Where to send your Bass Pro credit card payment
Bass Pro Shops issues its credit card through Synchrony Bank, so your payment goes to Synchrony, not to Bass Pro directly. You can pay online through your Synchrony account, by phone, by mail, or in person at a Bass Pro store. 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 route — payments typically post within one business day. Phone payments (1-866-396-8254) also post quickly and let you confirm the amount before it leaves your account. Mail takes 7 to 10 business days from the time Synchrony receives it, so if your due date is soon, mail is not the right choice. In-store payments at Bass Pro locations are processed through the store's payment system and usually post within a few business days.
Key Takeaways
- Your Bass Pro credit card is issued by Synchrony Bank, so you send payments to Synchrony, not to Bass Pro Shops.
- Online and phone payments post within one business day, while mail payments take 7 to 10 business days after Synchrony receives them.
- Your due date is the same each month, and Synchrony charges a late fee if payment arrives after that date, even if it is still within the grace period.
- Paying more than the minimum does not change your due date — it only reduces the interest you owe on the remaining balance.
- If you set up automatic payments, Synchrony will deduct the amount you choose on the date you select each month.
Online and mobile app payments
Log into your Synchrony account at synchronybank.com or through the Synchrony mobile app. Enter the amount you want to pay and confirm the date. Synchrony will deduct the payment from your linked bank account on the date you specify. If you pay before 8 p.m. Eastern time on a business day, the payment posts the next business day. Payments made after 8 p.m. or on weekends post the following business day.
You can pay any amount — the minimum due, the full statement balance, or anything in between. Paying more than the minimum reduces your interest charges but does not change your due date. If you are behind on payments, Synchrony may require you to pay the full past-due amount before accepting a partial payment, depending on how far behind you are.
Phone payments and automatic payments
Call Synchrony at 1-866-396-8254 to pay by phone. Have your account number and bank information ready. You can pay from a checking or savings account, and the payment posts within one business day. Phone payments are useful if you want to confirm the amount before it leaves your account or if you prefer not to set up online access.
Automatic payments let Synchrony deduct a set amount from your bank account on the same date each month. You can set this up online or by phone. Choose whether you want to pay the minimum due, the full statement balance, or a fixed dollar amount. If you choose a fixed amount, make sure it covers at least the minimum due, or you will still be charged a late fee. Automatic payments post on the date you select, so schedule them a few days before your due date to account for processing time.
Mail payments and in-store payments
If you pay by mail, send your check or money order to the address on your statement. Do not send cash. Synchrony must receive the payment by your due date to avoid a late fee — the postmark date does not matter. Mail typically takes 7 to 10 business days, so if your due date is within two weeks, mail is too slow. Include your account number on the check so Synchrony can match it to your account.
You can also pay in person at any Bass Pro Shops location. Ask at the customer service desk or register. In-store payments are processed through the store's system and forwarded to Synchrony, so they take a few business days to post. This method is useful if you prefer to handle the transaction face-to-face, but it is not faster than online or phone payment.
Due dates, late fees, and what happens if you miss a payment
Your due date is the same day each month — you can find it on your statement or in your online account. Synchrony charges a late fee if your payment arrives after that date. The fee amount depends on your account terms, but it is typically $25 to $40 for the first late payment and may increase if you miss multiple payments. A late payment also appears on your credit report and can lower your credit score.
If you miss a payment by 30 days or more, Synchrony may report the account as delinquent to credit bureaus. If you are more than 60 days late, your interest rate may increase to a penalty rate. If you fall behind, contact Synchrony as soon as possible — they may offer a hardship plan or allow you to catch up over time rather than demanding the full amount when ready.
Minimum payment versus paying the full balance
Your statement shows both the minimum due and the full statement balance. The minimum is usually 1 to 3 percent of your balance, plus any interest and fees. Paying only the minimum keeps your account current and avoids a late fee, but you will pay interest on the remaining balance. The longer you carry a balance, the more interest you owe.
Paying the full statement balance each month means you owe no interest. If you cannot pay the full balance, paying more than the minimum reduces the interest you owe on the remaining balance. For example, if your balance is $1,000 and the minimum is $25, paying $100 instead saves you money on interest over time. Your due date does not change based on how much you pay — it stays the same each month.
Frequently Asked Questions
What happens if I pay after my due date but before the end of the month?
Synchrony charges a late fee as soon as your payment is late, even if you pay before the month ends. The due date is the important date — paying a day late costs you the late fee. However, if you pay within 30 days of the due date, the account is not reported as delinquent to credit bureaus, though the late fee still applies.
Can I pay my Bass Pro credit card at a Bass Pro store?
Yes, you can pay at the customer service desk or register at any Bass Pro Shops location. The payment is processed through the store's system and forwarded to Synchrony, so it takes a few business days to post to your account. This method is convenient if you are already at the store, but online or phone payment is faster.
What if I want to pay more than my statement balance?
You can pay any amount, including more than your current balance. The extra amount becomes a credit on your account and offsets future charges. You can also request a refund of the credit if you prefer, though most people leave it on the account to cover the next month's purchases.
Do I need to pay the full balance to avoid interest?
Yes. Synchrony charges interest on any balance that carries over to the next month. If you pay the full statement balance by the due date, you owe no interest. If you pay only the minimum or a partial amount, interest accrues on the remaining balance at your card's annual percentage rate.
Can I set up automatic payments for a different amount each month?
No. Automatic payments are set to a fixed amount — either the minimum due, the full statement balance, or a dollar amount you choose. If you want to vary the amount, you will need to make manual payments each month instead.