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Capital One CLUB Business Mastercard® Review for 2022

Capital One CLUB Business Mastercard® Review for 2022

The Capital One CLUB Business Mastercard® is designed for business owners who run outdoor sports businesses, including fishing, boating, and camping.

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The Capital One CLUB Business Mastercard® is designed for business owners who run outdoor sports businesses, including fishing, boating, and camping. If you shop frequently at Bass Pro Shops and Cabela’s, you can enjoy a special annual percentage rate (APR) on your purchases without having to pay an annual fee. Additionally, you can use your card to make business-related purchases where Mastercard is accepted.

If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.

Capital One CLUB Business Mastercard®


Apply Now

on Capital One CLUB Business Mastercard®’s secure website.

Regular APR

7.99% for urchases at Bass Pro Shops and Cabela’s and 15.49% to 27.24% on other purchases

  • Get 5% back in CLUB Points at Bass Pro Shops & Cabela’s
  • et 2.5% back in CLUB Points at participating Cenex® convenience stores
  • Get 1.5% back in CLUB Points on other purchases
Pros
  • No annual fee
  • Offers special APR for purchases at Bass Pro Shops and Cabela’s
  • Offers sign-up bonus
Cons
  • Limited redemption options
  • No introductory APR
  • Price match: Bass Pro Shops and Cabela’s customers who are CLUB members will enjoy price match, plus a 5% lower price
  • Account access: You can manage your account online or use the mobile app to get account activity alerts, see payment options, download past account statements and more
  • Payment flexibility: You are allowed to pick your own monthly due date
  • Purchase records: You can download your purchase records securely into multiple formats, including Quicken, QuickBooks and Excel
  • Free employee cards: You can track employee spending while earning all the rewards from their purchases.
Regular APR

7.99% for urchases at Bass Pro Shops and Cabela’s and 15.49% to 27.24% on other purchases

  • Get 5% back in CLUB Points at Bass Pro Shops & Cabela’s
  • et 2.5% back in CLUB Points at participating Cenex® convenience stores
  • Get 1.5% back in CLUB Points on other purchases
Pros
  • No annual fee
  • Offers special APR for purchases at Bass Pro Shops and Cabela’s
  • Offers sign-up bonus
Cons
  • Limited redemption options
  • No introductory APR
  • Price match: Bass Pro Shops and Cabela’s customers who are CLUB members will enjoy price match, plus a 5% lower price
  • Account access: You can manage your account online or use the mobile app to get account activity alerts, see payment options, download past account statements and more
  • Payment flexibility: You are allowed to pick your own monthly due date
  • Purchase records: You can download your purchase records securely into multiple formats, including Quicken, QuickBooks and Excel
  • Free employee cards: You can track employee spending while earning all the rewards from their purchases.

When grading business rewards business credit cards like the Capital One CLUB Business Mastercard®, we rate the ongoing and introductory rewards the highest. We also take into account the introductory and ongoing APRs, annual fees, other fees, and additional features.


Who the Capital One CLUB Business Mastercard® Is Best For

Capital One CLUB Business Mastercard® Fees

APRs

  • Introductory APR: None
  • Ongoing APR on purchases at Bass Pro Shops and Cabela’s: 7.99%
  • Ongoing APR on all other purchases: 15.49% to 27.24%—variable, adjusts with the prime rate
  • Cash advance APR: 27.24%
  • Penalty APR: 29.65%, applied if you make a late payment

Fees

  • Annual fee: None
  • Balance transfer fee: 3% of the amount of each transferred balance
  • Foreign transaction fee: None
  • Cash advance fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late payment fee: Up to $40
  • Return payment fee: Not indicated

How To Make Payments on the Capital One CLUB Business Mastercard®

  • Via phone: Call the phone number on the back of your card
  • Via AutoPay: Set up AutoPay online to make automatic monthly payments; there are three options: minimum payment, which varies every month; the balance amount indicated on your monthly statement; or a fixed monthly payment, with a minimum monthly fixed amount of $35
  • Via mobile app: Log in to your account, select your card, and tap “Make a payment.”
  • At a Capital One branch: Visit any branch during business hours
  • Via mail: Send a check or money order―include your name and credit card number on your payment to avoid processing delays―to the following address:

Capital One
Attn: Payment Processing
PO Box 71083
Charlotte, NC 28272-1083

Capital One CLUB Business Mastercard® Rewards

  • 5% back in CLUB points at Bass Pro Shops and Cabela’s
  • 2.5% back in CLUB points at participating Cenex® convenience stores
  • 1.5% back in CLUB points on all other purchases

You can use your rewards to make purchases at Bass Pro Shops and Cabela’s, at their merchandising subsidiaries in the United States, and online at basspro.com or cabelas.com. You can also enroll in Pay with CLUB Points via the Bass Pro Shops or Cabela’s mobile app to redeem rewards 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, and Worldwide Trophy Adventures. Note that you may not redeem rewards for cash or as a statement credit.

Capital One CLUB Business Mastercard® Additional Features

Zero Fraud Liability

You won’t be liable for any unauthorized charges in case your card or your employee’s card is lost or stolen. Make sure to lock your card or any of your employee’s cards through the online account management system as soon as you find out it has been misplaced, lost, or stolen.

Membership Offers

Owning a Capital One CLUB Business Mastercard® credit card makes you an automatic CLUB member. As a CLUB member, you’ll have access to exclusive events, discounts, giveaways, and offers. You’ll also have access to exclusive hunting and fishing adventures all around the world or get a customized trip.

Price Match

If any price currently being offered by a local retailer or on a qualifying website is lower than the price offered by the Bass Pro Shops and Cabela’s, the Capital One CLUB Business Mastercard® will beat the price by 5% for the CLUB members at the time of purchase. Certain exclusions and limitations apply, as stated in the terms and conditions that come with your card. You may also go through its price match policy for full details.

Purchase Records

You can securely download your purchase records into multiple formats, including Quicken, QuickBooks and Excel, so that you can stay on top of your purchases. Plus, you’ll also get an itemized year-end summary report of your spending to simplify budgeting and make tax time easier.

Pros & Cons of the Capital One CLUB Business Mastercard®

Capital One CLUB Business Mastercard® Alternatives

American Express Blue Business CashTM

American Express Blue Business CashTM is also a no-annual-fee credit card that offers 2% cash back on all purchases up to $50,000 each calendar year, then 1% cash back thereafter. These rewards are credited to your statement automatically, making it one of the best cash back business credit cards available. You can also enjoy a 0% introductory APR on purchases for the first 12 months of card ownership.

The Blue Business® Plus Credit Card from American Express

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Pocketing 2x points per $1 and 0% introductory APR for 12 months


Apply Now

on The Blue Business® Plus Credit Card from American Express’s secure website.

Intro APR

0% on purchases

Regular APR

14.74% – 22.74% Variable

Credit Needed

Good, Excellent

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 14.74% – 22.74%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
Pros
  • No annual fee
  • 0% APR for 12 months on purchases and balance transfer
  • Welcome offer bonus points
  • Expanded buying power
  • Fixed-rate rewards
Cons
  • Cash advances aren’t allowed
  • Charges foreign transaction fees
  • 2x points rewards are capped at $50,000 in spending
  • Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. It provides an additional two years if the original manufacturer’s warranty is between two and five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
  • Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
Intro APR

0% on purchases

Regular APR

14.74% – 22.74% Variable

Credit Needed

Good, Excellent

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 14.74% – 22.74%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
Pros
  • No annual fee
  • 0% APR for 12 months on purchases and balance transfer
  • Welcome offer bonus points
  • Expanded buying power
  • Fixed-rate rewards
Cons
  • Cash advances aren’t allowed
  • Charges foreign transaction fees
  • 2x points rewards are capped at $50,000 in spending
  • Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. It provides an additional two years if the original manufacturer’s warranty is between two and five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
  • Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

Chase Ink Business Cash®

Chase Ink Business Cash® is one of our leading small business credit cards because it has no annual fee and offers a 0% introductory rate. It’s an excellent alternative if you have substantial expenses on office supplies, internet, cable, and phone services, where you can earn 5% cash back up to $25,000 each year. You can also get 2% cash back on the first $25,000 at restaurants and gas stations and 1% on all other business purchases.

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Office-based businesses that want top cash back rewards


Apply Now

On Chase’s Secure Website

Intro APR

0% Intro APR on Purchases

Regular APR

13.99% – 19.99% Variable

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
Pros
  • Top rewards for office supply spending
  • Introductory APR on purchases
  • Cash sign-up bonus
Cons
  • 0% APR doesn’t apply to balance transfers
  • High balance transfer fee of 5%
  • Designed mainly for office-oriented companies
  • Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
  • Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
  • Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.
Intro APR

0% Intro APR on Purchases

Regular APR

13.99% – 19.99% Variable

Credit Needed

Good, Excellent

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
Pros
  • Top rewards for office supply spending
  • Introductory APR on purchases
  • Cash sign-up bonus
Cons
  • 0% APR doesn’t apply to balance transfers
  • High balance transfer fee of 5%
  • Designed mainly for office-oriented companies
  • Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
  • Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
  • Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.

Capital One® Spark® Classic

If you have a fair credit, then you can qualify for the Capital One® Spark® Classic credit card. With responsible usage and consistent on-time payment, it can help you grow your credit score while earning rewards without having to pay an annual fee. It offers a straightforward rewards program where you can earn 1% cash back on all purchases regardless of spending categories, making it one of our top-recommended business credit cards for fair credit.

Capital One Spark Classic for Business

Capital One® Spark® Classic for Business

?Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

Fair credit business owners (580 to 669)


Apply Now

on Capital One® Spark® Classic for Business’s secure website.

Regular APR

26.99% (Variable)

Credit Needed

Average, Fair, Limited

  • 1% cash back every time you swipe
  • Build your business credit through responsible usage
  • Issue employee cards for free
Pros
  • Opportunity to build business credit
  • Only requires fair credit
  • No annual fee
Cons
  • No 0% introductory APR
  • No sign-up bonus
  • High APR
  • Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
  • Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
  • Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.
Regular APR

26.99% (Variable)

Credit Needed

Average, Fair, Limited

  • 1% cash back every time you swipe
  • Build your business credit through responsible usage
  • Issue employee cards for free
Pros
  • Opportunity to build business credit
  • Only requires fair credit
  • No annual fee
Cons
  • No 0% introductory APR
  • No sign-up bonus
  • High APR
  • Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
  • Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
  • Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.

Bottom Line

Capital One CLUB Business Mastercard® is a great option if you own or run an outdoor sports business. You can enjoy rewards and perks at the Bass Pro Shops and Cabela’s as well as their subsidiaries. Keep in mind that you can only use your rewards in these shops and not as a statement credit. For other options, visit our credit card marketplace.

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