10 Best Pet Care Credit Card [2024]

Pet Care Credit Card: If we buy any pet and bring it to our home, it can be just like a family member because we have a special attachment to the pet. We care for the pet and love them, and the pet also loves us. And we also spend some money to take care of the pet and raise it well. Suppose you buy stuff for your pet and get some cashback and rewards; yes, it is possible with the help of some pet credit card.

You can get cashback, reward points, and milestone benefits on every purchase you make for your pet.

Today we are going to explore pet credit cards. We deeply analyze and research pet credit cards so that whenever you purchase pet-related items and other pet services, you can get the best offers and many benefits from pet expenses.  

There are different types of credit cards available in the market, but when it comes to saving and earning on pet-related purchases, there are few pet credit cards. Which pet credit card is best at the time of purchasing pet items? And yes, you can save much more with good pet credit cards.

So, today in this article are going to uncover the best pet credit cards for pet-related purchases and discuss the different options for saving and to avail special card offers.

You will never regret using these credit cards; let’s get started.

The 10 Best Pet Care Credit Card

Let’s have a brief look at our featured pet credit card with details of how each card gives benefits on each purchase.

1. Chase Freedom Flex℠

Freedom Flex credit card is an excellent card with no annual fee. And you can earn up to 5% cashback on traveling and other categories.

 Pet Care Credit Card
Annual Fee$0
APR0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.99% – 28.74%
Credit RecommendedGood to Excellent (670-850)

The Chase Freedom Flex credit card is extremely good – especially for a no-annual-fee credit card.

The Freedom Flex credit card is best for those who want cash back on their shopping. A credit card can be a powerful reward earner when paired with a premium credit card.


  • APR will be 0% for 15 months from the account opening and balance transfers, and then the APR changes to a variable APR of 19.99% – 28.74%.
  • Ultimate cashback: You can earn 5% cash back on quarterly categories and booking for travel tickets through Chase Ultimate Rewards, 3 % cash back on drugstore expenses dining, and 1% cash back on all other categories.
  • No annual fee
  • Excellent cell phone insurance
  • Ability to pool points
  • Mastercard World Elite benefits


  • 3% foreign transaction fees in U.S. dollars

Benefits if Freedom Flex Credit Card

  • With the help of the Freedom Flex credit card, you can earn $200 as a bonus if you spend $500 on purchases in the first 3 months of card activation.
  • Purchase up % to 1500 on combined bonus categories quarterly, and you will get 5% cashback. And 5% cash back on new categories every quarter.
  • If you spend on travel tickets with Chase Ultimate Rewards, you will earn 5% cash back, and you can easily redeem these cash points for travel tickets, gift cards, and many more.
  • 3% cash back at restaurants, drugstore purchases, and unlimited 1% cash back on all other categories.
  • There is no limitation to the redemption of cash points; whatever the number of cash points you have can be redeemed easily. You can get your monthly basis credit card statement. And there is no expiry of the cash points, so you can redeem them whenever you want.
  • When you activate your credit card, you will be charged 0% APR on purchases and transfers for 15 months. Then a variable APR of 19.99% – 28.74%.
  • You don’t have to pay the annual fee of the Freedom Flex credit card, and you can avail of all the features free of cost. 
  • Freedom Flex credit card helps you to monitor your credit score and real-time alertness. 

The Freedom Flex credit card offers the highest regard for pet expenses when purchasing at pet shop stores. If you purchase items from these merchants, you will earn 5% cash-back in the form of ultimate reward points.

There are a lot of stores that offer bonus earnings every quarter on different categories, and the payment you have to do with a Freedom Flex credit card: 

For this, you have to activate your quarterly bonus earnings each quarter, and you can earn 5% cash back if you purchase $1500 on specific categories mentioned above from your Freedom Flex credit card.

Hot Tip: There are a lot of merchants who sell gift cards every quarter, and you can use these gift cards for your pet’s expenses. Gift card offers and availability differs by merchandise and by location.

Why We Like the Freedom Flex Card Overall

  • From March 2025, you will get 5% cash back on Lyft rides.
  • The earn reward points can be easily transferred to your premium Chase credit cards, and you can redeem the points at 50% more in value for travel.
  • You will get a 3-month DoorDash Dash Pass subscription as a complementary. And 50% off option for 9 months.
  • Enjoy the purchase protection and extended warranty on products.

Bottom Line: If the pet stores are easy to approach, then you can earn 5% cash back in most quarters using a Freedom Flex credit card.

Credit Card For Pet Care

2. Chase Freedom Unlimited®

This all-in-one credit card offers a great bonus in different categories, including reward points for every purchase you make!

 Pet Care Credit Card
Annual Fee$0
APR0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.99% – 28.74%.
Credit RecommendedGood to Excellent (670-850)

The Chase Freedom Unlimited credit card is one of the finest credit cards because the credit card doesn’t charge annual fees in return; the Chase Freedom Unlimted credit card offers multiple great bonuses in categories life, 5% on travel tickets, 3% cash back on dining and drugstores, 1.5% cash back on all other categories.

While the most amazing thing is if you pair Freedom Unlimed credit card with the Ultimate Rewards family, your card can be the most lucrative in your pocket.


  • The credit card offers 0% APR for the starting 15 months on your purchase and balance transfer, then an APR of 19.99% – 28.74% will be offered, a variable APR.
  • 5% cashback on your travel tickets with the help of chase’sChase ultimate rewards.
  • 3% cashback will be offered on dining and drugstore expenses.
  • 1.5% cash back on all other purchases
  • No annual fee
  • You can earn big rewards on your travel expenses through Chase Ultimate Rewards.
  • Bonus on dining and drugstores
  • Simple and easy system of cashback on all other purchases.


  • The 3% foreign transaction fee is high.

Welcome, offer: You can earn additional 1.5% cash back on everything you purchase. But you must spend at least $20,000 in the first year to avail of this offer. And capping is also there; you can earn up to $300 cash.

  • Purchase travel tickets with Chase Ultimate Rewards and get 6.5% cash on your expenses. These reward points can be easily redeemed for cash back, gift cards, and travel. If you visit dining and stores and do any expenses, you can get 4.5% cash back and 3% cash back on all other expenses.
  • If you spend $20000 in the first year, then you can enjoy 5% cash back on Chase travel expenses through Ultimate Rewards, 3% cash back on dining at restaurants and drugstore expenses, and 1.5% cash back will be given on all other categories.
  • You can still redeem those points easily if you have fewer reward points. There is no foundation in the redemption of cash points. And there is no expiry of these cash points.
  • You can enjoy 0% APR for 15 months from activating your credit card, which is valid on purchases and balance transfers; after 15 months, the APR of 19.99 – 28.74 will be charged.
  • The most interesting thing is that you don’t have to pay the annual fees of the Freedom Unlimited card.

Check this also: Accepted Platinum Credit Card

3. American Express® Gold Card

Most people purchase pet products from U.S. supermarkets using an Amex Gold credit card and earn 4x Membership Reward points per dollar spent. You can earn a maximum of $25,000 in 4x supermarket purchases annually. After this, you will get 1 reward point per dollar spent.

Food lovers also get maximum benefits at restaurants and big rewards at U.S. supermarkets!

 Pet Care Credit Card
Annual Fee$250
APRSee Pay Over Time APR
Credit RecommendedGood to Excellent (670-850)

The best and ultimate Game changer credit card is Americal Express GoldCard.

With the help of the American Express Gold credit card, you can earn 4s reward points at restaurants and 4x reward points at U.S. supermarkets; if you spend $25000 in a calendar year, then 1x reward points.

There is no other credit card in the market that provides double benefits. And yes, this credit card offers many other benefits, which we will discuss.


  • If you spend $1 at restaurants, you will get 4x reward points and takeout and delivery in the U.S.
  • Again if you spend $1 at U.S. supermarkets, you will get 4s reward points. These reward points will be up to $25000 in expenses in a year; afterward, you will get 1x reward points.
  • If you purchase flight tickets from airlines or at Amex Travel, you will get 3x points on $1 spent.
  • You can get a credit of up to $120; if you pay at Grubhub, Goldbelly, Cheesecake Factory, Wine.com, Milk Bar, and select Shake Shack location, you will get a $10 monthly statement credit.
  • And $120 annual credit in User: You will get $10 monthly in Uber cash for Uber Eats orders or User rides in the U.S. You need to add your Amex Gold Card to the User account for this.
  • There is no foreign transaction fee.
  • You can easily access Amex’s The Hotel Collection.
  • And access to the American Express transfer partners.


  • You need to pay $250 annually for an Amex Gold Credit card.
  • You will not get any lounge access.
  • You can get 60,000 Membership Reward points if you spend $4000 with an Amex Gold credit card in the first 6 months of the card membership.
  • You can get 4x reward points at restaurants, plus takeout and delivery in the U.S., and 4x reward points if you spend in the U.S. supermarkets (this is up to $25000 expenses, then you will get 1x rewards).
  • Buy flight tickets directly with the airline or from amextravel.com and get 3x reward points.

Benefits of Having an Amex Gold Credit Card

  • You can get 4x earnings at restaurants.
  • You can avail of 3x earnings on flight tickets when you purchase directly from the airlines or Amex Travel.
  • You can upgrade Hotel rooms when booking rooms and get $100 benefits per 2-night stay from amenity credits.
  • Travel benefits include secondary car rental, ticket cancellation, and baggage insurance.
  • This credit card covers purchase protection and an extended warranty system.

Great Tips: Grocery stores also provide some gift cards; you can buy the gift cards and use them for pet-related expenses. Buy products from supermarkets to get extra earnings when you use a credit card for your purchase. And you will get extra reward points when you spend on fuel.

3. Hilton Honors American Express Surpass® Card

This credit card gives you 6x Hilton Honours points if you purchase pet products at U.S. supermarkets. While on other products, you will get 3x reward points on your every purchase with the help of a Hilton Surpass credit card.

Hilton Honors American Express Surpass® Car

A Hilton credit card is a great option for earning high reward points and perks like Hilton Honors Gold Status and Priority pass lounge access.

Annual Fee$95
APR20.74% – 29.74% Variable
Credit RecommendedGood to Excellent (670-850)
Credit Cards for Pet

If you love to travel and stay in Hilton hotels, having a co-branded Hilton Hotel card in your wallet will be a good choice. With the help of this credit card, you can have elite status, airport lounge access, and Hilton Honors American Express Surpass Credit Card to be a great fit, which can change your travel experience.


  • You will get 12x reward points at Hilton Hotels
  • The card gives you 6x reward points per $1 spent on U.S. gas stations, U.S. supermarkets, and U.S. restaurants
  • 3x reward points on all other categories if you spent $1 on your purchase.
  • Complimentary Hilton Honors Gold status
  • Zero foreign transaction fees


  • You need to pay an annual fee of $95
  • At the start of 3 months after activating the card, if you do purchasing of $2000, then you will earn 130,000 Hilton Honours Bonus Points and a free night reward. This offer is going to end on 7/19/2023.
  • If you spend $15,000 from this credit card in a calendar year, you can get a weekend Night Reward from Hilton Honours.
  • You can earn 12x reward bonus points for $1 of eligible purchases charged on your credit card directly with Hilton Hotels and Resorts.
  • Get 6x reward points for $1 spent from your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • And 3x reward points on all other eligible purchase categories.
  • If you spend $40,000 on eligible purchases on your credit card in a year, you will get a Hilton Honours Diamond status at the end of the next calendar year.
  • The annual fee of The Hilton Honors American Express Surpass card is $95.

4. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card also provides an extended 0% promotional APR period. With this, you can manage large pet costs without accruing interest in the products. This helps you pay your huge bills in small chunks without worrying about the extra interest.

The amazing thing is you don’t have to pay annual or foreign transaction fees, and you will get flat 1.5% cashback. In every category, you will get cashback; there is no foundation for spending on specific categories.

 Pet Care Credit Card
Annual Fee$0
APR19.74% – 29.74% (Variable)
Credit RecommendedGood to Excellent (670-850)

Major Benefits

  • If you spend $500 in the first 3 months from the card activation, you will get a one-time $200 cash bonus.
  • This credit card offers 1.5% cash back on every daily purchase.
  • There is no annual fee and no foreign transaction fees.
  • As a welcome offer, you will get a 6 months complimentary Uber membership statement credit through 11/14/2024.
  • You can get unlimited 5% cash back on hotel and rental car bookings through a Capital On Travel credit card.
  • There is no expiry of cash back and no capping on the reward points.

5. Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card is free of cost. There is no annual fee. Yes, the free credit card will give you perks and a lot of benefits. With this credit card, the cardholder gets 1.25X reward points on every expense and redeems the points on their miles to cover extra travel charges. 

When you activate this VentureOne credit card, you will get a lot of signup bonuses and some miles in your account. This will help you and your pet to move together on your next adventure trip.

Capital One VentureOne Rewards Credit Card
Annual Fee$0
APR19.74% – 29.74% (Variable)
Credit RecommendedGood to Excellent (670-850)

Pet Care Credit Card for Bad Credit

6. Capital One Platinum Credit Card

Capital One Platinum Credit Card is for you if you have no credit or a very low credit score. This credit card helps you to improve your credit score. The issuer bank always checks your activities and suggests you some good tips to improve your credit score.

It helps you to pay your dues on time and always reminds you to pay the remaining bill. If you pay your credit card on time for the first five months, your credit score increases. 

 Pet Care Credit Card
Annual Fee$0
APR29.99% (Variable)
Credit RecommendedGood to Excellent (670-850)

Check this also: Credit Card Debt Lawyers

7. Bank of America® Customized Cash Rewards credit card

If you buy food and other products for the pet and make payment with the help of a Bank of America Customized Cash Rewards credit card, then you will get extra rewards.

If you purchase products of particular categories every quarter, you can earn higher reward points when shopping. You will also get reward points on travel, dining, gas, drugstores, home improvement, and furnishings. 

If you buy products from grocery stores and wholesale clubs, you will get 2% cashback. The Bank of America® Preferred Rewards program credit card offers money-saving incentives and loyalty bonuses to new cardholders.

 Pet Care Credit Card
Annual Fee$0
APR0% intro APR on Purchases for 18 billing cycles
Credit RecommendedGood to Excellent (670-850)

8. AKCSM Visa® Card

The AKC Visa® Card gives 3 points if you spend $1 at pet stores, veterinary offices, and AKC.org purchases. If you want to use an AKC Visa credit card at grocery stores and for gas, you will get 2 points and 1 reward on other categories. 

AKC Visa credit Card

This credit card has a special feature, allowing you to print your pet’s image on the credit card. For this, you need to upload a pet picture, and the picture will be used on the card. You can use this awesome credit card for pet shopping.

9. WellnessPlus Card

The WellnessPlus Card is simple and launched by Comenity Bank. This credit card is designed to pay for treatments and pet expenses at veterinarian clinics. On some purchases, you will get 6 months of deferred interest, but you will not get any rewards.

The best way to use your credit card is to pay the dues on time and avail the benefits of the promotional period and avoid any interest fees on your total bill. If you pay your bills occasionally, your credit score will improve, and you can also avail best offers from the bank.

10. CareCredit

CareCredit card is a multipurpose credit card, and the cardholders also pay for veterinarian expenses. This will work only at partnered vet offices. You can also pay your medical bills.

The credit card charges a 26.99% interest rate from every new card holder. Sometimes, you can qualify interest-free for 6 months or longer for big purchases.


More Ways To Save on Pet Expenses

Shop through Chase

With the help of the Chase shopping website, you can avail of different offers to earn multiple reward points on $1 spent using your Chase-issued credit card. You can buy anything for your pet and save more using the Chase credit card.

If you want to earn ultimate reward points on your expenses, you can find special bonus-earning offers on the Chase website. For the latest offers, you can visit the official website of the Chase.

 Pet Care Credit Card

Chase Offers

As a smart buyer, sign in to your account at Chase and find the list of Chase offers for different eligible credit cards.

Most of Chase’s credit cards are co-branded, and Chase offers good cash back and reward points on your purchases. You will find the products at very cheap prices at Chase. 

 Pet Care Credit Card

Bottom Line:

Most credit cards are eligible to earn reward points on pet-related products. As we discussed, various pet credit cards can be used directly to gain a particular amount of cashback. Thus credit cards are very helpful in earning reward points and cashback on shopping websites and chase offers.

Amex Offers

Americal Express credit cards are superb in case of saving and earning rewards. You can find the Amex offers on your online card, add them and utilize them for savings and extra earnings.

You can easily find pet-related offers on the website.

Amex Offers

Gift Cards at Bonus Category Merchants

You can check on the online shopping website to find which merchant is giving offers to earn bonus rewards. Then you can purchase pet-related products from those merchants. Purchase pet-related gift cards and earn extra rewards.

Check Cashback Websites

TopCashback, BeFrugal, and Rakuten these websites help you gain cash back with both Chase offers and Amex offers. You need to login into one of these sites and select the eligible particular pet product and use the Chase or Amex card to pay and avail of the offer. 

Final Thoughts

If you have a lot of pets and have to spend a lot to take care of them, it’s worthwhile to find a savings credit card that gives you good earning reward points on your purchases.

Selecting a credit card that will fulfill all your requirements is also important. And it will be worthwhile for you to take that credit card for your pet expenses.

Every person has a different profile and needs. So a single particular credit card can’t fulfill his needs. But we’re sure that from these 10 credit cards, you will find a credit card that fits your profile and give you maximum rewards.

Is carecredit worth it for pets?

CareCredit is a healthcare credit card, a famous credit card that is well-known by every person in the U.S. and accepted by major healthcare practitioners. The CredCredit is for those who need health insurance with minimal health insurance fees.

Pet care credit score requirements?

The minimum recommended credit score is 600, which is a fair credit score, but if you want a premium credit card with good benefits, you must have a good credit score in the range of 650 – 850.

What is care credit for pets?

Carecredit is a health care credit card for pets, and this credit card is used fully for pet owners to pay veterinary bills with flexible paying options.

Emergency pet care credit card?

The best emergency pet care credit card is the Citi Double Cash Card, and the annual fee of this credit card is $0.This can be good because the credit card has a credit limit of $500, which can help you immediately save your pet.

The second best credit card is Citi Simplicity® Card. This credit card allows you to earn 75,000 miles for spending $4000 in the first 3 months.

If you are searching for a credit specially designed for medical emergencies, the CareCredit Credit Card is the best. Offering 0% – 17.9% for 6 – 60 months.

Does petsmart take carecredit card?

If you have a CareCredit credit card, to use this credit card, you need to visit a vet hospital that accepts it because this credit card is designed for pet health issues. For this reason, PetSmart is not one of the [et stores that accept CareCredit.

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