Where to send your Bass Pro Shops credit card payment
Bass Pro Shops issues its credit card through Synchrony Bank, so payments go to Synchrony, not directly to Bass Pro. You can pay online through your Synchrony account, by phone, by mail, or in person at a Bass Pro store. The fastest and most reliable method is online through the Synchrony website or mobile app, where the payment posts the same business day if submitted before the cutoff time (usually 8 p.m. Eastern).
If you pay by phone, call the customer service number on the back of your card. Synchrony's phone line is available seven days a week. Mail payments should be sent to the address printed on your statement; allow 7 to 10 business days for the payment to reach and post to your account. In-store payments at Bass Pro locations are also an option, though not all stores offer this service — call ahead to confirm.
Key Takeaways
- Your Bass Pro Shops credit card is managed by Synchrony Bank, so you pay Synchrony, not Bass Pro directly.
- Online payment through Synchrony's website or app is the fastest method and posts the same business day if submitted before the evening cutoff.
- Phone payments are available seven days a week by calling the number on your card, and mail payments take 7 to 10 business days to post.
- Late fees and interest charges begin accruing if your payment is not received by the due date shown on your statement.
Setting up automatic payments
Synchrony allows you to set up automatic payments so your bill is paid on a schedule you choose. Log into your Synchrony account online, go to the payments section, and select "Automatic Payments" or "Recurring Payments." You can choose to pay the full statement balance, a fixed dollar amount, or the minimum payment each month on a date you specify.
Automatic payments reduce the risk of missing a due date, but you remain responsible if insufficient funds are in your bank account on the payment date. Synchrony will attempt to process the payment, and if it fails, you may face a late fee. You can change or cancel automatic payments anytime through your online account.
Understanding your statement and due date
Your statement shows the due date, minimum payment, and full balance. The due date is typically 21 to 25 days after the statement closing date. Payments received by 5 p.m. Eastern on the due date are considered on time. If you pay only the minimum, interest accrues on the remaining balance at the card's annual percentage rate (APR), which varies based on your creditworthiness and current Synchrony rates.
Your statement also lists the statement closing date, which is the last day transactions are included in that billing cycle. Payments made after the closing date appear on the next statement. If you are unsure of your due date or closing date, log into your Synchrony account or call the number on your card.
What happens if you miss a payment
A payment is considered late if it is not received by the due date. Synchrony charges a late fee (the amount depends on your card terms and account history) and reports the late payment to credit bureaus if it remains unpaid for 30 days or more. A single late payment can lower your credit score by 100 points or more and may trigger a higher APR on your card.
If you miss a payment, contact Synchrony as soon as possible. Explain your situation and ask whether they can waive the late fee as a one-time courtesy. Some cardholders have had fees reversed, especially if the account has been in good standing. The sooner you pay, the less damage to your credit report.
Paying more than the minimum
Paying more than the minimum reduces the amount of interest you owe and shortens the time it takes to pay off your balance. If your card carries a balance at a high APR, paying only the minimum can mean most of your payment goes toward interest rather than principal. For example, a $2,000 balance at 24% APR with a $50 minimum payment takes years to pay off and costs hundreds in interest.
You can pay any amount above the minimum without penalty. There is no prepayment fee on the Bass Pro Shops credit card. If you have the funds available, paying the full statement balance each month avoids interest entirely and is the most cost-effective approach.
Payment methods and processing times
| Payment Method | Processing Time | When to Use |
|---|---|---|
| Online (Synchrony website or app) | Same business day if submitted before 8 p.m. ET | Fastest option; best for payments close to the due date |
| Phone | Same business day if called before cutoff | When you need confirmation from a representative |
| 7 to 10 business days | Only if you prefer not to pay online; allow extra time | |
| In-store at Bass Pro | Varies; confirm with store | Convenient if you are already shopping |
Frequently Asked Questions
Can I pay my Bass Pro credit card at a Bass Pro store?
Some Bass Pro locations accept in-store credit card payments, but not all do. Call your local store ahead of time to confirm they offer this service. If they do, bring your card or account number and a form of payment (cash, debit card, or check).
What time does my online payment need to be submitted to post the same day?
Payments submitted through the Synchrony website or app before 8 p.m. Eastern typically post the same business day. Payments submitted after that time or on weekends and holidays post on the next business day. Check your account after submission for confirmation.
Will I be charged interest if I pay late?
Late fees are charged if your payment is not received by the due date. Interest on your balance continues to accrue regardless. If you carry a balance, you are charged interest daily at your card's APR, whether or not your payment is late.
Can I change my automatic payment amount or date?
Yes. Log into your Synchrony account, go to the automatic payments section, and update the amount or date. Changes take effect on your next scheduled payment. You can also cancel automatic payments anytime and return to manual payments.
What should I do if my payment was rejected?
If your online or phone payment was rejected, Synchrony will notify you of the reason — usually insufficient funds or an incorrect bank account number. Contact Synchrony immediately to resolve the issue and resubmit your payment before the due date to avoid a late fee.