6
Benefits2
Reward Categories2x
Max Reward20.2%
APR FromBasic Information
PENDINGProgram ID: petco-pay-mastercard
Issuer: BreadFinance
Card Name: Petco Pay Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Bread Financial complies with the Servicemembers Civil Relief Act (SCRA), offering eligible active duty servicemembers certain benefits and protections, which may include interest rate reductions.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Petco Purchases | 2x | Cash Back | Net Eligible Purchases made at Petco | No Cap | |
| All Other Purchases | 1x | Cash Back | Net Eligible Purchases made everywhere else Mastercard is accepted | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 4x
Categories: 4x Petco purchases, 2x Gas, 2x Groceries
Quarterly Rotating: No
Point Value: 0.01¢
Redemption Penalties: Points are redeemable only for Petco Pal Rewards, which can only be used at Petco. Petco Pal Rewards may have their own expiration dates once issued.
Benefits & Protections (Detailed) 6 Total
PENDINGShopping 6
Petco Purchases Rewards
5% backEarn 5% back in Petco Pal Rewards on eligible purchases made at Petco stores and petco.com.
Gas & Grocery Purchases Rewards
2% backEarn 2% back in Petco Pal Rewards on eligible purchases made at gas stations and grocery stores.
General Purchases Rewards
1% backEarn 1% back in Petco Pal Rewards on all other eligible purchases everywhere Mastercard is accepted.
Welcome Bonus Petco Pal Rewards
$25Receive $25 in Petco Pal Rewards after making your first purchase with the Petco Pay Mastercard.
Free Standard Shipping on Petco.com
Free standard shippingCardholders receive free standard shipping on all purchases made at petco.com.
Exclusive Cardholder Offers
VariesAccess to exclusive savings and special offers available only to Petco Pay Mastercard cardholders.
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
PENDING$25
Cash BackRequirement: Spend $1 in 30 days
Timing: The $25 Petco Pay credit is typically applied to your account within 1-2 billing cycles after the qualifying purchase is made.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| 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 balance 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
PENDINGStandard APR
Purchase APR: 20.24% - 30.24%
Balance Transfer APR: 30.24%
Cash Advance APR: 30.49%
Intro APR Offers
Promo Financing: Special Financing
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Petco Pay Mastercard, issued by Bread Financial, typically offers a sign-up bonus such as a percentage off your first Petco purchase (e.g., 20% off up to $100) or a statement credit after meeting a minimum spend threshold within the first few months. Eligibility requirements for 2026 are projected to remain consistent with current industry standards: applicants must be at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a verifiable income. Approval is subject to a credit check, generally requiring good to excellent credit for the Mastercard version. Bread Financial also considers the applicant's existing relationship and credit history with them. Store-specific restrictions apply, meaning bonus rewards and certain promotions are often redeemable only at Petco stores or petco.com.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: Bread Financial does not have a publicly stated 'cliff effect' rule like Chase's 5/24. However, they do employ internal application velocity rules and may limit the total number of credit accounts or the cumulative credit extended to an individual across all their issued cards. Applying for too many Bread Financial cards within a short period (e.g., more than 2-3 within 6-12 months) can lead to automatic denials or account reviews.
Special Events: Cardholders can expect exclusive discounts during Petco's major sales events (e.g., Pals Rewards events, anniversary sales, seasonal clearances), early access to promotions, and potentially enhanced rewards on specific product categories or services (e.g., grooming, vet services) throughout the year.
Holiday Promos: Key promotional periods include Black Friday/Cyber Monday, Christmas/Holiday season, Easter, Valentine's Day, Mother's Day, Father's Day, and back-to-school periods, where cardholders may receive additional discounts, bonus rewards, or special financing offers at Petco.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.6 / 5.0
Top Positive:
Excellent rewards for frequent Petco shoppers, especially for pet food and supplies. No annual fee is a plus, and it's a good option for building credit.
Top Negative:
Comenity's customer service is often criticized, rewards outside of Petco are very low, and some users report issues with credit limits or reward redemption.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature
- Capital One Quicksilver
- Citi Custom Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $138.75
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0