conservation.

Unlike the Bass Pro Shops carte du jour which limits your earnings to redemptions for more than trade from the company, you have more options with the Ducks Unlimited Credit Card*.

Redemption options for the Ducks Unlimited Credit Card* include trade, souvenir cards/certificates, travel (flights, hotels and machine rentals) and cold hard cash (statement credit, ACH or bank check). One drawback: You tin only redeem your rewards in increments of $25, $50, $100, $250 and $ane,000, and then you'll take to expect until you squirrel away enough rewards to meet one of those thresholds.

Capital One Bass Pro Shops Guild Credit Menu vs. Chase Liberty Flex℠

Even if y'all spend nearly all of your disposable income on things related to the nifty outdoors, you lot might discover a card that rewards you for all of life's other expenses could yield greater rewards overall. Consider the Chase Liberty Flex card if y'all want a pumped-upwards earnings construction that covers a wide swath of expenses.

The Liberty Flex Card carries a $0 annual fee and earns 5% greenbacks back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards®, iii% on dining and drugstores and ane% on all other purchases. Earnings tin be taken in any corporeality at any time as a deposit to your eligible banking company account, to use for travel through Chase's portal, to buy gift cards or to Shop with Points on Amazon.

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

If keeping track of which carte to utilise at dissimilar times sounds like a chore, consider an like shooting fish in a barrel-to-earn, like shooting fish in a barrel-to-redeem carte du jour like the Citi® Double Cash Card. The card earns a straightforward ii% greenbacks back on all purchases—ane% when purchases are made and some other 1% when they're paid off. Information technology carries a $0 annual fee and your rewards can be taken as cash back, a statement credit, direct deposit, a check mailed to you or converted to Citi ThankYou points.

Compare Capital Ane Bass Pro Shops Carte du jour With Other Cards

Is The Carte du jour For You lot?

The Capital Ane Bass Pro Shops Carte du jour could be the right choice for someone who uses this carte du jour only for purchases inside the brand, is comfortable only being able to use the rewards to buy items from the retailer and doesn't mind using another carte on all other spending. But that's probable a pretty narrow channel for most. If y'all're looking for rewards that you can spend whatever way you'd like, go with some other option and let this card swim with the fishes.