Petco Pay Mastercard: Save On Every Purchase
- Annual fee
- None
- Recommended credit
- Excellent / Good / Fair
- Card network
- Mastercard
- Regular purchase APR
- 25.74% or 34.74% variable based on creditworthiness and the Prime Rate
At a glance
The Petco Pay Mastercard is a is a retail and cash back card for animal lovers everywhere. The card, from Comenity, earns up to 8% back in Pals Rewards on Petco purchases, plus 2% back on groceries – all for no annual fee.
Our review of the Petco Pay Mastercard
The Petco Pay Mastercard is a cash back credit card designed for pet lovers of all kinds. This card offers impressive rewards on Petco purchases, including a special first purchase discount, all without any annual fees.
How to Earn Rewards
With the Petco Mastercard, you can earn cash back on various categories of purchases. The key category is Petco purchases, where you can earn 8% back at participating Petco locations and on petco.com. Additionally, you can earn 2% back on grocery store purchases and 1% back on all other purchases. New cardholders can also receive a $25 Pals Reward for spending $500 outside of Petco within the first 90 days of approval.
Cash Back and Pals Rewards
While earning 8% back may sound too good to be true, the rewards come in the form of Petco’s Pals Rewards program. This program allows cardholders to redeem their cash back towards purchases for their pets, such as treats, food, or other essentials. Points are calculated at a rate of five Pals Reward Dollars for every 100 Points earned, which can be used towards future purchases.
Pet Credit Card Comparison
For a comparison, here is how the Petco Pay Mastercard stacks up against the Best Friends® Visa:
| Feature | Petco Pay Mastercard | Best Friends® Visa |
|---|---|---|
| Issuing Bank | Comenity | Credit One |
| Annual Fee | $0 | See terms |
| Rewards | 2X points per $1 at Petco and Petco.com | 5% back on eligible pet shops purchases |
| Pet Perks | $25 Pals Reward for spending $500 outside of Petco in the first 90 days | 1 year extension of Vital Care Rewards balance |
| Donations | Petco donates to the Petco Foundation | Best Friends Society receives a donation equal to 1% of eligible purchases |
Should You Apply?
If you are a frequent shopper at Petco, the Petco Pay Mastercard Credit Card could be a good fit for you. With up to 8% back on Petco purchases and 2% back on groceries, along with additional perks like a $25 Pals Reward and donations towards animal welfare, this card offers value for pet owners. However, it’s important to note the higher APRs associated with retail cards, so make sure to manage your finances responsibly. Overall, the Petco Pay Mastercard Credit Card is a solid choice for those looking to save on pet expenses and earn rewards for their furry companions.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 8% Back in Pals Rewards at participating Petco locations and Petco.com
- 2% back in Pals Rewards at grocery stores
- $25 Pals Reward when you spend $500 outside of Petco in the first 90 days
- No annual fee
Who this card may suit
- You shop at Petco regularly
- You plan to finance larger Petco charges in the future
- You like the idea of making a donation with every purchase
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 25.74% or 34.74% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 26.99% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the transfer, whichever is greater |
| Cash Advance APR | 35.74% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the transaction, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.
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Petco Pay Mastercard
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