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 Chase Freedom Flex® 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 dining at 3%. 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bass Pro Shops CLUB Mastercard | Chase Freedom Flex |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $60 after $10 spend in 1 months | $200 after $500 spend in 3 months |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.0% | 1.0% |
| Dining Rewards | 1% | 3% |
| 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. |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%. |
| Key Benefits | 2% back at Bass Pro Shops and Cabela's, 1% elsewhere. The headline 5% needs $25,000 of annual spend. | 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores. |
Chase Freedom Flex wins on dining.
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.