How to Pay Your Bass Pro Shops Credit Card

Where and how to send your Bass Pro Shops credit card payment

Bass Pro Shops credit card payments go to Synchrony Bank, the company that issues and manages the card. You can pay online through your Synchrony account, by phone, by mail, or in person at a Bass Pro Shops location. The method you choose affects when the payment posts and whether you avoid late fees.

Online payment through the Synchrony website or mobile app is the fastest and most direct route. You log in, select the payment amount, and the money typically posts within one business day. Phone payments (1-866-396-8254) also post quickly and let you speak to someone if you have questions about your balance or payment options. Mail and in-store payments take longer — mail usually takes 7 to 10 business days to post, and in-store payments may take several days to reach Synchrony's processing system.

Key Takeaways

• Pay through Synchrony's website, app, or phone line to reach your account directly and avoid processing delays.
• Your payment due date is set by Synchrony and appears on your statement; paying after that date triggers a late fee, even if the payment posts within the grace period.
• Mail and in-store payments take 7 to 10 business days to post, so send them well before your due date to avoid late charges.
• If you miss a payment, contact Synchrony immediately — they may waive a single late fee if you have a good payment history.
• Setting up automatic payments through Synchrony prevents missed due dates and removes the need to remember to pay each month.

Online payment through Synchrony's website or app

Log in to your Synchrony account at synchronybank.com or through the Synchrony mobile app. Select "Make a Payment," enter the amount you want to pay, and choose your payment method (bank account or debit card). Confirm the payment, and Synchrony will process it immediately. The money typically posts to your Bass Pro Shops card within one business day.

Online payments have no fee and are the safest way to pay because you control the exact amount and timing. You also receive a confirmation number immediately, which you can save as proof of payment. If you pay before 8 p.m. Eastern time on a business day, the payment usually posts the next morning.

Phone payments and speaking to a representative

Call Synchrony at 1-866-396-8254 to pay by phone. Have your card number and bank account information ready. A representative will walk you through the payment process, confirm the amount, and provide a confirmation number. Phone payments post within one business day, just like online payments.

Paying by phone is useful if you want to discuss your balance, ask about payment plans, or request a late fee waiver. Representatives can sometimes remove a single late fee if you have paid on time in the past and this is your first missed payment. They cannot waive fees if you have a pattern of late payments, but it is worth asking if you have a legitimate reason for the delay.

Mail payments and timing

If you pay by mail, send your payment to the address on your statement. Include your card number and the payment amount. Mail payments typically take 7 to 10 business days to arrive and post to your account. Because of this delay, you must send mail payments at least two weeks before your due date to avoid a late fee.

Late fees apply the day after your due date passes, regardless of whether your payment is in transit. Synchrony does not give a grace period for mail delays. If you choose to pay by mail, mark your calendar to send the payment early — do not wait until a few days before the due date.

In-store payments at Bass Pro Shops

You can make a payment at the customer service desk of any Bass Pro Shops location. Bring your card or account number and the cash or debit card you want to use to pay. The store will provide a receipt, but the payment does not post immediately to Synchrony. Instead, it enters Bass Pro's system and is forwarded to Synchrony, which usually takes 3 to 7 business days.

In-store payments are convenient if you are already at the store, but they are slower than online or phone payments. Do not rely on an in-store payment if your due date is within a week — use online or phone payment instead. Keep your receipt as proof you paid, in case there is a delay and you are charged a late fee by mistake.

Setting up automatic payments to avoid missed due dates

Synchrony allows you to set up automatic payments that deduct money from your bank account on a date you choose each month. Log into your Synchrony account, go to "Manage Automatic Payments," and select the amount (minimum payment, statement balance, or a fixed amount you set). Choose the day of the month you want the payment to post, and Synchrony will process it automatically every month.

Automatic payments remove the risk of forgetting your due date. If you set the payment for the same day each month, you will never be late. You can change or cancel the automatic payment at any time through your account. Many people set automatic payments for the full statement balance so they do not carry a balance and pay interest charges.

Late fees, interest, and what happens if you miss a payment

If your payment does not post by the due date on your statement, Synchrony charges a late fee. The fee amount depends on your account history and balance but typically ranges from $25 to $40 for the first late payment. After the due date passes, interest also begins to accrue on your balance at the card's purchase APR (annual percentage rate), which varies by creditworthiness.

If you miss a payment, contact Synchrony as soon as possible. Call 1-866-396-8254 and explain the situation. If this is your first late payment and you have a good payment history, a representative may waive the late fee. Do not ignore the missed payment — the longer you wait, the more interest accumulates, and the damage to your credit score increases. A single late payment can lower your credit score by 50 to 100 points and stays on your credit report for seven years.

Frequently Asked Questions

Can I pay my Bass Pro Shops card at the store with a different payment method?

Yes. At the customer service desk, you can pay with cash, debit card, or another credit card. You cannot pay with a check at most locations. Ask the customer service representative what payment methods they accept before you get in line.

What if I pay online but the payment does not show up in my account?

Check your confirmation number and the date you submitted the payment. Online payments usually post within one business day, but if it has been longer, log back into your Synchrony account and verify the payment went through. If the payment was rejected, Synchrony will send you an email explaining why. Contact Synchrony at 1-866-396-8254 if you cannot find the payment or if it was declined.

Can I set up automatic payments for just part of my balance?

Yes. When you set up automatic payments, you can choose to pay the minimum payment, the full statement balance, or a fixed dollar amount you set yourself. Many people choose a fixed amount that is more than the minimum but less than the full balance, depending on their budget.

Does paying in person at Bass Pro Shops count toward my due date?

No. Your due date is determined by Synchrony, not by when you physically hand over the payment. In-store payments take 3 to 7 business days to post to your Synchrony account. If your due date is in three days, an in-store payment will likely post after the due date and trigger a late fee. Use online or phone payment if your due date is coming up soon.

What should I do if I cannot pay the full balance by the due date?

Pay at least the minimum payment shown on your statement by the due date to avoid a late fee. You can pay the remaining balance later. If you are struggling to make even the minimum payment, contact Synchrony at 1-866-396-8254 to discuss hardship options or payment plans. Synchrony may be able to lower your minimum payment temporarily if you explain your situation.