These Rewards Program Terms and Conditions (“Terms and Conditions”) apply to Bass Pro Shops and Cabela’s CLUB business credit cards issued by Capital One, N.A. (Capital One). Bass Pro Shops and Cabela’s (hereinafter “we”, “our”, and “us”) are responsible for the operation and administration of the Bass Pro Shops and Cabela’s CLUB Business Rewards Program (“Program”). By participating in the Program, you agree to be bound by these Terms and Conditions. As used in these Terms and Conditions, “you” and “your” refer to the account holder(s) (primary and secondary) of the Bass Pro Shops and Cabela’s CLUB business credit card (“Account”), and their authorized users on the Account. These Terms and Conditions are in addition to those set forth in your Customer Agreement governing your Account. Your Customer Agreement remains in full force and effect and is unaffected by these Terms and Conditions.



  1. CLUB Business accounts are eligible to receive Bass Pro Shops and Cabela’s CLUB Points (“Points”) for Net Purchases (defined below).

    • You will earn one and a half (1.5) Points for every one dollar ($1.00) of Net Purchases made using your Account.

    • You will earn an additional three and a half (3.5) Points (for a total of five (5) Points) for every dollar ($1.00) of Net Purchases made at Bass Pro Shops stores and its merchandising subsidiaries (U.S and Canada locations), through Bass Pro Shops catalogs, or online at (collectively, “Bass Pro Shops Locations”) and at Cabela’s stores and its merchandising subsidiaries (U.S and Canada locations), through Cabela’s catalogs, or online at and (collectively, “Cabela’s Locations”).

    • From time to time, you will earn additional Points for Net Purchases of other goods and services provided by third parties nominated by us (“Participating Stores”). We may change the Participating Stores from time to time and at any time. We may also change the Points earned from Net Purchases from Participating Stores from time to time and at any time, or impose other terms and conditions regarding Points from Net Purchases at Participating Stores.

    • You will not receive the enhanced rewards earn rate, promotions or be able to redeem rewards on otherwise eligible purchases when you pay through third-party payment accounts, mobile or wireless card readers, mobile or digital wallets or similar technology. You’ll receive the base rewards rate on those purchases.

    “Net Purchases” are new purchases posted to your Account in a billing cycle, less any returns, credits or adjustments that are not payments. You do not earn Points on cash advances, balance transfers, interest charges, fees of any kind, or unauthorized or fraudulent transactions. In addition, you do not earn Points on redeemed Points.

  2. You may see Points advertised as a percentage back on purchases (e.g., on purchases at Bass Pro Shops and Cabela’s Locations, CLUB Business cardholders earn 5%), which is the same calculation of Points described in Section 1 above but expressed differently. You may also see Points advertised as a dollar amount (e.g., earn $20 in CLUB Points: $20 in CLUB Points equals 2,000 CLUB Points).

  3. Points are calculated separately each day, with the exception of non-processing days and holidays, by purchase type (Bass Pro Shops and Cabela’s purchases, purchases at Participating Stores, other purchases) using the total amount of Net Purchases from the previous day. If any calculation results in a fractional Point, it will be rounded down to the nearest whole Point.

  4. Points will be deducted for returns which can result in a negative Points balance. If your Account has a negative Points balance, any newly accumulated Points will be used to offset such negative Points balance until such balance has been brought to zero.

  5. Your Account must be in good standing and not in default under the terms of your Customer Agreement in order to earn and redeem Rewards. Your Account will be in default and/or considered not in good standing: (a) if you do not make a required payment when due; (b) if you fail to comply with the terms of the Customer Agreement or any other agreement or obligation with Capital One; (c) in the event of your fraud or misrepresentation in connection with the application, issuance, or use of the Account; (d) if you use the Account in excess of your credit limit; (e) if you become bankrupt or insolvent; (f) or if your account is otherwise suspended or restricted.

  6. Points generally post to your Account the day after the purchase is posted to your Account. Non-processing days or holidays could delay the posting of your Points. Points for certain promotional offers may take several billing cycles to post to your Account. We will not be liable for any failure to issue Points in a timely manner and we not liable for Points that you lose due to fraudulent, unauthorized, or other unacceptable use of the Program.

Redemption of Points

  1. One hundred (100) Points equates to one dollar that can be used toward purchases at Bass Pro Shops and Cabela’s and their merchandising subsidiaries located in the United States. Points can be redeemed by applying them toward purchases made through Bass Pro Shops and Cabela’s stores located in the United States, Bass Pro Shops and Cabela’s catalogs issued in the United States, or online at or Points can also be redeemed at: Bass Pro Shops and Cabela’s in-store boat centers, or on the purchase of a new White River Marine Group boats or Tracker ATV/UTV’s at affiliated independent dealers. Cardholders can also enroll in Pay with CLUB Points via the Bass Pro Shops or Cabela’s mobile app in order to redeem points on eligible purchases at Bass Pro Shops hospitality locations, including: Big Cedar Lodge, Big Cedar Golf, Big Cedar Restaurants, Bass Pro Shops Restaurants, Bass Pro Shops Angler’s Lodge, Big Cypress Lodge, Wonders of Wildlife, World Wide Trophy Adventures. There is no minimum number of Points required for redemption. You may not redeem Points for cash or to make payments on your Account. Redemption of Points is the sole obligation of Bass Pro Shops and Cabela’s and their merchandising subsidiaries. Capital One has no obligation to redeem Points. Points may be earned but not redeemed through Bass Pro Shops and Cabela’s Canada retail stores, Cabela’s Canadian website (, or Cabela’s and Bass Pro Shops catalogs issued outside the United States.

  2. Points earned are not available for redemption until posted to your account (see Section 6 regarding posting of Points).


  1. We may periodically, and at our discretion, offer you the opportunity to earn bonus Points on select purchases. For example, specified account holders may earn ten (10) Points for every dollar ($1.00) spent on a qualifying purchase. The details of these promotional opportunities, including any limitations, will be provided with the offer. Unless the offer expressly states otherwise, if you are an employee of Bass Pro Shops, Cabela’s, Capital One, or their affiliates, you are not eligible for the promotional offer.

  2. If you use multiple Accounts for a promotional offer, only one account will receive the promotional offer (i.e., the bonus Points).

  3. In order to receive the full benefit associated with a promotional offer, you must place the entire promotional purchase and other items charged in the same transaction on your Account. You will not receive bonus Points on taxes associated with a promotional purchase.


  1. Points do not have a scheduled expiration date and there is no maximum number of Points that can be earned in the Program (see Section 13 regarding forfeiture of Points). There may be a limit to the amount of Points that you can earn in connection with certain bonus or promotional offers.

  2. All points may be cancelled and permanently forfeited if your account is closed, by you or Capital One, for any reason.

  3. If you return merchandise purchased with Points, you will either receive the Points credited back to your rewards balance or a credit on your Account in dollars. Returns of purchases made at Bass Pro Shops Locations are subject to Bass Pro Shops return policy. Returns of purchases made at Cabela’s Locations are subject to Cabela’s return policy. Points for such returns are deducted at your Points earn rate described in Section 1.

  4. You are responsible for any tax liability related to your participation in the Program. Determination and payment of tax liability are your sole responsibility.

  5. Points are not your property and have no cash value. Accounts that are open and in good standing may transfer or combine Points between Accounts through our points transfer functionality on, or at a U.S. Bass Pro Shops or Cabela’s retail location. Points cannot otherwise be transferred, gifted, sold, encumbered, or assigned under any circumstances, including upon death, by operation of law, in bankruptcy, or in connection with a divorce or distribution of property of domestic partners.

  6. We reserve the right to verify and correct errors made in the award or redemption of Points at any time. If you think there is an error regarding the number of Points in your rewards balance, you must report such error within 60 days of the date of the first billing statement showing the suspected error. If you fail to notify us, your statement will be considered accurate, and you will have waived all claims for adjustments. Points errors do not constitute billing errors under your Customer Agreement.

  7. We are not responsible for disputes among Account owners or any authorized users of the Account regarding the Program or the redemption of Points.

  8. You agree that we may monitor all of your activity regarding your use of the Program, and that we may monitor and record telephone calls with you regarding the Program. We reserve the right to disqualify or temporarily suspend you from participating in the Program for any reason, including without limitation, suspected fraud, abuse of Program privileges or violation of these Terms and Conditions, as determined in our sole discretion, which may result in the forfeiture of any Points, and/or the cancellation of your ability to earn or redeem Points.

  9. These Terms and Conditions constitute the entire terms and conditions applicable to the Program and supersede all previous marketing materials and agreements with respect to the Program. These Terms and Conditions shall be construed and interpreted under the laws (excluding conflicts of law provisions) of the Commonwealth of Virginia regardless of where you live or use the Program. This Program is void where prohibited by law.

  10. If any provision or portion of these Terms and Conditions is held invalid, void or unenforceable under any applicable statute or rule of law, only that provision, or portion thereof, shall be deemed omitted from these Terms and Conditions, and only to the extent to which it is held invalid, and the remainder of the Terms and Conditions shall remain in full force and effect.

  11. These Terms and Conditions are subject to change from time to time. We may change any of these Terms and Conditions, and amend, cancel, suspend or otherwise change the Program or any of its benefits and features, in whole or in part, at any time for any reason. Changes may include, but are not limited to, the number of Points you can earn, the type of transactions which qualify for Points, the Participating Stores, the accrual rate of Points for qualifying transactions and redemption policies and procedures. Changes may affect Points already earned. We will provide you any notice of changes that is required by applicable law. Current terms will be available on request.


  13. We are not responsible for problems or delays beyond our control, including but not limited to, computer system failures, acts of God, pandemic, labor disputes, fires, floods, storms, earthquakes, loss of facilities, shortages, failure of suppliers, government action, acts of third parties, riots, insurrection, war, or acts of terrorism

  14. We may assign our rights under these Terms and Conditions to a third party at any time.