Capital One Bass Pro Shops and Cabela's CLUB Business Card Review: Great rewards for outdoor businesses
If your business regularly spends at Bass Pro Shops or Cabela's, the Capital One CLUB Business card could be rewarding. Earn 5% back in points at these retailers, plus get a $75 welcome bonus!
| Annual Fee | $0.00 |
| Sign-up Bonus | Up to $75 in CLUB Points |
| Rewards Rate | 1.5%-5% Points Back |
| Regular APR | Purchases made with Bass Pro Shops and Cabela’s will qualify for a 7.99% APR. |
Overview
For business owners who frequently stock up at Bass Pro Shops or Cabela's, this card's rewards structure is hard to beat. It offers an impressive 5% back in CLUB Points on all purchases at these outdoor retailers, plus a respectable 1.5% back on everything else. The main thing to know is that your earnings come as CLUB Points, which can only be redeemed for merchandise at Bass Pro Shops and Cabela's. New cardholders can also earn a welcome bonus of $75 in points after meeting the initial spending requirement.
Beyond the rewards, the card delivers solid value with no annual fee and no foreign transaction fees, making it a cost-effective choice for businesses that purchase supplies internationally. It also comes equipped with essential business management tools, including free employee cards with customizable spending limits, which helps streamline expense tracking. While purchases at the co-branded stores qualify for a low 7.99% APR, the standard interest rate on other purchases can be high, so it's best suited for those who pay their balance in full each month.
Ultimately, the Bass Pro Shops and Cabela's CLUB Business card is a specialized tool designed for a specific audience. If your business's budget includes regular spending on outdoor gear, hunting supplies, or boating equipment from these stores, the high rewards rate makes this card a compelling option. However, businesses seeking flexible cash back or travel rewards that can be used anywhere would be better served by a more general-purpose business card.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate
- Bonus rewards on specific categories
- No foreign transaction fees
- Business management tools
Things to consider
- No intro APR period
- Requires good or excellent credit
- Limited rewards redemption options
- Rewards focused on specific merchants
Benefits
Stellar Rewards for Store Loyalists
The main draw of the Bass Pro Shops and Cabela's CLUB Business card is its exceptional rewards rate for loyal customers. You'll earn an impressive 5% back in CLUB Points on all purchases made at Bass Pro Shops and Cabela's, whether in-store or online. This high rate is a significant advantage for businesses that regularly purchase outdoor equipment, supplies, or apparel from these retailers. For all other spending, the card offers a solid 1.5% back in points everywhere Mastercard is accepted, making it a competitive flat-rate card for everyday business expenses.
Practical and Cost-Effective Business Perks
Beyond its rewards structure, this card is built with practical business needs in mind, starting with its $0 annual fee. New cardholders can also earn a welcome bonus of $75 in CLUB Points after spending $1,000 within the first 60 days—a nice, easily attainable perk. The card also eliminates foreign transaction fees, a valuable benefit for businesses that make international purchases. Furthermore, it offers free authorized employee cards with customizable spending limits, allowing you to easily track expenses and manage team spending without any extra cost. A standout feature is the special 7.99% APR on all Bass Pro Shops and Cabela's purchases, which can provide significant savings if your business needs to finance a large equipment purchase over time.
Drawbacks
The primary drawback of this card lies in its rewards structure. While the 5% back on Bass Pro Shops and Cabela's purchases is compelling, all rewards are issued as CLUB Points, which can only be redeemed at those two retailers. This lack of flexibility is a significant limitation for any business that isn't a frequent and dedicated customer of these stores. Businesses seeking versatile cash back or travel rewards that can be used anywhere will find more value in a general-purpose business card.
Furthermore, the sign-up bonus is modest for a business credit card. Earning $75 in CLUB Points after spending $1,000 is a relatively small welcome offer, and the bonus is subject to the same redemption restrictions. While the card offers an attractive 7.99% APR on purchases made at Bass Pro Shops and Cabela’s, the standard APR for all other purchases can be high, making it a potentially expensive option for business owners who need to carry a balance on non-store spending.
Decision Guidance
This card is a powerful tool for businesses that frequently purchase equipment or supplies from Bass Pro Shops and Cabela's, as the 5% rewards rate on that spending is difficult to top. However, since earnings are locked into store-specific points, companies seeking flexible cash back or travel rewards will be better served by a general-purpose business card.
Summary
The Bass Pro Shops and Cabela's CLUB Business card is a highly specialized tool that offers exceptional value, but only for a very specific type of business. If your company's operations require frequent and significant spending at these outdoor retailers, the high rewards rate on those purchases is essentially a built-in discount funded by store credit. For any business seeking flexible cash back or travel rewards, however, the card's restrictive redemption options make a general-purpose business card a much better choice.