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 Discover it Cash Back (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 Now5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bass Pro Shops CLUB Mastercard | Discover it Cash Back |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $60 after $10 spend in 1 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| 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. | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
These cards are closely matched across categories, so the winner comes down to your specific spending mix.
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.