Bass Pro Shops CLUB Card Review (2026): Worth It for Anglers?

I signed up for the Bass Pro Shops CLUB Card the way most people do: at the register, buying a trout rod for fishing California’s lakes. The cashier offered it, the points sounded good, and I had the card before I left the store.

Here’s the honest verdict after carrying it: for the rewards alone, it’s a wash. You earn 2% in CLUB Points at Bass Pro Shops and Cabela’s, which is exactly what a flat 2% cash-back card earns anywhere — except those points can only be spent back at Bass Pro or Cabela’s. So if points are all you care about, this card doesn’t beat what you probably already carry.

What actually makes it worth keeping are three things that aren’t the points: a surprisingly low 9.99% APR on Bass Pro and Cabela’s purchases, CLUB Points that never expire, and the fact that it’s a Capital One card. Let me walk through it.

What the card actually is

The Bass Pro Shops CLUB Card is a Capital One Mastercard, not a closed-loop store card — so it works anywhere Mastercard is accepted, not just at the store. (The Cabela’s CLUB Card is the exact same card under a different name; both work at both retailers.) Rewards run through the CLUB program, and there’s $0 annual fee and None foreign transaction fee.

The CLUB program has three tiers based on annual spend: Classic (the default, 2% at Bass Pro/Cabela’s), Silver (3%, after $10,000/year), and Black (5%, after $25,000/year). Most cardholders sit at Classic.

How the rewards work

You earn 2 points / $1 (2% back; up to 3% Silver / 5% Black) at Bass Pro Shops and Cabela’s, and 1 point per $1 everywhere else. Every 100 CLUB Points equals $1, so the Classic rate works out to 2% back in-brand and 1% back on everything else.

The catch is redemption: CLUB Points can only be spent at Bass Pro Shops or Cabela’s — though that does include big-ticket gear like boats and ATVs, plus Bass Pro’s resorts and restaurants through “Pay with CLUB Points.” The big upside is that points never expire on an open account — rare for a store card, and a real edge over programs like the Ross Mastercard, whose reward certificates expire just 60 days after they’re issued.

New cardholders currently get a Up to $60 in CLUB Points ($20 on approval + $20 after 2 in-brand purchases + $20 after 5 purchases elsewhere, within 30 days) welcome bonus — it’s CLUB Points, not cash, and offers change, so confirm the current one before applying.

The math: the points just tie a flat 2% card

At Classic status, 2% at Bass Pro matches a flat 2% card — but the CLUB Points are locked to the store, while a flat card pays cash you can spend anywhere. Step outside Bass Pro and the rate drops to 1%, so you start losing:

Even the higher tiers struggle to beat a flat 2% card unless almost all your spending is in-brand. Take the NerdWallet example: put $25,000 on the card with $5,000 at Bass Pro, and at Black status (5% in-brand, 1% else) you earn $450 — versus $500 from a flat 2% card like Wells Fargo Active Cash on the same spend. You’d need to hit Silver or Black and concentrate your spending at Bass Pro for the rewards to pull ahead.

Bottom line on rewards: don’t get this card to earn points. A flat cash-back card earns the same or more, in cash, anywhere.

The 9.99% APR is the real standout

Here’s the feature that actually sets this card apart from other store cards: purchases at Bass Pro Shops and Cabela’s get a 9.99% APR. For a store card, that’s remarkably low — most charge 30% or more.

It matters if you ever finance a big outdoor purchase. Say you put a $2,000 kayak-and-gear haul on the card and carry it for a year: at 9.99% that’s about $200 in interest, versus roughly $610 on a typical 30% store card. That’s a real $400 difference on a big-ticket buy.

The important caveats: that low rate only applies to Bass Pro and Cabela’s purchases. Everything else runs at 19.49%–30.49%, depending on your credit. And carrying any balance still costs more than the 2% you earn — paying in full every month is always the move. But if you’re going to finance gear anyway, 9.99% is genuinely better than what almost any other store card offers.

My experience: the Capital One part is underrated

Two things stood out for me. First, signing up was effortless — done at the register while I was buying that trout rod, approved on the spot with a $500 limit to start.

Second, and this is the part I didn’t expect to care about: because it’s a Capital One card, it lives in the Capital One app right next to my other Capital One cards. One login to see everything, lock the card in a tap, pull up a virtual card number, pick my own due date. After dealing with the clunkier servicing on other store cards I’ve held, having Bass Pro run on Capital One’s app is a quiet but real upgrade — it’s the kind of thing you only appreciate once you’ve used the alternatives.

The CLUB perks are a nice bonus too: member pricing, special events, and a price-match guarantee that beats a competitor’s lower price by 5%.

Who should get it

Get the Bass Pro Shops CLUB Card if:

• You shop Bass Pro Shops or Cabela’s regularly, or you’re planning a big-ticket gear or boat purchase you might finance (that 9.99% APR is the reason).
• You pay general spending in full every month.
• You value never-expiring points and managing the card in the Capital One app.

Skip it if:

• You want rewards you can spend anywhere — CLUB Points are Bass Pro/Cabela’s only.
• You’re a casual shopper. Outside the store the 1% rate loses to a flat 2% card, and you won’t reach the 3%/5% tiers.
• You’d carry a balance on non-store purchases, where the APR climbs to 19.49%–30.49%.

It needs good credit (670+), though in-store approvals like mine are common, and there’s $0 annual fee — so it costs nothing to keep for your Bass Pro runs once you have it. If you want a Capital One card that earns everywhere instead, the Capital One Quicksilver is the flexible counterpart, and among store cards the Nordstrom Visa plays a similar role for a different crowd.

Bottom line

The Bass Pro Shops CLUB Card is a better store card than most — not because of the rewards, which a flat 2% card matches, but because of the 9.99% in-store APR, points that never expire, and Capital One’s servicing. If you’re a real Bass Pro or Cabela’s shopper, especially one who buys big gear, it earns its place in the wallet. If you’re not, a flat cash-back card does more, in cash, everywhere you shop. For how it ranks against other retailers’ cards, see our best store credit cards guide.