Capital One CLUB Business Mastercard® is designed for business owners who run outdoor sports businesses, including fishing, boating, and camping. If you frequently shop at Bass Pro Shops and Cabela’s, you can enjoy a special annual percentage rate (APR) on your purchases without paying an annual fee. Additionally, you can use your card to make business-related purchases anywhere Mastercard is accepted.
Capital One Bass Pro Shops and Cabela’s CLUB Business Mastercard®
BEST FOR:
Those who are owners of outdoor sports businesses
- 5% back in CLUB points at Bass Pro Shops and Cabela’s
- 2.5% back in CLUB points at participating Cenex® convenience stores
- 1.5% back in CLUB points on all other purchases
Pros
- Charges $0 annual fees
- Comes with a welcome offer
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Both the low ongoing APR and premium rewards are only limited on purchases made at Bass Pro Shops and Cabela’s
- Offers lmited redemption options
- Payment flexibility: You can choose your preferred monthly due date, letting you control when you want to pay your pending bills.
- Employee cards: Track employee spending by setting customized spending limits and monitoring transactions the moment they are posted.
- Purchase records: You can quickly secure and download purchase records in multiple formats — including Quicken®, QuickBooks®, and Excel®.
- 5% back in CLUB points at Bass Pro Shops and Cabela’s
- 2.5% back in CLUB points at participating Cenex® convenience stores
- 1.5% back in CLUB points on all other purchases
Pros
- Charges $0 annual fees
- Comes with a welcome offer
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Both the low ongoing APR and premium rewards are only limited on purchases made at Bass Pro Shops and Cabela’s
- Offers lmited redemption options
- Payment flexibility: You can choose your preferred monthly due date, letting you control when you want to pay your pending bills.
- Employee cards: Track employee spending by setting customized spending limits and monitoring transactions the moment they are posted.
- Purchase records: You can quickly secure and download purchase records in multiple formats — including Quicken®, QuickBooks®, and Excel®.
When grading business rewards business credit cards like the Capital One CLUB Business Mastercard®, we rate the ongoing and introductory rewards the highest. We also consider the introductory and ongoing APRs, annual fees, other fees, and additional features.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Introductory Rewards | 15 | 20 |
Ongoing Rewards | 15 | 20 |
Introductory APR | 0 | 15 |
Ongoing APR | 12 | 15 |
Additional Features | 7 | 10 |
Annual Fee | 10 | 10 |
Other Fees | 8 | 10 |
Total Score | 67 | 100 |
Who the Capital One CLUB Business Mastercard® Is Best For
- Owners of outdoor sports businesses: This card is great to be used at Bass Pro Shops and Cabela’s—both of which sell outdoor recreation merchandise.
If this card doesn’t fit the bill, then see our recommended alternatives below.
Capital One CLUB Business Mastercard® Rewards
- Earn $100 in CLUB points after spending $1,000 on purchases within 60 days of account approval
- 5% back in CLUB points at Bass Pro Shops and Cabela’s
- 2.5% back in CLUB points at participating Cenex® convenience stores
- 1.5% back in CLUB points on all other purchases
Capital One CLUB Business Mastercard® Calculator
Find out how much you can earn from the Capital One CLUB Business Mastercard® based on your estimated monthly expenses. Our rewards calculator will compute your potential rewards—just enter your expected monthly spending, and our calculator will do the rest.
How To Redeem Capital One CLUB Business Mastercard® Rewards
You can use rewards to make purchases at Bass Pro Shops, Cabela’s, and BPS Resorts—including Big Cedar Lodge—restaurants, golf courses, and the Wonders of Wildlife Aquarium. Note that earned CLUB points don’t expire so long as the account is active.
Capital One CLUB Business Mastercard® Features
Account Management
- Payment flexibility: You can choose your preferred monthly due date.
- Year-end summaries: Get an itemized report of your spending to help simplify budgeting and tax time.
- Purchase records: You can secure and download purchase records quickly in multiple formats—including Quicken®, QuickBooks®, and Excel®.
- Employee cards: Track employee spending by setting customized spending limits, monitoring transactions, and assigning account managers to make purchases and payments.
- Price match: If any price currently being offered by a local retailer or on a qualifying website is lower than the price offered by the Bass Pro Shops and Cabela’s, the Capital One CLUB Business Mastercard® will beat the price by 5% for the CLUB members at the time of purchase. Certain exclusions and limitations apply, as stated in the terms and conditions that come with your card.
Service & Protection
- Fraud alerts: You can receive an email or text message if Capital One detects a potential mistake or unexpected charge on your account.
- $0 fraud liability: You won’t be held responsible for unauthorized charges if your card’s or employees’ cards are lost or stolen.
- Customer support: Capital One has servicing agents ready to work with you and address any questions.
Capital One CLUB Business Mastercard® Fees
APRs
- Introductory: None
- Ongoing on purchases made at Bass Pro Shops and Cabela’s: 7.99%
- Ongoing on other purchases and transfers: 20.49%, 23.49%, or 32.24% variable, which adjusts with the prime rate
- Cash advance: 32.24% variable, which adjusts with the prime rate
- Penalty: 34.65% variable, which adjusts with the prime rate; will apply to your account if you make a late payment
Fees
- Annual: None
- Balance transfer: 3% of the amount of each transferred balance that will be posted to your account
- Foreign transaction: None
- Cash advance: Either $3 or 3% of the amount of each cash advance, whichever is greater
- Late payment: Up to $40
Your due date is at least 25 days after the close of each billing cycle.
- Capital One Mobile: Use the app to ensure you pay your balances in full each month.
- Phone: Call (800) 227-4825 or the number on the back of your credit card.
- Online: Log into your Capital One account and select “Make a payment.”
- Nearest Capital One bank: Visit the nearest Capital One branch.
- Mail: Send a check by United States mail using this address:
Capital One
Attn: Payment Processing
PO Box 71083
Charlotte, NC 28772-1083
- Overnight: When sending overnight, use this address:
Capital One
Attn: Payment Processing
6125 Lakeview Rd., Ste. 800
Charlotte, NC 28269
Capital One CLUB Business Mastercard® Alternatives
American Express Blue Business Cash
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply.
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply.
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
When To Consider American Express Blue Business Cash
- You are intending to spend beyond your credit limit: It offers expanded buying power, which allows you to exceed your credit limit after meeting certain conditions.
Other Benefits
- Offers 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back after the purchase cap is met
- Charges $0 annual fee
- Lets you add employee cards at no additional cost
Its ability to let you spend beyond your credit limit, fixed-rate cash back rewards, and 0% introductory period is why this is our leading cash back business credit card and one of our best small business credit cards. See our guide to the top-recommended American Express business credit cards for more options from the issuer.
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases 
U.S. Bank Business Platinum Card
Pros
Cons
Pros
Cons
When To Consider U.S. Bank Business Platinum Card
- You are planning to make large purchases and/or significant transfers: It offers a 0% introductory period on purchases for the first 18 billing cycles.
Other Benefits
- Lets you pay off your balances over time by dividing your credit card purchases into affordable monthly payments with no interest through the ExtendPay® plan
- Offers a one-step tool to view account balance and transaction details and other features with the SingePoint® Essentials
- Provides fraud protection to ensure the cardholders’ safety and security
While it does not offer rewards for its new and existing cardholders, its long 0% introductory period is why this is our best business credit card for balance transfers and one of our most recommended sole proprietorship business credit cards. Check our list of the best U.S. Bank business credit cards for more options.
Bottom Line
Capital One CLUB Business Mastercard® is a great option if you own or run an outdoor sports business. You can enjoy rewards and perks at the Bass Pro Shops and Cabela’s and their subsidiaries. Remember that you can only use rewards in these shops and not as a statement credit. Other business credit cards offer a long 0% introductory APR period, have a fixed cash back rewards system, and let you spend over your spending limit.
