Tackle
Catfish rigs: four that work from the bank, and the one component people get wrong
Every catfish rig is a variation on one idea: let the fish take line without feeling the weight. The differences are about where the bait sits.
By Sawyer V. · Last updated · How we pick

The short answer
From the bank, tie a slip sinker rig. Over mud or weed, tie a Santee Cooper rig — the same thing with a peg float on the leader to lift the bait off bottom. In current, tie a three-way. All three use a circle hook, which you never set: when the rod loads, you just reel. Sweeping the rod on a circle hook is how most catfish are lost.
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The four rigs
Catfish rigs are simpler than walleye rigs and the differences between them matter more. All four below are a sliding or fixed weight, a leader and one hook. What changes is where the bait ends up.
| Rig | Bottom it suits | Where the bait sits | Current | Core hardware |
|---|---|---|---|---|
| Slip sinker | Clean sand, gravel, hard clay | On the bottom | Still to moderate | Egg or no-roll sinker, bead, swivel, 18-24 in leader |
| Santee Cooper | Mud, silt, light weed | 6 to 12 in up, floating | Still to moderate | Slip sinker rig plus a peg float on the leader |
| Three-way | Rock, rubble, strong flow | Held off bottom by flow | Strong | Three-way swivel, short drop to sinker, longer leader |
| Float / bobber | Anything, including snaggy | At a set depth | Still to drifting | Slip float, stop, bead, split shot |
1. The slip sinker rig
Sinker on the mainline, bead, barrel swivel, 18 to 24 in of leader, circle hook. The sinker slides, so a catfish picking the bait up moves off with line running through the weight and feels nothing.
Sinker shape is the decision. An egg sinker is the default. A flat no-roll sinker is better in current because it does not roll downstream, and it lies flatter on a hard bottom. Our sinkers page covers the shapes; no-roll and egg sinkers are the two to own.
Weight: 1 to 2 oz still water, 3 oz in moderate current, 4 oz and up in a real river. Heavy enough to hold, and not an ounce heavier — a catfish rig that will not move at all telegraphs the weight to the fish.
A Carolina Keeper is a useful swap for the swivel here. Presco publishes it as an 8-pack: squeeze with pliers, slide, release. That gives you an adjustable leader and one knot in the rig instead of three, and knots are where catfish rigs fail.
2. The Santee Cooper rig, which is the one most people should tie
The Santee Cooper rig is a slip sinker rig with a small peg float threaded onto the leader, an inch or two above the hook. The float lifts the bait 6 to 12 in off bottom.
That sounds like a detail. It is the difference between fishing and not fishing on a lot of water. On a soft mud or silt bottom a cut bait lies in the ooze where a catfish cannot see or smell it properly; over light weed it disappears entirely. Lift it a hand’s width and it is visible, it moves in any flow at all, and the scent trail carries.
It also keeps bait away from turtles and small channel cats working the bottom, and it makes a circle hook work better, because the bait is where a fish can take it cleanly rather than nosing into mud.
You need peg floats, which are sold specifically for this and cost very little. Everything else is the slip sinker rig above.
3. The three-way rig, for current
A three-way swivel: mainline to one eye, a short dropper (6 to 12 in) to the sinker on the second, and a longer leader (18 to 36 in) to the hook on the third.
In strong flow this is the rig that works, for two reasons. The sinker is on its own short leg, so when it wedges in rock you can break off the dropper and keep the hook and the fish. And the longer hook leader streams out behind in the current, holding the bait up off the bottom where the flow is moving rather than in the dead layer against the rocks.
Tie the dropper in lighter line than the mainline on purpose. Our swivels and snaps page covers the hardware and why the cheap ones fail; a three-way takes load from two directions at once, which is exactly where a bad swivel opens up.
This is also the rig for the river setup, and it is the one most likely to cost you tackle. Buy sinkers in quantity.
4. The float rig, for snaggy water and for fun
A slip float, a stop, a bead, a split shot and a hook. Thill publishes its Pro Series slip floats at 7/8 in and 1 in on balsa with a brass grommet — those are sized for a bait and a small shot, so for a big chunk of cut bait you want a larger float.
Two real uses. First, water with a bottom you cannot fish: flooded timber, brush, rock gardens. Second, flathead and channel cats that cruise at mid depth at night, which a bottom rig never reaches.
Set it so the bait sits 1 to 2 ft off bottom. Our bobbers and floats page covers slip float mechanics in detail.
The circle hook, and the thing everybody gets wrong
Every rig above assumes a circle hook, and a circle hook changes what you do when a fish bites.
Gamakatsu publishes its Octopus Circle Inline Point in sizes 1/0 through 8/0, 25 to a pack, NS Black, in heavy wire, with “its point, bent at a 90-degree angle to the shank, which catches in the fish’s mouth.” That 90-degree point is the whole mechanism: as the fish swims away, the hook rotates and the point finds the corner of the jaw. It does this on its own.
So you do not set it. When the rod loads up, you reel. Start reeling steadily and lift the rod as it comes tight. A hard sweep pulls the hook out of the mouth before it has turned, which is why anglers switching from J hooks report losing fish and blame the hook.
Size by fish, not by bait. 3/0 to 5/0 for channel cats on cut bait or chicken liver. 6/0 to 8/0 for flatheads and blues on big live or cut bait. Gamakatsu publishes the bent eye for snelling or a direct knot, and snelling a circle hook genuinely improves how it rotates.
A circle hook also lands most fish in the jaw hinge rather than deep, which makes release survivable. Our catch and release page covers the rest of that, and our hooks page covers how sizes work.
The rod, reel and line these rigs assume
A catfish rig only works if the rest of the setup lets the fish take line and then stops it.
Rod: 7 ft medium-heavy with a moderate action, so a fish can load the tip without ripping the bait. Our catfish rods page makes the case that action matters more than power here.
Line: 15 to 20 lb mono for channel cats. Berkley publishes Trilene Big Game at 0.015 in for 15 lb with 900 yd on the spool, which is enough to re-spool several reels — and these rigs lie on rock and shell, so a fresh abrasion resistant line matters more than an expensive one. Our monofilament page has the published diameters.
Leader: heavier than the mainline is a mistake people make. Equal or slightly lighter means you break the leader, not the whole rig, and you keep the sinker.
Two rod holders, not one. Our bank fishing setup explains why; a catfish rod left lying on gravel is a rod that goes in the water.
What we have not told you
No figure on this page is ours. The hook, float, sinker and keeper specifications are the manufacturers’ own published figures, linked below. The weights and leader lengths are the standard ranges these rigs are built around rather than tested results — current, bottom type and bait size all move them, and the right weight is always the lightest one that holds.
So what do I actually buy?
A pack of circle hooks, sinkers, peg floats and a line stop is the whole terminal kit for all four rigs. Buy the hooks in the 25-pack: you will lose them on rock and it is the cheapest per-hook way in.
Gamakatsu Octopus Circle Inline Point Hook (6/0, 25 pack)
$20.95Published 1/0 to 8/0, 25 per pack, inline point at 90 degrees. 6/0 suits flatheads and blues.
#ad how this is funded · price as of October 12, 2026
Presco Carolina Keeper Line Stop (8 pack)
$10.508 per pack. Replaces the swivel on a slip sinker rig; one knot instead of three.
#ad how this is funded · price as of October 12, 2026
Berkley Trilene Big Game Monofilament Line (15 lb, 900 yd)
$11.9915 lb at a published 0.015 in, 900 yd on the spool. Abrasion resistance is the spec here.
#ad how this is funded · price as of October 12, 2026
Ugly Stik Catfish Spinning Rod (7' Med-Heavy)
$64.957 ft medium-heavy with a moderate action. The rod these rigs are designed around.
#ad how this is funded · price as of October 12, 2026
Thill Pro Series Slip Bobber Float
$4.78Published 7/8 and 1 in balsa. For the float rig, and sized for bait rather than big chunks.
#ad how this is funded · price as of October 12, 2026
Questions people actually ask
What is the best catfish rig for bank fishing?
A slip sinker rig on a clean bottom, and a Santee Cooper rig — the same rig with a peg float on the leader — anywhere the bottom is mud, silt or light weed. The float lifts the bait 6 to 12 in so a catfish can find it.
What is a Santee Cooper rig?
A slip sinker rig with a small peg float threaded on the leader an inch or two above the hook. The float holds the bait 6 to 12 in off bottom, which keeps it out of mud and weed and in the scent flow. It is the single most useful change you can make to a bottom rig.
How do you set the hook with a circle hook?
You do not. When the rod loads, start reeling steadily and lift as it comes tight. The point is bent 90 degrees to the shank so it rotates into the jaw hinge as the fish moves away — a hard sweep pulls it out before it turns.
What size circle hook for catfish?
3/0 to 5/0 for channel cats on cut bait or liver, and 6/0 to 8/0 for flatheads and blues on big baits. Gamakatsu publishes the Octopus Circle Inline Point from 1/0 to 8/0 in 25-packs.
How much weight for a catfish rig?
1 to 2 oz in still water, around 3 oz in moderate current and 4 oz or more in a real river. Use the lightest weight that holds position: a rig pinned down by too much lead gives the fish something to feel.
Should a catfish leader be heavier than the mainline?
No. Equal or slightly lighter means a snagged rig breaks at the leader and you keep the sinker and swivel, and a lost leader is cheaper than a lost rig. Heavier leader is a saltwater habit that costs freshwater anglers tackle.
Do you need a swivel on a catfish rig?
Something has to stop the sinker sliding down to the hook. A barrel swivel is the traditional answer and also helps with line twist; a line stop such as a Carolina Keeper does the same job with one knot instead of three and lets you adjust the leader.
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Sources
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