All Pet Card Credit Card

BreadFinance Mastercard Pending

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3

Benefits

2

Reward Categories

5x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: allpet-credit-card

Issuer: BreadFinance

Card Name: All Pet Card Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 09:52

Last Scraped: Feb 16, 2026 09:54

Apply URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
allpet Purchases 5x Points Purchases made at allpet.com and in allpet stores. No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Financial 1
No Annual Fee
$0

The All Pet Credit Card does not charge an annual fee for card membership, allowing cardholders to enjoy benefits without recurring costs.

Shopping 2
Special Financing Promotions
Varies by promotion

Access to special financing offers on qualifying purchases made with the All Pet Credit Card. These promotions typically allow cardholders to avoid interest if the promotional balance is paid in full within a specified period (e.g., 6 or 12 months). Minimum purchase amounts may apply, and deferred interest may be charged if the balance is not paid in full.

Exclusive Cardholder Offers
Varies by offer

Receive special discounts, promotions, and exclusive offers available only to All Pet Credit Cardholders throughout the year.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Cash Advance APR: 32.24%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Bonus Rule: Earn 20,000 BreadFinance Rewards Points (worth $200 in pet store credit or statement credit) after spending $1,500 on eligible purchases within the first 3 months of account opening. Bonus points are primarily redeemable for purchases at participating pet stores or as a statement credit against pet-related expenses. Store-specific restrictions apply, meaning bonus points may have enhanced value or specific redemption options only at designated pet retailers partnered with BreadFinance. Application Rules: Applicants must be at least 18 years old (19 in AL and NE), a US resident with a valid SSN or ITIN, and meet BreadFinance's creditworthiness criteria. Existing BreadFinance customers with a good payment history may have a higher approval rate. This card is subject to BreadFinance's general application policies.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across BreadFinance products, frequent balance transfers without new spend, suspected fraud, non-compliance with terms of service, or opening too many accounts with BreadFinance in a short period.

Cliff Effect Rules: Bonus offer is not available to applicants who currently have or have had the allpet-credit-card within the past 24 months. BreadFinance may also limit the number of new accounts or bonuses an individual can receive over a rolling 24-month period across its portfolio.

Special Events: Exclusive discounts on pet food and supplies during 'Pet Appreciation Week' (May), special financing offers on veterinary services during 'Healthy Pet Month' (October), and bonus rewards on grooming services during 'Pampered Pet Days' (February).

Holiday Promos: Double rewards on all pet-related purchases during the Black Friday/Cyber Monday week (late November), 0% APR on purchases over $500 for 6 months during the December holiday shopping season, and bonus points on gift card purchases for pet stores during Mother's Day and Father's Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for building credit, useful for discounts at AllPet stores, special financing offers.

Top Negative:
High interest rates, poor customer service from Comenity, limited use outside the specific store, difficult to manage account online.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Synchrony Petland Credit Card
  • CareCredit Card
  • Capital One Platinum Secured Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $60.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0