Review: Bass Pro Shops Credit Card

The Bass Pro Shops Outdoor Rewards MasterCard offers a points program that frequent Bass Pro Shops customers will likely appreciate. Our overview / review of all the card’s features is below:

The Bass Pro Shops credit card can be used at Bass Pro as well as at any retailer that accepts MasterCard credit cards. This is a plus — many retail credit cards restrict use to just one retail chain; this card can be used widely and can earn you rewards on any purchase you make, not just at Bass Pro Shops.

You will earn points based on where you use your card using the following formula:

  • Earn 5% for every dollar spent at Bass Pro Shops with the World MasterCard. (If your credit isn’t good enough and you are instead only approved for the Bass Pro Platinum Plus MasterCard, you’ll only get 3% on Bass Pro purchases.)
  • Earn 1% for every dollar spent with the card anywhere else.

One slightly complicating feature of the card is that the 5% and 1% are actually given out as points, and each point is the equivalent of 2 cents. So, for every dollar you spent, you are actually getting either 2.5 points (5%) or .5 points (1%). Not sure why they do it this way, as most rewards programs give you 1 point per dollar and make each point worth one penny. It’s the same thing, but more confusing.

Anyway, you can use your points toward Bass Pro Shops merchandise whenever you reach $10 in earnings (which equals 500 points).

There is also a one-time only offer for new cardholders: if you spend at least $100 with the card within 90 days of being approved, you will get a $50 Bass Pro gift card.

There is no annual fee for the Bass Pro Shops MasterCard, and the interest rate could be as low as 13.49%, though if your credit is not so hot you could also be approved at a rate as high as 23.49%. Because of these high rates, we always advise that you should only get this or any other reward card if you are sure you’ll pay off your full balance each month. Otherwise, the interest you pay will essentially cancel out any rewards you receive.

The Bass Pro Shops Outdoor Rewards MasterCard is issued in partnership with Bank of America. You can apply in a Bass Pro Shops store or apply online for the card via this application.