9
Benefits4
Reward Categories4x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: petco-pay-credit-card
Issuer: BreadFinance
Card Name: Petco Pay Credit Card
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
The Servicemembers Civil Relief Act (SCRA) provides an interest rate cap of 6% per year on certain pre-service obligations for servicemembers.
Rewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Petco Purchases | 4x | Points | Purchases made at Petco stores or petco.com | No Cap | |
| Groceries | 2x | Points | Purchases at grocery stores | No Cap | |
| Gas | 2x | Points | Purchases at gas stations | No Cap | |
| All Other Purchases | 1x | Points | All other purchases where Visa is accepted | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 9 Total
PENDINGLifestyle 1
Annual Birthday Offer
Special offerReceive a special birthday offer each year as a cardholder.
Shopping 8
Accelerated Rewards on Petco Purchases
2 points per $1Earn 2 points for every $1 spent on eligible purchases at Petco stores, petco.com, and the Petco app.
Standard Rewards on Everyday Purchases
1 point per $1Earn 1 point for every $1 spent on eligible purchases everywhere else Visa is accepted.
Welcome Bonus
$25 bonusGet a $25 Petco Pay Rewards bonus when you open and use your new Petco Pay Credit Card within the first 30 days of account opening.
Free Standard Shipping
Free standard shippingEnjoy free standard shipping on all petco.com orders when you pay with your Petco Pay Credit Card.
Exclusive Cardholder Discounts
Exclusive offersAccess to exclusive discounts and promotions available only to Petco Pay Credit Cardholders.
Special Financing on Petco Purchases
Special financingTake advantage of special financing options on qualifying Petco purchases.
Vital Care Premier Membership Discount
$10 monthly discountSave $10 on your Vital Care Premier membership every month when you pay with your Petco Pay Credit Card.
Rewards Dollars Redemption
$5 for every 400 pointsFor every 400 points earned, you will receive $5 in Petco Pay Rewards Dollars, issued in increments of $5.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each Cash Advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Petco Pay Credit Card (2026) typically requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Bread Financial's creditworthiness criteria (generally fair to good credit score, stable income, and acceptable debt-to-income ratio). Bonus rules commonly include an initial discount on the first Petco purchase upon account opening (e.g., 20-25% off). Ongoing rewards usually feature an elevated earn rate on Petco purchases (e.g., 4-5 points per dollar, equivalent to 4-5% back) and a standard rate on other eligible purchases (e.g., 1 point per dollar). Specific promotional bonus offers may be available periodically for certain spending thresholds or categories.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: For store cards like the Petco Pay Credit Card, complex 'card family' rules or restrictions on applying for similar cards within a family are generally not applicable. The primary 'cliff effect' would relate to Bread Financial's overall assessment of an individual's credit risk and total credit exposure across all their issued credit products. Approvals for additional Bread Financial cards may become more challenging if existing credit lines are substantial, credit utilization is high, or the applicant's credit profile deteriorates.
Special Events: Integration with Petco's 'Pawsitive' Rewards Program for enhanced points or discounts during specific loyalty events; seasonal pet health and wellness campaigns offering discounts on vet services, food, or supplies; exclusive cardholder discounts on new product launches; and special offers during Petco's anniversary sales or the cardholder's account anniversary.
Holiday Promos: Black Friday / Cyber Monday (Late November), Christmas / Holiday Season (December), New Year's Sales (January), Valentine's Day (February), Easter (March/April), Mother's Day (May), Father's Day (June), Back-to-School (August), Halloween (October).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Good for loyal Petco shoppers, easy to earn rewards on pet supplies.
Top Negative:
High interest rates, limited benefits outside Petco, customer service can be challenging.
Approval Experience: 70.0 / 100
Recommended Alternatives
- PetSmart Credit Card
- Amazon Prime Rewards Visa Signature Card
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $75.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0