Apply For Bass Pro Shops Credit Card or Not? (Review)

Whether it’s fishing, hunting, or camping, Bass Pro Shops has it all. Heck, we even bought one of their pontoon boats for sale a few summers back. Whether your purchases are large or small, you may have been asked to fill out a Bass Pro Shops credit card application… but is that a good idea or not?

Let’s review the pros and cons of their Visa card. I’ve updated this list for 2013…

The cons…

  • Mediocre Interest Rates – At the time of writing the APRs ranged from 12.99% to 20.99% depending on your credit. This range isn’t horrible, but you certainly wouldn’t want to pay that kind of interest rate on a big purchase like a bass tracker boat!
  • Not The Best Rewards – The 4% on Bass Pro Shops branded merchandise (like Bass Pro Shops brand, RedHead, Offshore Angler, etc.) is fairly good. However the 2% you get on other purchases from them is disappointing for a store card. The 1% you earn elsewhere is typical these days.
  • Not The Best Signup Offer – It is nice to see that they were giving a $50 gift card for giving their credit card, but there are a lot better promotional offers out there. In fact, there are a handful of cards that give you double that – a $100 bonus – just for signing up. So while the Bass Pro Shops credit card offer is good, it’s not the best.
  • Lack of Other Store Benefits – A lot of store affiliate credit cards I see throw in things like free shipping, free monogramming, etc. for cardmembers, however I see no mention of any special store benefits like this for the Bass Pro Shops card.

The Pros…

  • No Annual Fee
  • Rewards – The card has a decent rewards program. It gives 1% on regular purchases, 2% on purchases at their stores (4% on the Bass Pro Shops branded merchandise). The points can be redeemed for store purchases, catalog purchases, or online purchases. They can be redeemed when there is $10 or more in accumulated rewards on the account.
  • Conservation Efforts – They say that every purchase results in a charitable contribution by Bass Pro Shops and the National Fish and Wildlife Foundation, up to $1M per year. Unfortunately they don’t go into details on this.
  • Signup offer – At the time of this review they were offering a $50 gift card when you apply for a Bass Pro Shops credit card and get approved.

Verdict?

The Bass Pro Shops Visa card isn’t bad, but here’s a better way to save there…

discount at Bass Pro Shops

Do you have a Discover credit card? Then you have free access to the ShopDiscover Portal – a service exclusive for Discover cardmembers that gives them big savings at various online retailers. As you can see above, you can get a full 5% cash back bonus for online purchases from Bass Pro Shops plus tons of other retailers!

Don’t have a Discover card? Then check out our review of the high cash back, no annual fee Discover it signup offer.

 
Comments
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Jim Van Gilder

Just received my new Bass Pro Mastercard and notice it is with Bank America. Since BA is so anti-gun, I am amazed BP is connected to them. I returned my previous BA cards for that reason. I like Bass Pro but won’t be using the card very much until you change providers.

How do i get a bass pro credit card?

Do they still have the $50 gift card promotion?