Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bass Pro Shops CLUB Mastercard (no annual fee) and the Bank of America® Customized Cash Rewards credit card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
2% back at Bass Pro Shops and Cabela's, 1% elsewhere. The headline 5% needs $25,000 of annual spend.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in groceries at 2%. 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap).
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bass Pro Shops CLUB Mastercard | Bank of America Customized Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $60 after $10 spend in 1 months | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.0% | 1.0% |
| Groceries Rewards | 1% | 2% |
| Rates with conditions not counted in the rows above |
5% after $25,000 annual spend The advertised 5% at Bass Pro Shops and Cabela's needs $25,000 of annual spend, with an intermediate 3% tier at $10,000. Below that the rate is 2%, which is what the ranking uses. |
None |
| Key Benefits | 2% back at Bass Pro Shops and Cabela's, 1% elsewhere. The headline 5% needs $25,000 of annual spend. | 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap). |
Bank of America Customized Cash Rewards Credit Card wins on groceries.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.