The Capital One Bass Pro Shops® CLUB Credit Card offers various benefits tailored for outdoor enthusiasts. Cardholders can earn up to $40 in CLUB Points upon approval and enjoy exclusive perks like in-store events, discounts, and special pricing. The card provides up to 5% points back on Bass Pro Shops and Cabela’s purchases, and 1% points back on other purchases where Mastercard is accepted. There is no annual fee, and the APR for purchases at Bass Pro Shops and Cabela’s is 9.99%, while the APR for other purchases and transfers ranges from 20.49% to 32.24%, varying with market conditions.
Features
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Up to $40 in CLUB Points. New cardholders can earn up to $40 in CLUB Points after being approved, providing an immediate incentive to use the card.
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5% Points Back on Bass Pro Shops and Cabela’s Purchases. Cardholders earn 5% back in points for purchases made at Bass Pro Shops and Cabela’s, which can be highly beneficial for regular shoppers.
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1% Points Back on Other Purchases. Purchases made outside of Bass Pro Shops and Cabela’s earn 1% back in points, adding value to everyday spending.
Pros and Cons
Pros
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No Annual Fee. The card does not charge an annual fee, making it cost-effective for users who may not want to incur additional yearly expenses.
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Exclusive CLUB Member Perks. Cardholders gain access to special in-store events, discounts, and exclusive pricing, enhancing the overall shopping experience.
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Promotional Financing Options. The card offers promotional financing plans with 0% interest for set periods on qualifying purchases, providing flexibility in managing larger expenses.
Cons
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High APR for Non-Store Purchases. The APR for purchases outside of Bass Pro Shops and Cabela’s can be as high as 32.24%, which can lead to significant interest charges if balances are not paid off monthly.
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Limited High Reward Opportunities. The 5% rewards are limited to Bass Pro Shops and Cabela’s, so users who do not frequently shop at these locations may find the rewards less attractive.
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Transfer Fees. Balance transfers may incur a fee of 3% for promotional APR transfers, which could add to the cost if transferring balances.
How to Apply for a Capital One Bass Pro Shops® CLUB Credit Card
Online
Go to website
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Explore Credit Card Options. Browse through the available credit card options to find the Capital One Venture Card. Click on the card to access more details.
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Review Card Details. Take your time to review the features, benefits, and terms of the Capital One Venture Rewards Credit Card to ensure it meets your needs.
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Initiate Application. Look for the "Apply Now" button to start the application process. Click on it to proceed.
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Fill Out Application Form. Complete the online application form with accurate personal, financial, and contact information as required. Ensure all fields are filled correctly.
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Submit Application. After filling out the form, review the information provided to avoid any errors. Once satisfied, submit your application.
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Wait for Approval. After submission, the bank will review your application. You may receive an instant decision or have to wait a few days for a response.
Receive Card. If approved, your Capital One Venture Rewards Credit Card will be mailed to the address provided during the application process.
Mobile App
Go to AppStore
Go to Google Play
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Log In or Register. Open the Capital One mobile app and log in to your existing online banking account. If you're a new user, you may need to register for mobile banking by providing your account details and creating login credentials.
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Navigate to Credit Cards. Once logged in, navigate to the section of the app dedicated to credit cards or banking products. This may be accessible from the main menu or homepage.
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Find Capital One Bass Pro Shops® CLUB Card. Look for the Capital One Bass Pro Shops® CLUB Credit Card among the available options. Tap on the card to view more details.
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Start Application. Locate the option to apply for the Capital One Bass Pro Shops® CLUB Credit Card within the app. It may be labeled as "Apply Now" or something similar. Tap on it to initiate the application process.
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Complete Application Form. Fill out the application form provided in the app with accurate information, including personal, financial, and contact details. Double-check for accuracy before proceeding.
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Submit Application. After completing the form, review the information provided to ensure accuracy. Once verified, submit your application through the mobile app.
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Wait for Response. The bank will review your application. Depending on their process, you may receive an instant decision or have to wait for a few days to receive a response.
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Receive Confirmation. If approved, you'll receive confirmation within the app or via email. Your Capital One Bass Pro Shops® CLUB Credit Card will be mailed to the address provided during the application process.
Branch Application
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Research and Preparation. Begin by researching the various credit cards offered by Capital One to determine which best suits your needs and preferences. Consider factors such as rewards, interest rates, annual fees, and benefits.
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Gather Necessary Documents. Collect all required documents, such as a valid photo ID (e.g., driver's license or passport), Social Security number, proof of income (e.g., pay stubs or tax returns), and any other relevant financial information.
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Visit a Capital One Branch. Locate the nearest Capital One branch by using the Capital One website or mobile app. Plan your visit during the branch’s operating hours.
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Meet with a Capital One Representative. Once at the branch, request to speak with a representative about applying for a credit card. The representative will guide you through the process, answer any questions, and provide you with the necessary forms.
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Complete the Application Form. Fill out the application form provided by the representative. Ensure all information is accurate, including personal details, employment information, and financial data.
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Submit Your Application. After completing the form, submit it to the representative along with your supporting documents. The representative will review your application for completeness and accuracy.
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Wait for Approval. The representative will submit your application for processing. Approval times can vary; in some cases, you may receive an instant decision, while others may require further review. You will be notified of the decision by mail or email.
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Receive Your Card. If approved, your new Capital One credit card will be mailed to you. Upon receiving your card, follow the instructions to activate it and begin using it to earn rewards and manage your finances effectively.
Infographic
Eligibility Requirements
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Age Requirement. Applicants must be at least 18 years old.
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Social Security Number. A valid Social Security Number or Individual Taxpayer Identification Number is required.
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US Residency. Applicants must have a residential address in one of the 50 United States, Washington, D.C., or a U.S. military location. Addresses at correctional institutions are not eligible.
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Income Criteria. Monthly income, after deducting monthly rent or mortgage payments, must exceed $425.
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Credit History. Applicants should not have a past due Capital One credit card account, be over their credit limit, or have had a Capital One credit card charged off within the past year.
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Credit Inquiries. Applicants must not have applied for a Capital One credit card more than twice in the last 30 days or have five or more open credit card accounts with Capital One.
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Bankruptcy Status. Applicants must not have a non-discharged bankruptcy.
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Credit Report Access. There should be no credit security freeze or credit lock that prevents Capital One from accessing the applicant's credit report.
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Creditworthiness. Approval is contingent on meeting Capital One's credit standards and passing a review of the applicant's credit and employment history.
Reasons You May Be Denied a Card
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Insufficient Credit History. If you have a limited credit history or no credit history at all, the issuer may be unable to assess your creditworthiness, which could result in a denial of your credit card application.
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Low Credit Score. A low credit score, often indicative of past financial difficulties or missed payments, may lead to a denial of your credit card application. Credit scores below a certain threshold may be considered risky by the issuer.
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High Debt-to-Income Ratio. If you have a high debt-to-income ratio, meaning you have significant outstanding debt relative to your income, the issuer may view you as a higher credit risk and deny your application.
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Recent Bankruptcy. If you have filed for bankruptcy recently, you may be denied a credit card as it indicates financial instability and an increased risk for the issuer.
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Delinquent Accounts. If you have a history of late payments, defaults, or delinquent accounts on your credit report, it may signal to the issuer that you are not financially responsible and may lead to a denial of your application.
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Multiple Recent Credit Applications. Applying for multiple credit cards or loans within a short period, especially if accompanied by rejections, may raise concerns for the issuer about your financial stability and lead to a denial.
How to Pay Off Credit Card Debt
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Access Your Account. Sign in to your Capital One online banking account or mobile app to access your credit card information.
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Review Your Balance. Take a moment to examine your outstanding balance, including any accumulated interest or fees.
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Choose a Payment Method. Determine how you wish to proceed with your payment. Capital One provides several convenient options, such as online banking, mobile banking, in-person at a financial center or ATM, by phone, or through the mail.
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Online Payment. If you opt for online payment, log in to your account, proceed to the bill pay section, and follow the prompts to initiate a payment. You can select to pay the minimum amount due, the full balance, or a customized amount.
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Mobile Payment. Alternatively, you can utilize the Capital One mobile banking app to complete a payment. Choose your Capital One Bass Pro Shops® CLUB credit card account and follow the prompts to finalize the payment process.
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In-Person Payment. For those preferring in-person transactions, visit a Capital One financial center or ATM. You can make a payment using cash, a check, or your debit card at the ATM, or seek assistance from a representative at the financial center.
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Phone Payment. To make a payment over the phone, dial the Capital One customer service number and follow the automated instructions to navigate to the payment section. From there, you can complete the payment using your checking account or debit card.
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Mail Payment. Lastly, if mailing your payment suits your preference, utilize the payment address provided on your billing statement. Ensure to include your Capital One Bass Pro Shops® CLUB credit card account number on the check or money order and allow adequate time for delivery.
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Confirm Payment. Following your payment submission, verify that it has been successfully processed. You can check your account balance online or via the mobile app to confirm the payment's application to your Capital One Bass Pro Shops® CLUB credit card debt.
Editorial Opinion
The Capital One Bass Pro Shops® CLUB Credit Card can be appealing for frequent shoppers at Bass Pro Shops and Cabela’s, given its rewards structure and exclusive member perks. However, potential applicants should carefully consider the varying APR rates and ensure they can manage the credit responsibly to maximize benefits while avoiding high-interest charges on non-store purchases. The absence of an annual fee makes it accessible, but the higher APR on other purchases could be a drawback for some users.
Additional Resources
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