Petco Pay Credit Card
Basic Information
Program ID: petco-pay-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:38
Last Scraped: 01/15/2026 12:40
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| 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
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $2,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Bonus points are typically posted to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Petco Pal Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Petco Purchases
Point Value Estimate: 0.0300 cents/point
Expiration Policy: Points expire 45 days after issuance.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Petco Pay Credit Card, issued by Bread Financial, is primarily for use at Petco stores and petco.com. For 2026, eligibility is projected to require applicants to be at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number or ITIN, and possess good to excellent credit history. Bonus rules typically include an initial discount on the first purchase (e.g., 20% off) and ongoing rewards (e.g., 2 points per $1 spent at Petco, 1 point per $1 elsewhere). Application is generally online or in-store, subject to credit approval. This information is based on current understanding and projected typical store card behavior for 2026, as specific future-dated rules are not publicly available.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: Many store cards offer immediate first-purchase discounts. If a spend-based bonus is offered, a typical interval would be 3 months from account opening.
Shutdown Risk Triggers: Common triggers include missed payments, high credit utilization on the card, suspected fraudulent activity, or excessive credit inquiries with Bread Financial across multiple store card applications within a short period. While less common for store cards, extreme spending patterns inconsistent with typical pet-related purchases could also be flagged.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Good for Petco loyalists, offers decent rewards on pet purchases, initial discount is attractive.
Top Negative Feedback:
High APR, customer service can be difficult, rewards structure can be confusing, limited value outside of Petco.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
- Discover it Cash Back
Card Value Score: 55.0 / 100
Est. Annual Rewards: $85.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 42 months
Store vs Co-brand: 60% Store / 40% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 70.0%
Terms Version Control
Version ID: v1.0