Best Credit Cards for Pet Owners
Owning a pet comes with significant expenses, from routine purchases like food and grooming to unexpected vet bills. Pet care credit cards can help return some value through savings or rewards. The best credit cards for pets aren’t necessarily co-branded store credit cards; general-purpose credit cards may be a better match depending on your shopping habits.
Top Credit Cards for Pet Owners
- Wells Fargo Active Cash® Card: Offers unlimited 2% cash back on purchases, including vet bills and pet sitting services. Earn a $200 cash rewards bonus after spending $500 in the first 3 months. No annual fee.
- Blue Cash Everyday® Card from American Express: Earns 3% cash back at U.S. supermarkets on up to $6,000 in spending per year. Ideal for pet owners who buy pet supplies at supermarkets.
- Bank of America® Customized Cash Rewards credit card: Offers 3% back on a category of your choice, such as online shopping for pet supplies. Earns 2% back on grocery stores and wholesale clubs.
- U.S. Bank Shopper Cash Rewards® Visa Signature® Card: Provides 6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers of your choice, including pet stores like Chewy.com.
- Upgrade Cash Rewards Visa®: A flexible hybrid product that can be used as a credit card or personal loan. Offers 1.5% cash back on all purchases.
- NASA Federal Platinum Advantage Rewards Credit Card: Suitable for those with ongoing balances, offering a low ongoing APR and 1 point per dollar spent on all purchases.
- Citi Double Cash® Card: Earns 2% cash back on all purchases: 1% when you buy and 1% when you pay it off. Offers a lengthy 0% intro APR on balance transfers.
- Capital One QuicksilverOne Cash Rewards Credit Card: Ideal for pet owners with fair credit, offering 1.5% cash back on all purchases.
- Discover it® Secured Credit Card: A secured card option for those with bad credit, offering 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
- Wells Fargo Attune℠ Card: Offers unlimited 4% back on eligible pet-related purchases, including pet shops and veterinary services.
- Best Friends Credit Card: Earns 5% cash back on the first $5,000 of eligible pet-related purchases each year. Supports Best Friends Animal Society.
- Tractor Supply Co. Visa Card: Offers 5% back on pet care products and services purchased at Tractor Supply Co. and PetSense.
- Nibbles Credit Card: Includes pet insurance coverage up to $10,000 yearly and earns 3% cash back on pet-related expenses. $249 annual fee.
Key Considerations
- Avoid using credit cards as an emergency fund to prevent debt.
- Consider pet insurance to lessen the financial impact of unexpected vet bills.
- Choose a credit card that aligns with your spending habits and offers relevant rewards or benefits.
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