Which card has a lower annual fee, Bass Pro Shops CLUB Mastercard or Chase Sapphire Preferred Card?

The Bass Pro Shops CLUB Mastercard has no annual fee, compared to $95 for the Chase Sapphire Preferred Card.

Which card earns more cash back, Bass Pro Shops CLUB Mastercard or Chase Sapphire Preferred Card?

The Bass Pro Shops CLUB Mastercard earns 1.0% base cash back, while the Chase Sapphire Preferred Card earns 1.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Bass Pro Shops CLUB Mastercard better than the Chase Sapphire Preferred Card?

It depends on your spending. If you spend more on categories where the Bass Pro Shops CLUB Mastercard offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Bass Pro Shops CLUB Mastercard vs Chase Sapphire Preferred® Credit Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

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 Sapphire Preferred® Credit Card ($95/yr) 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.

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Meet the Contenders

Bass Pro Shops CLUB Mastercard

2% back at Bass Pro Shops and Cabela's, 1% elsewhere. The headline 5% needs $25,000 of annual spend.

Annual fee: None Sign-up bonus: $60 after $10 spend in 1 months Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

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Chase Sapphire Preferred Card

Strongest in dining at 3%. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.

Annual fee: $95 Sign-up bonus: 100,000 points after $5,000 spend in 3 months Foreign fees: 0%

Perfect if: You want a strong rewards rate with no spending caps to worry about.

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Head-to-Head Comparison

Feature	Bass Pro Shops CLUB Mastercard	Chase Sapphire Preferred Card
Annual Fee	$0	$95
Sign-Up Bonus	$60 after $10 spend in 1 months	100,000 points after $5,000 spend in 3 months
Foreign Transaction Fee	0%	0%
Base Reward Rate	1.0%	1.0%
Travel Rewards	1%	2%
Dining Rewards	1%	3%
Groceries 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 2%.
Key Benefits	2% back at Bass Pro Shops and Cabela's, 1% elsewhere. The headline 5% needs $25,000 of annual spend.	5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.

The Verdict

Chase Sapphire Preferred Card wins on travel, dining, groceries.

The $95/year fee difference means Chase Sapphire Preferred Card needs to earn about that much more in rewards to justify its cost.

Chase Sapphire Preferred Card carries $100/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.

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.