Bass Pro Shops & Cabela's Club Mastercard®

Synchrony Mastercard Pending

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0

Benefits

4

Reward Categories

3x

Max Reward

20.2%

APR From
Basic Information
PENDING

Program ID: bass-pro-shops-cabelas-club-mastercard

Issuer: Synchrony

Card Name: Bass Pro Shops & Cabela's Club Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 16:26

Last Scraped: Feb 16, 2026 16:28

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers benefits under the Servicemembers Civil Relief Act (SCRA) for eligible active duty Servicemembers. To learn more, call 1-866-893-7864.

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Bass Pro Shops & Cabela's 3x Points Purchases made at Bass Pro Shops and Cabela's stores, online, and through catalogs. No Cap
Gas 2x Points Purchases made at gas stations. No Cap
Dining 2x Points Purchases made at restaurants. No Cap
All Other Purchases 1x Points All other eligible purchases not falling into bonus categories. No Cap
Rewards Summary
PENDING

Reward Type: Club Points

Base Rate: 1x

Bonus Rate: 2x

Categories: Purchases at Bass Pro Shops and Cabela's

Quarterly Rotating: No

Expiration Policy: Club Points expire 12 months from the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Club Points are redeemable only at Bass Pro Shops and Cabela's. A minimum of 500 Club Points ($5) is required for redemption.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 20.24% - 33.24%

Balance Transfer APR: 29.99%

Cash Advance APR: 33.24%

Intro APR Offers

Promo Financing: Special Financing

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Bass Pro Shops Cabela's Club Mastercard typically requires good to excellent credit (FICO score generally 670+), US residency, being 18 years or older, and possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). New cardholders in 2026 can expect a sign-up bonus, such as earning $50 in Club Points after spending $500 on purchases within the first 90 days of account opening. Club Points are redeemable at Bass Pro Shops and Cabela's. Store-specific restrictions apply to point redemption, promotional offers, and certain purchase categories.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, sudden drastic changes in spending patterns inconsistent with historical behavior, high credit utilization on Synchrony cards, multiple recent applications for Synchrony products, payment defaults on any Synchrony account, suspected fraudulent activity, or violation of cardholder agreement terms.

Cliff Effect Rules: Synchrony evaluates overall credit exposure and application velocity. While there isn't a strict 'X/Y' rule like some prime issuers, applying for multiple Synchrony cards within a short period (e.g., 2+ in 6 months) may lead to denials or lower credit limits. Bonus eligibility is typically once per lifetime for a specific product, though this card's bonus is usually tied to new account opening and not having held the specific card in a recent period.

Special Events: Spring Fishing Classic (March-April), Fall Hunting Classic (August-September), Member Appreciation Days, seasonal clearance events, and exclusive Club Member promotions throughout the year.

Holiday Promos: Black Friday/Cyber Monday (late November), Christmas/Holiday Shopping Season (November-December), Memorial Day (late May), 4th of July (early July), Labor Day (early September).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Excellent rewards program for frequent Bass Pro Shops and Cabela's shoppers, easy to earn points, and offers special financing options.

Top Negative:
High Annual Percentage Rate (APR), frequent complaints about Synchrony Bank's customer service, and occasional issues with points redemption or credit limit management.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Cabela's Club Rewards Visa
  • Capital One SavorOne Rewards Credit Card
  • Chase Freedom Flex

Card Value Score: 70.0 / 100

Est. Annual Rewards: $85.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0