Best Credit Cards For Pet Owners – Bankrate. com


Adding a pet to your family can add an enriching sense of companionship to your life — as well as brand-new expenses. Pet ownership can cost several hundred dollars per year, including pet supplies and other recurring purchases. That’s not to mention upfront costs like adoption fees, spaying or neutering and microchipping, all of which can cost between $300 to $800 on average.

Having a rewards credit card as trusty as your sidekick can be an effective way to help offset these costs. But finding the right card for a pet owner can be tricky since credit card bonus categories typically don’t include key costs like vet visits, pet store purchases and dog medications.

Whether you’re in the market for your first rewards card or looking to adopt another card to fit your new budget, these credit cards could help you save money on your pet’s needs or cover unexpected family pet ownership costs that pop up.

Compare the best credit cards for pet owners

Credit One Bank® Greatest Friends® Credit Card 5% cash back on the first $5, 000 of pet shop, pet food store plus pet supply store purchases each year (then 1% back) $0 Pet shops and supply stores
Blue Cash Preferred® Card from American Express

  • 6% cash back on U. S. supermarket purchases (up to $6, 000 per year, then 1%), and on select U. S. streaming subscriptions
  • 3% cash back on U. S. gas station and transit buys
  • 1% cash return on other purchases

$0 intro annual fee for the first year, then $95 Supermarket supplies
Blue Cash Everyday® Card from American Express

  • 3% cash back at U. S. supermarkets, U. S. gas stations and U. S. online retail purchases (on up to $6, 000 of combined purchases per calendar year, then 1 percent)
  • 1% cash back on other purchases

$0 Online purchases
Chase Freedom Unlimited®

  • 5% cash back on Lyft purchases (through March 2025) and on travel purchased through Chase Ultimate Rewards
  • 3% cash back on dining and drugstore purchases
  • 1 . 5% cash back on some other purchases

$0 Everyday use
Bank of America® Customized Cash Benefits credit card

  • 3% back upon category purchases of your choice (including gas, online shopping, dining, travel, drugstores or home improvement)
  • 2% back at grocery stores and wholesale clubs
  • 1% back on all other purchases
  • (3% and 2% category purchases share a combined $2, 500 quarterly spending limit, earning 1% back after that)

$0 Wholesale clubs
Discover it® Cash Back

  • 5% back on rotating categories each quarter (on up to $1, 500 in purchases, then 1%; category activation required)
  • 1% back about all other purchases

$0 Category variety
Discover it® Student Cash Back

  • 5% back on rotating categories each quarter (on as much as $1, 500 in buys, then 1%; category activation required)
  • 1% back on all other purchases

$0 Students
Bank of America® Customized Cash Rewards Secured Credit Card

  • 3% back on category purchases of your choice (including gas, online shopping, dining, travel, drugstores or home improvement)
  • 2% back at grocery stores and wholesale clubs
  • 1% back on all other buys
  • (3% plus 2% category purchases share a combined $2, five hundred quarterly spending limit, earning 1% back after that)

$0 Building credit
CareCredit® Credit Card N/A $0 Emergency expenses

Credit One Bank® Best Friends® Credit Card: Best for dog shops and supply stores

Why we picked it : The Credit One Bank Best Friends Credit Card is one of the only credit cards to specifically reward spending at pet-related retailers. The card earns an impressive 5 percent cash return on your first $5, 000 of pet shop, family pet food store and pet supply store purchases each year (then 1 percent back).

That means you even earn 5 percent back on grooming, pet sitting or boarding and adoptions if they’re offered by an eligible store. Although some cards reward stores and online retailers that carry pet supplies, it’s hard to beat this unique card’s benefits rate on specialized pet purchases.


  • There is no annual fee, which makes it easier to justify this specialized card
  • Accessible with average to excellent credit, meaning you may qualify with at least a 580 FICO score
  • The Best Friends Animal Society receives a donation equal to 1 percent cash back on each purchase


  • It’s not a good standalone card since it only earns cash back at eligible pet retailers — other purchases don’t even earn 1 percent back
  • Doesn’t provide a sign-up bonus or intro 0 percent APR offers
  • Charges a high APR of 26. 99 percent variable

Who should apply : Pet owners who get most of their pet products from dedicated pet shops, especially those who will follow from these stores or use their grooming or boarding services.

Who should skip : Pet owners who want a standalone card that also earns rewards on non-pet expenditures.

Bankrate insight : The Credit One Best Friends card is a Visa credit card , meaning that purchases from any pet store that appears on your monthly billing statement with the 5995 merchant category code (MCC) will earn 5 percent cash back (MCC 5995: Pet Shops, Pet Foods and Supplies Stores).

Blue Cash Preferred® Cards from American Express: Best for supermarket supplies

Why we picked it : The Blue Cash Preferred Card is known as one of the best cash back cards on the market for everyday expenses, including pet food and additional supplies you can buy at supermarkets. You’ll earn 6 % cash back at U. H. supermarkets (up to $6, 000 per year, then 1 percent), and this card’s stellar cash back on a variety of various other popular categories can free up a bit more money toward dog expenses.


  • Its 6 percent cash back rate is perhaps the highest rewards rate available on family pet food and other necessities, as long as you buy them at eligible U. S. supermarkets.
  • You’ll also rake in unlimited 6 percent cash back upon select U. S. streaming subscriptions and 3 % on transit and Oughout. S. gas station purchases.
  • Its $250 statement credit welcome offer can make a big dent in pet adoption costs (available after $3, 000 in purchases during the first six months).
  • It offers a 0 percent intro APR on both purchases and balance transfers for 12 months (then a 16. 99 percent to 27. 99 percent variable APR), which can give you time to pay off big expenses like adoption costs or veterinary bills.


  • Though it carries a $0 intro annual fee for the first year, you’ll face a $95 annual fee after that.
  • You’ll only earn 1 percent cash back on purchases at wholesale clubs and superstores like Walmart and Target.

Who should apply : People who buy most of their pet food and other basics at U. S. supermarkets and can earn enough cash back from the card’s categories to justify its annual fee.

Who should skip : Pet owners who buy their food and supplies in bulk from wholesale clubs like Costco or superstores like Walmart. You may also want a different card if your pet has dietary restrictions or requires specialty products you can’t find at supermarkets.

Blue Cash Everyday® Card from American Express: Best for online purchases

Why we picked it: The Blue Cash Everyday card is more than a no-annual-fee alternative to the Blue Cash Preferred. Along with 3 percent back at Circumstance. S. supermarkets and U. S. gas stations, you’ll also earn 3 percent cash return on U. S. online retail purchases.

That allows you to earn cash back with a remarkable range of pet-related merchants. American Express specifically mentions Chewy. com is eligible, but you should be able to earn cash back with plenty of other popular retailers and online pet pharmacies as well.


  • Its comprehensive online shopping category and other everyday spending categories make this cards one of the best no-annual-fee rewards cards for pet owners.
  • In addition to its $100 statement credit welcome offer (after spending $2, 000 during your first six months), you can earn 20 percent cash back on PayPal purchases made within your first six months (for a total of up to $150 back). That could be helpful if you shop online for specialized supplies that aren’t sold at typical pet stores.
  • It carries a 0 percent intro APR on purchases and balance transfers for 15 months (after which a 17. 74 percent to 28. 74 percent variable APR applies) and a Pay It Plan It alternative payment program, which could help you pay off unexpected expenses over time.


  • The bonus categories only earn a few percent cash back on your 1st $6, 000 each year (then 1 percent back), which may hold back big spenders.
  • Shopping for most of your pet needs online can be inconvenient and potentially impractical if you can’t wait on shipping.
  • Its U. S. supermarket category doesn’t include wholesale clubs superstores.

Who should apply : People who don’t mind shopping online for their pet products or visiting U. S. supermarkets. Chewy. com fans, online pet pharmacy users and owners of pets with special needs will find the Blue Cash Everyday especially valuable.

Who ought to skip : Pet owners who don’t frequently shop in supermarkets or buy furry friend supplies online.

Chase Freedom Unlimited®: Best for everyday use

Why we picked it : Pet owners who want a simple rewards experience can use the Chase Freedom Unlimited to earn at least 1 . 5 percent procuring on all their purchases. But , unlike other flat-rate cash back cards , it also provides unlimited 3 percent back on dining and drugstore purchases. This shakes out to more cash back again on purchases that some other cards may only earn 1 percent back on, including veterinary bills, pet medications, boarding and more.

Plus, the drugstore category comes in handy for basic dog supplies and some pet medications available at popular drugstores.


  • If you pair this card having a higher-tier Chase Ultimate Rewards card , your rewards can be worth 25 to 50 percent more when you redeem for travel through Chase
  • Its excellent cash back rates plus intro APR welcome offers are great for taking on the costs that come with getting a pet
  • You can save money upon deliveries from pet stores with three months of complimentary DoorDash DashPass and 50 percent off the monthly rate for the next nine months (activate before Dec. 31, 2024).


  • Depending on your pet’s prescriptions, you may not get much mileage from the drugstore bonus category since drugstores may only fill prescriptions for pet medications if they can also be prescribed to humans.
  • Doesn’t offer more than 1 . 5 percent cash back at grocery stores, pet stores and other major retailers that carry pet supplies.

Who should apply : People who prefer a standalone benefits card that earns more than 1 percent back on both family pet and human expenses. The Freedom Unlimited is especially helpful for with regard to owners with expenses that outweigh their pet food and supply spending, including medicines and pet sitting services.

Who should skip : People who can get most of their dog needs at supermarkets would get more cash back from a grocery credit card . Likewise, pet owners who prefer travel rewards can get more value with the Capital One Venture Rewards Credit Card , and people who don’t make dining or drugstore purchases often may want the Wells Fargo Active Cash® Card instead for its 2 % flat-rate cash rewards.

Bank of America® Customized Cash Rewards Credit Card: Best for low cost clubs

Why we picked it : The no-annual-fee Lender of America Customized Money card provides a diverse list of 3 percent cash back groups to choose from, including online shopping in addition to home furnishings. These two categories in particular can be helpful for online animal retailers and getting pet-friendly furniture (or replacing damaged furniture).

What’s more, bulk buyers will love this card’s permanent 2 percent back at grocery stores and wholesale clubs. Wholesale club purchases rarely earn more than 1% back on credit cards, so this category could be especially helpful for bargain-hunters or people with several pets.


  • The online shopping group includes Walmart. com and even Target. com — two major stores that typically don’t fall within credit card bonus categories.
  • The Bank of America Preferred Rewards program could boost your rewards rates by up to 75 percent.
  • Provides a much longer break from interest than other no-annual-fee rewards cards with a 0 percent intro APR on both purchases and balance transfers for 18 billing cycles (then a 16. 99 percent to 26. 99 percent variable APR).


  • You’ll only earn a top rate in the card’s 2 percent and 3 per cent cash back categories on your first $2, 500 in combined spending each quarter. After you reach that threshold, you’ll only earn 1 percent back in these categories.
  • The online shopping category focuses on retailers, so you may not be able to earn 3 percent purchasing on online pet drug-store purchases.
  • The card’s $200 online cash rewards welcome offer requires $1, 000 in spending in your first 90 days — double the spending required to earn several other no-annual-fee credit card bonuses.

Who should use : Pet owners who stock up at wholesale clubs or want the flexibility to choose from a variety of bonus categories each month.

Who need to skip : Big spenders who may easily exceed the bonus categories’ quarterly combined purchase limit.

Discover it® Cash Back: Best for class variety

Why we picked this : You can use the Discover it Cash Back card in order to earn an excellent 5 percent money back in a variety of bonus categories that will rotate throughout the year (upon activation, on up to $1, 500 in spending per quarter, then 1 percent back). These rotating classes may allow you to earn remarkable cash back about pet needs each quarter since the card’s bonus types usually include grocery stores, digital wallet purchases and major online retailers.


  • Its Cashback Match welcome offer provides incredible value by matching all cash back you earn in your first year.
  • Poses some of the lowest rates and fees on the market, including no annual fee, foreign transaction fees, penalty APR or even fee on your first late payment (up to $41 after that).
  • Discover announces its rotating categories several months ahead of time, which lets you plan out your pet buys for maximum cash back


  • You’ll need to activate your rotating categories every one fourth and track your spending due to the $1, 500 quarterly spending limit
  • You may need to adjust where and how you shop to align with each quarter’s categories, together with categories may not always be a good fit for your spending.

That should apply : Pet owners who don’t mind putting in a little elbow grease to generate stellar cash back in different types each quarter.

Who should skip : People who don’t want to activate and track changing categories each quarter. The particular Chase Independence Flex℠ may be more appealing for some cardholders since it offers a consistent 3 pct cash back on dining and additionally drugstores in addition to Chase’s 5 percent cash back revolving categories (after activation, on up to $1, 500 in spending per quarter, then 1 percent back).

Discover it® Student Cash return: Best for students

Why we picked that: The Find out it Student Cash Back card gives students picking their first animal a chance to earn outstanding cash back with the full power of the Discover’s 5 percent rotating categorizations. The sheer rewards potential, award-winning customer service and low rates and fees are a remarkable deal considering no credit history is required to obtain this top-notch student bank card .


  • Several of the card’s usual bonus categories can reward popular college student not to mention pet expenses, such as groceries, dining, gas and on the internet purchases.
  • It’s one of the few student cards with an 0 percent intro APR on purchases, giving you a six-month period to pay off pet-related costs without accruing interest (after which a 15. 99 percent to 24. 99 percent variable APRIL applies).
  • Student cards usually carry weak welcome offers — or perhaps none at all — but this card provides the full Discover Cashback Match.


  • Managing rotating categories might be intimidating if you’re new to credit cards, especially if you’re already busy with pet and student responsibilities.

Who should utilize : Students who do not mind adjusting their investing based on the card’s rotating different categories in exchange for a high advantages rate.

Who should skip : Students who already have a lot on their plate and seldom want to micromanage their credit card’s rewards program. A flat-rate card like the Capital One Quicksilver Student Cash Rewards Bank card is much easier to handle since it earns unlimited 1 . 5 percent cash back in all purchases. Its reliable rewards rate may also make more cash back on canine expenses since it covers online shopping, pet stores, veterinary visits and more.

Bank of America® Customized Cash Rewards Secured Credit Card: Best for building credit score

The reason why we picked it : The Financial institution of America Customized Money Secured greeting card delivers the same flexible cash return categories as the full-fledged Customized Cash card without requiring the credit history. It allows you to gain impressive cash back for a secured card and to swap out your cash back categories once per month to fit your spending.


  • Earns a few percent cash back in one associated with six popular categories, 2 percent back at grocery stores and wholesale clubs and also 1 percent back on additional purchases.
  • You can change your 3 percent type once per month with choices including gas, online shopping, eating, travel, drugstores and home improvement and furnishing stores.

Negative aspects

  • Requires a minimum refundable security deposit of $300, that could be too much to tie up for some cardholders.
  • Its 3 percent as well as 2 percent categories share a combined $2, 500 quarterly spending limit. Once you reach that threshold, the card only earns 1 percent procuring for the remainder of the 1 / 4.
  • Doesn’t provide a sign-up bonus or intro APR offer like some secured cards.

Who have to apply : Pet owners who are building or rebuilding their own credit and shop for materials at a variety of retailers, including wholesale clubs.

Who should skip : People who may surpass the cash back categories’ quarterly spending limits or would prefer a more streamlined rewards experience. The Capital One Quicksilver Secured Funds Rewards Credit Card and its unlimited, 1 . 5% flat-rate cash back may be more interesting to these potential cardholders.

CareCredit® Credit Card: Best for emergency expenditures

Why we picked it: Although the CareCredit card isn’t a typical charge card, it’s a solid option for managing any unexpected medical or maybe veterinary costs. The CareCredit card is typically used for out-of-pocket medical charges , but it also allows you to finance veterinary bills if you can’t cover the cost upfront.

You’ll be able to pay off buys of $200 or more along with short-term payment plans regarding six, 12, 18 as well as 24 months while avoiding attention, as long as you make the minimum monthly payments and pay off your plan in time. As long as you use it carefully, this deferred curiosity card can give you the flexibility you need to cover routine and emergency veterinary procedures.


  • Short-term financing with deferred interest is more convenient and potentially more cost-effective than a typical loan and its guaranteed fascination. The 0 percent INTEREST period may also be longer than the offer you can get on a traditional credit card.
  • It can cover a range of veterinary methods — including annual check-ups, teeth cleaning, medications plus surgeries — on dogs, cats, birds, reptiles, horses and other animals.


  • If you don’t pay off your balance in full by the time your term ends, you will owe all the interest of which began accruing since the plan began — based on a new sky-high 26. 99 per-cent variable APR.
  • The card also offers 24-month to be able to 60-month financing plans, but these long-term plans carry variable APRs of 14. 90 percent to 17. ninety percent. That may be high enough to make a fixed-term family pet loan more cost-effective.
  • Not all veterinarians accept CareCredit as a payment option.

Who should implement : Pet owners who may need a short-term alternative payment plan to pay off medical expenses.

Who will need to skip : People who aren’t confident they can pay off their particular payment plan before the payment period ends. A card like the BankAmericard® credit-based card may be less risky, since you’ll only owe interest on the balance that remains at the end of your own intro APR period.

How to choose a card for pet owners

The best visa or mastercard for your needs as a pet owner hinges on a few key questions you should consider:

  • What are your biggest pet-related bills ? Each pet comes with its own particular needs, and the list of potential credit cards narrows based whether these expenses are eligible for rewards. For example , you may want a card the fact that earns more cash back, points or miles on drugstore or online pet chemist purchases if you have a senior animal with a lot of drugs.
  • Where do you buy your pet supplies ? Some cards will earn more rewards if you buy your pet supplies at certain places. Pet food is a big recurring expense, so some sort of card that earns purchasing at grocery stores may be more worthwhile if you can buy your pet’s food at a supermarket instead of a pet store.
  • Are you planning to get a pet, or do you already have one ? A card that earns rewards at pet shops or a flat-rate rewards card may earn rewards on your pet adoption expenses, but you may want a rewards card centered around recurring expenses if you already have pets. The upfront costs that come with getting a pet may also help together with earning a card’s sign-up bonus or require you to take advantage of a 0 percent introduction APR. Similarly, a card that rewards buying in bulk can be best if you already have several pets (a card with a wholesale club category, for instance).
  • What are your biggest non-pet expenses ? While a card that will targets your pet’s needs is important, don’t forget to choose a good card that rewards the other priorities in your budget as well. For example , a gas reward category won’t reward your pet budget, but it can be a valuable feature if you frequently drive and you’re on the fence between two similar cards.
  • Are you worried about financing expenses ? If you don’t have the financial flexibility to take on costs like furry friend adoption or veterinary bills all at once, a card with a good 0 percent intro MONTHLY INTEREST on purchases can give you some time to pay off those expenses without tacking interest onto your balance. If you’re already working on paying off a credit card balance, a strong 0 percent intro APR on balance transfers could help you consolidate your debt, pause the snowballing desire and free up your balance.

The bottom line

Owning a pet can be a rewarding experience — even financially, if you have the right mastercard. But since pet stores in addition to veterinarians aren’t bonus areas you normally find on a rewards card, you’ll need to be strategic about which card you use.

The most lucrative options tend to be credit cards that reward groceries, buying online and other major retailers that may carry pet supplies. Online shopping categories tend to be the most versatile since they may cover sites like Chewy. com, on-line pet store purchases and their online pet pharmacies. However , if you have a pet that needs regular vet attention or specialized products that aren’t found in typical pet stores, your flat-rate rewards card could possibly be your best bet.

*The information about Credit One Bank® Best Friends® Charge card and CareCredit® Credit Card has been collected independently by Bankrate. com. The card details have not been reviewed or approved by the card issuer.

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