Bass Pro Shops CLUB Card from Capital One: annual fee, APR and rewards

Fact sheet for the Bass Pro Shops CLUB Card, issued by Capital One, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Capital One
Network	Mastercard
Annual fee	$0
Rewards	Points: Earn 2% back in CLUB Points on purchases at Bass Pro Shops and Cabela's and 1% back in CLUB Points on purchases anywhere else Mastercard credit cards are accepted. Redeem CLUB Points for FREE GEAR at Bass Pro Shops and Cabela's. (Silver tier 3% with $10,000 annual spend; Black tier 5% with $25,000.)
Purchase APR	9.99% APR on Bass Pro Shops and Cabela's purchases; 19.74% - 30.74% variable APR on all other purchases
Balance transfer fee	3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Sign-up bonus	Receive $20 in CLUB Points upon approval. Earn $20 in CLUB Points after making 5 purchases anywhere Mastercard is accepted within 30 days of account approval. Earn another $20 in CLUB Points after 5 more purchases in the same timeframe.
Foreign transaction fee	None
Credit level	Excellent, Good

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 22.99%, with a range of 19.74% to 31.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.