Learn How to Apply for a Petco Pay Credit Card

Pets will always be part of our family and they also have their own needs. Pet supplies and other items are needed for pets to thrive and live happily, so pet owners invest a lot of their money in them.


Fortunately, there is a credit card that lets you earn rewards when shopping for your pets at Petco.

Read on to learn more about the Petco Pay Credit Card and learn how to apply for the card to start earning rewards.


How You Can Earn Rewards at Petco

The Petco Pay Credit Card features a reward program that allows customers to earn points with each purchase and redeem them for rewards such as discounts, gift cards, and more.

Learn How to Apply for a Petco Pay Credit Card
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The rewards program provides rewards points or 2 Vital Care Points for every dollar spent at Petco and other participating stores. You'll also get 2 Vital Care points on grocery store purchases.


Rewards points can be redeemed for cash back in the form of a statement credit or gift card from major retailers. When you sign up for the card, you'll receive $25 Vital Care Rewards when you spend $500 worth of purchases in the first 90 days.

Cardholders will enjoy exclusive access to special promotions and events at Petco locations throughout the year.

Exclusive Offers Waiting Just For You

As mentioned above, Petco Pay Credit Card holders are entitled to different kinds of exclusive offers but there's even more waiting for you. You also get 20% off on your first-ever purchase when you use the card at checkout.

This offer is available when you shop online at the official website or when you go visit the nearest Petco store. Cardholders will also receive discounts on selected items ranging from 5% to 20% off the regular price. When you make a purchase of $49 or more with your card, you will get free shipping on your order.

This is only valid and available for US-based orders. These exclusive offers provide additional value to customers who use their Petco Pay Credit Card when making purchases at the store or online making it a lot easier to save money on pet supplies.

Features and Benefits of the Petco Pay Credit Card

The Petco Pay Credit Card is a store-branded credit card designed for customers of Petco, an American pet supply company. The card offers a lot of rewards, benefits, and features for frequent shoppers at Petco.

Learn How to Apply for a Petco Pay Credit Card
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The good thing about using this credit card is that it has no annual fee which gives you a lot more room to save money. The credit card also has a variable APR ranging from 26.99% to 29.99% which applies to both new purchases and balance transfers.

You should also remember that this will change without notice so always keep tabs on the rate. If you make a late payment, you will be charged a late fee of up to $38. If you make more than one late payment within several billing cycles, you'll incur an additional fee.

If a payment made to your account is returned, you will be charged a returned payment fee of up to $27. Cardholders that exceed their credit limit will also be charged an overlimit fee of up to $38.

Helping Save Animal Lives

Petco is one of the leading brands when it comes to pet supply. They have made millions of dollars and have vowed to give back to the community, especially when it comes to our beloved pets.

When you have the Petco Pay Credit Card, a part of the purchase amount will be donated to the Petco Foundation. This helps animals in need of shelter, food, and care. When you use the card for any purchase, you are donating towards helping animals and giving back to the community.

Additionally, there are also pet-centric perks with the card including a complimentary birthday gift for the account holder and a personalized card photo of your pet at no additional charge.

Manage Your Account Online

Apart from these amazing perks and benefits, Petco Pay Credit Card holders can also enjoy more features through the Petco app. To start, you'll need to create an account and log in to access the app's features.

Learn How to Apply for a Petco Pay Credit Card
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You can shop for items and make secure purchases through the app using your Petco Pay Credit Card. Users can check their transaction history, redeem rewards, and make payments towards existing balances on the card from the app.

Speaking of payments, customers are treated to convenient payment options and special financing to help them make the most of their pet-related purchases. You're entitled to deferred interest financing so you can make a purchase now and pay it off over time without any additional fees or interest.

You can also opt for extended terms for payment plans that last up to 12 months or even longer so you can spread your payments over time and make both purchases and payments more manageable.

Find Out If You're Eligible for the Card

To be eligible for the card, you must be 18 years or older and must have a valid Social Security Number.  You must also have a valid US mailing address, a valid email address, and an active bank account.

The bank will require you to have a good credit score without any delinquencies in the past year or so. In addition, applicants will also provide their personal information during the application including their financial information about income and employment details.

Once done, you can head over to the official website and click on “Apply” to start the application. Read the terms and conditions thoroughly and once approved, you will receive your card in the mail and begin using it to make purchases at Petco stores.

But What About the Petco Pay Mastercard Credit Card?

Many Petco Pay Credit Card holders also contemplate the Petco Pay Mastercard Credit Card as their choice of card for the store instead due to its close similarities.

Learn How to Apply for a Petco Pay Credit Card
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While they may be similar, there are still some differences between them that might prove to be advantageous for you.

For example, with the Petco Pay Mastercard Credit Card, you can use the rewards for future purchases in Petco stores or anywhere else where Mastercard is accepted.

You also get exclusive access to special offers from Mastercard partners. If you want to learn more, you can call them at 1-877-751-1607 or visit their main office at 12921 S Vista Station Blvd in Draper, Utah.

Is the Petco Pay Credit Card Really for You?

If you're a loyal Petco customer and you want to purchase pet supplies and other items for your pets while also enjoying the other benefits that the card entails, then the Petco Pay Credit Card is all that you need.

You don't have to upgrade to other cards or sign up for other credit cards just to get the exclusive perks.

If you're looking for a credit card that offers rewards and savings while keeping your account easy to manage, the Petco Pay Credit Card is a great choice.


With competitive rewards, discounts, convenient payment options, and many more perks, the Petco Pay Credit Card is a great choice for any pet parent. These exclusive features are the reason why a lot of pet owners always choose the Petco Pay Credit Card to pay for their pet's needs.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.