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Bass Pro Shops and Cabela’s CLUB Business Mastercard®, issued by Capital One, is ideal for business owners who run outdoor sports businesses, including fishing, boating, and camping. It offers premium cash back and a special APR on your purchases at Bass Pro Shops and Cabela’s. Additionally, it charges $0 annual fees and lets you earn rewards on other 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 Bass Pro Shops and Cabela’s 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 Bass Pro Shops and Cabela’s 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.
Capital One Bass Pro Shops and Cabela’s CLUB Business Mastercard® Rewards
- $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
Rewards Calculator
Find out how much you can earn from the Capital One Bass Pro Shops and Cabela’s 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 Rewards
You can redeem your earned rewards to make purchases at Bass Pro Shops and Cabela’s. Note that earned CLUB points don’t expire so long as the account is active.
Capital One Bass Pro Shops and Cabela’s CLUB Business Mastercard® Features
Account Management
- Payment flexibility: 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: 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.
Exclusive Perks
- 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, this card 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.
- Exclusive CLUB perks: Access perks like in-store events, extra point offerings, CLUB Member-only discounts, and giveaways.
Service & Protection
- Fraud alerts: Receive an email or text message if Capital One detects a potential mistake or unexpected charge on your account.
- $0 fraud liability: Get peace of mind because you won’t be held responsible for unauthorized charges if your card’s or employees’ cards are lost or stolen.
- Customer support: Access servicing agents ready to work with you and address any questions.
Capital One Bass Pro Shops and Cabela’s 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: $0
- Balance transfer: 3% of the amount of each transferred balance that will be posted to your account
- Foreign transaction: $0
- 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 Bass Pro Shops and Cabela’s 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, 17.49% – 27.49%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- 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, 17.49% – 27.49%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- 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.)
If you intend to spend beyond your credit limit, you will benefit from this card’s Expanded Buying Power feature. It lets you go over your credit limit based on your credit usage, credit score, payment behavior, and other financial factors. On top of that, you’ll earn up to 2% cash back that will be automatically credited to your statement balance. Also, you’ll enjoy $0 annual fees, 0% purchase APR for the first 12 billing cycles, and a generous welcome offer when you meet the spend requirements.
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BEST FOR:
Businesses with excellent credit that want a lower ongoing APR
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
Pros
- $0 annual, transfer, and foreign transaction fees
- Includes a welcome bonus offer
- Protection for lost or stolen cards
- Downloadable purchase records for easy bookkeeping
Cons
- No 0% Intro APR offer
- Requires an excellent credit score
- Lacks premium perks
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Downloadable purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
- Exclusive deals at Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
Pros
- $0 annual, transfer, and foreign transaction fees
- Includes a welcome bonus offer
- Protection for lost or stolen cards
- Downloadable purchase records for easy bookkeeping
Cons
- No 0% Intro APR offer
- Requires an excellent credit score
- Lacks premium perks
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Downloadable purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
- Exclusive deals at Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
This Capital One alternative charges $0 annual fees and lets you earn up to 5% cash back on your purchases. It also offers a $500 cash bonus if you can spend at least $4,500 within the first three months of opening an account. Note that you need to have an excellent credit score to qualify.
U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
If you are planning to make large purchases, this card is your best bet. With its 18-month-long 0% purchase APR, you can save on credit costs while you pay off your balance. Plus, it has $0 annual fees and features ExtendPay® Plan, which lets you pay off your eligible balance over time with zero interest (just a small monthly fee).
Frequently Asked Questions (FAQs)
The special rate of 7.99% is only applicable on purchases made with Bass Pro Shops and Cabela’s, including in-store, online, over the phone, and with Signature Events.
Bass Pro Shops and Cabela’s will beat the prices offered by any local retailer or qualifying website by 5% for CLUB Members.
Yes, Capital One offers eight business credit cards with different perks and benefits. You can either earn cash back or miles rewards, and they come with $0 to low annual fees, helping your business save on credit costs. What’s more, it only takes around 10 minutes to apply for a Capital One business credit card. To get the most benefits, make sure to choose the card with rewards and features that are valuable to your company.
Bottom Line
Capital One Bass Pro Shops and Cabela’s 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. You may also want to consider other business credit cards that offer a long 0% introductory APR period, have a fixed cash back rewards system, and let you spend over your spending limit.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
