Bass Pro Shops CLUB Mastercard: Earn Rates and Rewards Guide

Bass Pro Shops CLUB Mastercard: Earn Rates and Rewards Guide

When Bass Pro Shops bought Cabela's in 2017, the two outdoor retailers didn't fold their credit card programs together overnight. For a stretch, a Bass Pro shopper and a Cabela's shopper were carrying cards built on different rails, run through separate rewards math — a leftover from two companies that had spent decades as competitors rather than siblings. That changed in 2018, when the combined company picked Mastercard to run a single network for both portfolios, converting Cabela's CLUB card onto the same rails Bass Pro Shops already used. The result today is one card — the Bass Pro Shops CLUB Mastercard, issued by Capital One — that earns and redeems the same way whether the receipt says Bass Pro Shops or Cabela's. This post covers how the card's tiered earn structure actually works, where points add up fastest, how the welcome bonus is put together, and what redeeming CLUB Points looks like once you've earned some.

Card Overview

The Bass Pro Shops CLUB Mastercard is issued by Capital One, N.A., under a license from Mastercard International — the same 2018 arrangement that unified the Bass Pro and Cabela's loyalty portfolios onto one network. Capital One's own card page lists the credit requirement as good-to-excellent, and applicants can check their eligibility before applying without a hard pull affecting their credit score. There's no annual fee, and Capital One's FAQ confirms there's no foreign transaction fee either, which matters for anyone who orders gear while traveling internationally or books one of the brand's outdoor adventure trips abroad.

One detail that's easy to miss: purchases made directly at Bass Pro Shops or Cabela's — in-store, online, by phone, or through the brand's Signature Events — carry their own reduced 9.99% APR, distinct from whatever the card's standard purchase APR happens to be on spending elsewhere. That's a meaningful difference from most co-branded retail cards, which typically apply one flat purchase rate across every category. It doesn't change the case for paying the statement in full each month, but it does mean a balance carried specifically on a Bass Pro or Cabela's purchase costs less in interest than the same balance carried on an unrelated purchase made with the same card.

The Three CLUB Tiers: Classic, Silver, and Black

The card's rewards structure runs on three tiers, and which one applies is driven entirely by how much a cardholder spends at Bass Pro Shops and Cabela's over a year — not by income, credit line, or anything else. Classic is the entry tier every new cardholder starts on: it has no annual spend requirement and earns 2% back in CLUB Points on qualifying purchases. Clear $10,000 in annual spend at Bass Pro Shops and Cabela's and the account moves to Silver, which earns 3% back on those same purchases. Clear $25,000 and the account reaches Black, the top tier, earning 5% back.

Those thresholds are worth sitting with before assuming the card earns 5% out of the box — it doesn't, for the overwhelming majority of cardholders. A $25,000 annual spend requirement at a single retailer is a serious amount of gear, and realistically the rate most cardholders will actually earn, at least in their first year, is the 2% Classic rate. The 3% and 5% tiers exist and are real, but they're conditional on spend a casual or even a fairly regular shopper is unlikely to hit purely on rods, waders, and ammunition.

Where CLUB Points Add Up Beyond the Checkout Counter

The tiered rate isn't limited to the two retailers' cash registers. Bass Pro Shops' own support documentation lists a specific set of locations where the Classic, Silver, or Black rate applies: Bass Pro Shops and Cabela's retail stores, Basspro.com and Cabelas.com, Big Cedar Lodge, Big Cypress Lodge, the Wonders of Wildlife National Museum and Aquarium, the brands' affiliated restaurants, Top of The Rock, Angler's Inn, Tracker Marine Boat Centers, Signature Events, and Worldwide Trophy Adventures. That's a wider net than most co-branded retail cards cast — it reaches hospitality and experience spending tied to the brand, not just merchandise purchases.

Outside that list, every other purchase made anywhere Mastercard is accepted — groceries, gas, a restaurant unrelated to Bass Pro or Cabela's — earns a flat 1% in CLUB Points, regardless of which tier the account has reached. That floor rate applies uniformly across Classic, Silver, and Black, so the tier only changes what happens on in-network spending; general everyday purchases earn the same modest return no matter how much a cardholder has spent at Bass Pro or Cabela's that year.

Welcome Bonus and Earning Your First Points

Capital One structures the sign-up bonus in three separate steps rather than a single lump payout. A new cardholder receives $20 in CLUB Points immediately upon approval. A second $20 arrives after five purchases made anywhere Mastercard is accepted, within 30 days of account approval. A third $20 arrives after five more purchases in that same 30-day window — bringing the total available welcome bonus to $60 in CLUB Points, provided all three conditions are met on schedule. It's worth reading that structure carefully, since it rewards early card activity broadly rather than requiring the first purchases to be made specifically at Bass Pro Shops or Cabela's.

Once points are earned, there's no expiration clock working against a cardholder, as long as the account stays open — Capital One's FAQ states plainly that CLUB Points never expire for open accounts. That's a meaningfully simpler structure than loyalty programs that force redemption within a set window or devalue a balance that sits unused for too long.

Redeeming CLUB Points

Redemption happens directly at Bass Pro Shops and Cabela's, in stores or online, and it covers more than small accessories — Capital One's own FAQ specifically confirms CLUB Points can be redeemed toward big-ticket purchases including boats and ATVs, not just rods and boots. In-store, redemption is as simple as telling an associate at checkout how many points to apply; online, it means logging into a linked Bass Pro Shops or Cabela's account and entering the card details during checkout.

Price Match and Everyday Card Perks

Beyond the points themselves, Capital One's FAQ describes a price-match commitment that goes further than most retailers offer: Bass Pro Shops and Cabela's will match any current price from a local retailer or a qualifying website, and for CLUB Members specifically, they'll beat that price by 5% rather than simply matching it. Full details on which purchases qualify are posted at basspro.com/club. Day-to-day account management runs through Capital One's mobile app, which lets a cardholder check card balances, track how close they are to the next tier, lock a misplaced card instantly, and schedule autopay so a payment is never missed — useful given how the 9.99% in-network APR and the standard APR elsewhere can otherwise create confusion about which rate applies to a given balance.

Key Benefits for Catalog Shoppers

• One card, two retailers — since the 2018 Mastercard network unification, the same CLUB balance and tier status apply at both Bass Pro Shops and Cabela's; there's no separate "Cabela's card" to choose instead.
• No annual fee, no foreign transaction fee — a low-cost card to hold even for a shopper who orders from Bass Pro or Cabela's only occasionally.
• Points redeemable for big purchases, not just accessories — CLUB Points apply toward boats and ATVs, not only smaller merchandise.
• A reduced APR on in-network purchases — 9.99% specifically on Bass Pro Shops and Cabela's purchases, lower than most cards' standard purchase rate.
• No expiration on points — a balance sits safely on an open account with no countdown clock.

How to Apply

Applications run through Capital One's own Bass Pro Shops CLUB card page, which offers a "Check My Eligibility" prequalification step Capital One states won't affect a credit score, ahead of the full application. Capital One lists the credit requirement as good-to-excellent, so it's worth checking eligibility first rather than applying cold. Approval also unlocks the initial $20 CLUB Points bonus described above, with the remaining $40 tied to purchase activity in the first 30 days.

Bottom Line

The Bass Pro Shops CLUB Mastercard is a straightforward fit for a shopper who already spends regularly at either Bass Pro Shops or Cabela's and wants that spending to earn something back with no annual fee attached — the 2026 version of the card genuinely treats both retailers as one program, a real simplification from the pre-2018 split. The catch is the ceiling: the advertised 5% rate is real but requires $25,000 in annual spend to reach, and most cardholders will realistically sit at the 2% Classic rate or the 3% Silver rate. For anyone whose outdoor-gear spending is modest, that 2% baseline, paired with no annual fee and points that never expire, is a reasonable, low-effort reward rather than a headline one — and for a household that genuinely spends heavily across both brands' stores, restaurants, and lodges each year, climbing to Silver or Black turns this into one of the stronger single-retailer rewards rates available.

References

• Bass Pro Shops CLUB Mastercard — Capital One
• Where can I earn CLUB Points — Bass Pro Shops Help
• Bass Pro Shops & Cabela's Select Mastercard as Network Partner for Combined Co-Brand Portfolio