Yes, you heard it right; you can now have a credit card for your pet friend. Petco credit cards make sure that you gain cashback on each of your purchases for your furry four-legged buddy. 

But that is not all. You can also customize the card of your own choice. A picture of your pet friend should be a perfect fit. 

But are they worth having? What are the benefits of keeping a Petco pet credit card? This article will inform you about all that you need to know before getting a Petco credit card. 

Key Takeaways 

Key Takeaways

How To Apply For Petco Credit Cards?

How To Apply For Petco Credit Cards?

You can qualify for both Petco Pay Credit Card and Petco Mastercard Credit Card. You don’t need a different application for either of the cards. There is only one form that you need to fill out. You get the card based on your credit score

  1. You need to go to the provider’s website and learn more about the process of applying for a Petco Pay Credit Card. 
  2. Find out the top menu bar and then select the rewards. 
  3. Now, click on Apply Now. It should be under Petco Pay. 
  4. Sign In or create a new account using the application. 

Petco Credit Card Benefits & Drawbacks

Petco Credit Card Benefits & Drawbacks

General credit cards offer more frequent and flexible offers and rewards. So, what advantage do Petco credit cards have against General Credit cards? Here are some benefits and drawbacks helping you make a thoughtful choice. 

Petco Credit Card Benefits

  • You can earn Petco Pals points. On your purchases, you can earn Petco Pals points (3% back) on your Petco Purchase. Also, you get 8% back in total once combined with a base rate of Petco Pals. Also, if you get the MasterCard version of the Petco Credit card, you can earn 2% on your grocery shopping. Also, you get 1% back on the rest. 
  • When you get the card ad to qualify for a purchase, you get 20% off on your first purchase. But if you have qualified for a MasterCard version of the Petco credit card, you can earn $25 in pals reward for each $500 spent outside Petco. However, this needs to be done within 90 days of opening your account. 
  • There are also some special financing offers.
  • Petco donates 25 cents on each purchase you make using your Petco Credit card. They make a donation to the Petco Foundation. 

Petco Pay Credit Card drawbacks

Here are some drawbacks of using Petco Credit Cards–

  •  The reward value is poor. Other store credit cards, even general credit cards, offer much better reward value. Even Petco Purchases and redemptions don’t offer a similar amount in return. 
  • The signup bonus is not flexible. You need to make a purchase on the same day when your card gets approved. 
  • The Petco Credit card rewards expire. So you cannot expect to use the credit card at any time. The rewards expire within 365 days of getting issued.

Read More: How to Earn and Enjoy Bonuses of Credit Cards?

How To Redeem Petco Credit Card Rewards?

How To Redeem Petco Credit Card Rewards?

You can redeem your Petco Credit Card rewards. Here are the necessary steps for redeeming the rewards-

  • You will see the Petco Pals Reward Dollars in the member’s account at or Pals Reward Dollars. 
  • As a member, you have to load reward dollars for using them in your account. You can do so by logging into the account online. You can also do it by calling Petco Customer Relations. 

Petco Credit Card Review

Petco Credit Card Review

If you are looking for a credit card with your pet’s image on it, then Petco is a good choice. However, if that is not your requirement, credit cards don’t really serve much extra purpose. 

Their limitation on the welcome bonus and rewards getting expired are two drawbacks making it unworthy of consideration. It also does not offer any additional benefits over the general credit cards. 

Frequently Asked Questions (FAQs):

Here are some questions and answers about the Petco Credit Card. You might have a similar query. These questions and answers might be helpful. 

1. What Bank Is Petco Credit Card?

Ans: You can get two different types of Credit cards from Petco Credit card. Both of the cards are issued by Comenity Bank. None of the credit cards require you to pay any annual fees. You can earn a reward from both credit cards. But you can use Petco credit cards only at Petco stores. 

2. Can I Use My Petco Pay Credit Card Anywhere?

Ans: You can use the Petco Master Credit Card only at Petco and the online Petco store. You can also use the credit card everywhere the MasterCard is accepted if you want to apply for these credit cards, you need to be above 18 years old. Once your card gets approved, you can earn 2x Petco pals points for every word spent at a Petco store for purchase. 

3. Do Petco Credit Card Points Expire?

Ans: All Pals Reward Points Get expired after 365 days of their issuance. 

4. What Is Credit Score Needed For Petco Credit Card?

Ans: If you want to get a Petco Credit card, you need a credit score of 670 or higher.

Final Words 

Comenity, the bank issuing the Petco credit card, does not have a Trustpilot profile. Also, they are not accredited by the Better Business Bureau. But Comenity has a 1.5 rating out of 5 on Trustpilot. Many customers have also complained about hidden fees and charges. But looking at the benefits, you may still choose to get a Petco Credit Card. 

I hope that this article was helpful. If you need an answer to any further queries, then you can comment below. We will reach out to you as soon as possible. 

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