Let's be honest: most store credit cards are just fancy ways to trick you into spending more. But the Bass Pro Shops CLUB Card? It's one of the rare ones that might actually save you money—especially if you're already dropping a few hundred bucks a year on tackle, ammo, or camping gear.

The cashier's probably asked you about it at checkout. Maybe you've wondered if it's worth the hassle. Here's the thing: with a $0 annual fee and some genuinely useful perks (including a price match guarantee that literally beats competitors), this card could pay for itself pretty quickly.

We're gonna break down exactly what you'd earn based on your actual spending—no marketing fluff, just the math.

What You Actually Get with the Bass Pro CLUB Card

Here's the no-brainer part: there's $0 annual fee. You're not paying to hold this card, which already puts it ahead of plenty of rewards programs out there.

The Bass Pro Shops CLUB Card works on a three-tier system—think of it like leveling up in a video game. The more you spend annually at Bass Pro Shops or Cabela's, the higher your earn rate climbs.

Important note: those spending thresholds reset every year. If you hit Silver status this year by spending $10,000, you'll need to spend another $10,000 next year to maintain it.

New cardholders can also snag up to $50 in CLUB points as a sign-up bonus:

• $20 when you're approved
• $10 after making two purchases at Bass Pro Shops or Cabela's
• $20 after making five purchases anywhere else (all within 30 days of approval)

How Much Are CLUB Points Really Worth?

Here's the straightforward answer: 100 points = $1. Each point is worth exactly one cent.

You can redeem your points like store credit at Bass Pro Shops, Cabela's, and even their restaurants and resorts. And here's the best part—your points don't expire as long as your account stays open and in good standing.

Beyond gear, CLUB points can be used at Bass Pro Shops attractions and experiences, including their resorts—which is a nice touch if you're planning a fishing or hunting trip.

The Price Match Guarantee That Beats Competitors by 5%

This is the underrated feature that makes the card worth having even if you're not a heavy spender.

CLUB members get Bass Pro's price match guarantee plus an additional 5% off the matched price. Wait, seriously? Yes, seriously.

You'll need to bring proof of the lower price from a qualifying competitor (check Bass Pro's official price match policy for the full list). Not every retailer qualifies, but major outdoor retailers typically do.

This perk alone makes the card useful for occasional shoppers. Even if you only buy one big-ticket item per year, that 5% beat could save you more than most cashback cards would earn you.

Who Should Get This Card (and Who Shouldn't)

You'll Love This Card If…

• You spend $500+ annually at Bass Pro or Cabela's—that's $10-$25 back with zero effort at the Classic tier alone
• You're eyeing a big-ticket item (boat, ATV, high-end gear) and want to stack points with the price match guarantee
• You already have good credit (typically 700+) and want a no-fee card for outdoor gear purchases

Skip This Card If…

• You rarely shop at Bass Pro/Cabela's—the 1% earn rate on other purchases is mediocre compared to general cashback cards
• You're rebuilding credit—this card typically requires a credit score of 700+ (the average approved score is around 682)
• You carry balances on non-Bass Pro purchases—the 19.49%-30.49% APR on other purchases is steep

Real-World Math: What You'd Earn Based on Your Spending

Let's cut to the chase and show you exactly what you'd earn at each tier based on realistic spending levels.

The jump from Classic to Silver means earning an extra $100 per year on $10,000 in spending. The jump to Black (at $25,000 spend) nets you an additional $500 compared to Classic.

Don't fall for the trap: these tiers reward your existing spending habits, not aspirational ones. Don't spend more just to hit a tier—that defeats the entire purpose of earning rewards.

The 9.99% APR on Bass Pro Purchases Is Actually Good

If you're financing a big purchase, the 9.99% APR on Bass Pro Shops and Cabela's purchases is unusually low for a store card.

That said, carrying a balance still costs you money. If you're financing a boat or ATV, this beats most cards—but paying in full is always smarter if you can swing it.

For purchases made anywhere else, the APR jumps to 19.49%-30.49% (variable, based on your creditworthiness), which is pretty standard but not great if you're carrying a balance.

How to Maximize Your CLUB Card Without Overspending

Here's how to get the most value out of this card without falling into the trap of spending more just to earn points:

1. Use it exclusively for planned Bass Pro/Cabela's purchases. Don't use it as a general spending card—the 1% earn rate elsewhere is mediocre compared to other cashback cards.
2. Always check for price matches before buying big-ticket items. That 5% beat on matched prices is one of the best perks, and it stacks with your CLUB points.
3. Time larger purchases strategically if you're close to a tier threshold. If you've spent $9,500 toward Silver and it's November, consider timing a planned purchase before year-end to hit the next tier. Just don't manufacture spending for this—it only makes sense if you were buying it anyway.
4. Redeem points strategically. Save them for high-value items or use them during sales to stretch your savings further. Since there's no minimum redemption, you can also use small amounts to knock a few bucks off everyday purchases.
5. Pay your balance in full every month. This one's non-negotiable. Interest charges will wipe out any rewards you've earned.

Bottom Line: Is It Worth It?

If you're already shopping at Bass Pro Shops or Cabela's a few times a year, this card is a no-brainer—$0 annual fee, decent earn rates, and that killer price match guarantee make it worth having in your wallet.

If you're a casual shopper (once or twice a year), it's probably still worth it for the price match perk alone. That 5% beat on matched prices could save you more on a single big purchase than you'd earn with most cashback cards.

If you never shop at Bass Pro or Cabela's, skip it. There are better general cashback cards out there that'll serve you better.

For frequent shoppers: Yes, absolutely get this card.
For occasional shoppers: Probably—the price match perk is legitimately useful.
For non-shoppers: No, look elsewhere.

Ready to apply? Check out the Bass Pro CLUB Card application page to get started. 

Frequently Asked Questions

What credit score do I need for the Bass Pro CLUB Card?

Typically, you'll need a credit score of 700 or higher for approval, though some users report getting approved with scores in the high 600s. The average approved score is around 682, but aiming for 700+ gives you a better shot.

Do Bass Pro CLUB points expire?

No, your CLUB points don't expire as long as your account remains open and in good standing. That means you can save them up for a big purchase without worrying about losing them.

Can I use my CLUB Card at Cabela's?

Yes—Bass Pro Shops and Cabela's are sister companies, and the card works at both stores. You'll earn the same rewards rates whether you're shopping at Bass Pro or Cabela's.

How does the price match guarantee work?

Bring proof of a lower price from a qualifying competitor (check the official price match policy for details), and Bass Pro will match it and take off an additional 5%. You'll still earn CLUB points on the purchase, too.

Looking for more ways to save at Bass Pro Shops? Check out the latest Bass Pro Shops coupons and deals on Groupon.