Capital One
Bass Pro Shops CLUB Card Review 2026
Capital One co-branded Mastercard with a 9.99% promotional APR on Bass Pro Shops and Cabela's purchases.
Who Bass Pro Shops CLUB Card is best for
Bass Pro Shops or Cabela's regulars who want a lower APR on in-store gear purchases.
At a glance
- Annual fee
- $0
- Purchase APR at Bass Pro/Cabela's
- 9.99% APR
- Purchase APR elsewhere
- 19.49%–30.49% variable
- Bass Pro/Cabela's rewards rate
- 2% back
Per Capital One, verified Aug 2026
Verified Aug 2026 — the card's headline promotional rate
Applies to non-Bass Pro/Cabela's purchases and to balance transfers
On Bass Pro Shops & Cabela's purchases, per Capital One
Pros
- +9.99% fixed-style promotional APR on purchases at Bass Pro Shops and Cabela's — well below Capital One's typical retail-card APR range
- +$0 annual fee
- +Up to $60 in CLUB Points as a welcome bonus: $20 upon approval, $20 after 5 purchases within 30 days, another $20 after 5 more purchases in the same window
- +Unlimited CLUB Points redeemable for free gear, with no earning cap disclosed
Cons
- −The 9.99% rate is Bass Pro/Cabela's-purchase-only — spend anywhere else on the card and the APR jumps to 19.49%-30.49% variable
- −Cash advance APR is 30.49% variable, with a $5-or-5% cash advance fee
- −2% back is modest next to dedicated 2%+ flat-rate cash-back cards for non-Bass-Pro spend
- −Capital One doesn't publish a minimum FICO threshold beyond the general Good-Excellent Credit tier label
Bass Pro Shops CLUB Card requirements
- Good-Excellent credit typical for approval, per Capital One's card tier label
- US residents 18+
- Hard credit pull required
Bass Pro Shops CLUB Card alternatives
Top alternatives worth comparing from Bass Pro Shops & Cabela's CLUB Card: Complete 2026 Guide.
Capital One
Cabela's CLUB Card
Same terms under the Cabela's brand name — pick whichever store you shop more often
Not sure which card fits?
Answer 3 quick questions and get matched to the right card type for your spending profile.
Find your card type — 60-second quiz→The full lineup
See all picks in Bass Pro Shops & Cabela's CLUB Card: Complete 2026 Guide
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Bass Pro Shops CLUB Card scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Bass Pro Shops or Cabela's regulars who want a lower APR on in-store gear purchases.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Bass Pro Shops CLUB Card
What's the APR on the Bass Pro Shops CLUB Card?+
Purchases at Bass Pro Shops and Cabela's carry a 9.99% APR. Purchases made anywhere else Mastercard is accepted — plus balance transfers — carry a 19.49%-30.49% variable APR depending on creditworthiness. Cash advances carry a 30.49% variable APR. All figures per Capital One, verified August 2026.
How do CLUB Points work on the Bass Pro Shops CLUB Card?+
Cardholders earn 2% back on Bass Pro Shops and Cabela's purchases in CLUB Points, redeemable for gear with no stated cap. New cardholders can also earn up to $60 in CLUB Points: $20 upon approval, another $20 after 5 purchases anywhere Mastercard is accepted within 30 days of approval, and a final $20 after 5 more purchases in that same window, per Capital One's terms.
Is ClearValue Lending a bank or card issuer?+
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the Bass Pro Shops CLUB Card. The card is issued by Capital One. Rates, fees, and terms are determined solely by the issuer and may change — verify current terms at capitalone.com before applying.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.
https://clearvaluelending.com/reviews/bass-pro-shops-club-card