Petco Pay Mastercard®
Basic Information
Program ID: petco-pay-mastercard
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:40
Last Scraped: 01/15/2026 12:42
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
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: 2,124.00% - 2,924.00%
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: $25.00
Spending Requirement: $1.00
Time Period: 30 days
Bonus Timing: The $25 Petco Pay credit is typically applied to your account within 1-2 billing cycles after the qualifying purchase is made.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Petco purchases, 2x Groceries, 2x Gas, 1x Everywhere else
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after earning or if account is inactive for 12 months.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Eligibility requires being 18+ (19+ in AL/NE), valid U.S. SSN/ITIN, U.S. mailing address, and steady income. Good to excellent credit is typically required. Bonus: Earn 4 points per $1 at Petco, 2 points per $1 on gas/groceries, 1 point per $1 elsewhere. Initial bonus: $25 statement credit after spending $500 in first 90 days.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance accounts, abuse of bonus offers/returns, consistent late payments, suspicious activity, rapid application for multiple BreadFinance cards.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Excellent rewards for frequent Petco shoppers, easy application process, useful for managing pet-related expenses.
Top Negative Feedback:
Customer service can be slow, high interest rates, rewards are primarily valuable only at Petco.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature Card
- Citi Double Cash Card
- Target RedCard
Card Value Score: 75.0 / 100
Est. Annual Rewards: $250.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 70% Store / 30% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0