Petco credit card

Petco Credit Card: Is it Worth the Application?

Petco, a leading pet supply retail chain, offers a credit card for its customers.

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This credit card provides several benefits, including discounts on purchases, exclusive offers, and rewards points for eligible purchases. However, before you consider applying for the Petco credit card, it is essential to evaluate its features and fees to determine whether it is the right fit for your financial needs.

Benefits of Petco Credit Card

The Petco credit card offers several benefits for pet owners who shop at Petco frequently. The most significant benefit of the card is the reward points system. Cardholders earn 5 points for every dollar spent at Petco or Unleashed by Petco, and 1 point per dollar spent on all other purchases. Once you accumulate 100 points, you receive a $5 reward certificate, which you can redeem at any Petco location.

In addition to reward points, Petco credit cardholders receive exclusive offers and discounts on pet products. For example, you can get a 10% discount on your first purchase with the card, and you can save 5% on repeat deliveries of select pet products. Moreover, cardholders receive free standard shipping on eligible online purchases of $35 or more.

The Petco credit card also offers financing options for large purchases. Cardholders can choose from several promotional financing options, such as 0% interest for six months on purchases of $299 or more or 0% interest for 12 months on purchases of $699 or more. These financing options can help pet owners manage their budgets and make larger purchases more affordable.

Fees and Limitations of Petco Credit Card

Like any credit card, the Petco credit card has fees and limitations that potential applicants should consider before applying. The annual percentage rate (APR) for purchases is currently 26.99%, which is relatively high compared to other credit cards. Late payments can also result in a penalty APR of up to 29.99%.

The Petco credit card also has a relatively low credit limit, with most applicants receiving a starting limit of $500. This limit may not be sufficient for pet owners who make large purchases, such as veterinary bills or pet training services.

Another limitation of the Petco credit card is that it can only be used at Petco and Unleashed by Petco stores. If you frequently shop at other pet supply retailers, you may need to carry a second credit card to cover those expenses.

Is Petco Credit Card Worth the Application?

Whether or not the Petco credit card is worth the application depends on your pet ownership habits and financial needs. If you are a frequent shopper at Petco and Unleashed by Petco stores and can pay off your balance each month, the reward points and exclusive discounts may be worth the annual fee.

However, if you tend to carry a balance on your credit card, the high APR and penalty fees may outweigh the rewards and benefits of the Petco credit card. Moreover, if you make large pet-related purchases or shop at other pet supply retailers, you may need a credit card with a higher limit or broader acceptance.

Before applying for the Petco credit card, it is essential to read the terms and conditions carefully and evaluate your spending habits and financial goals. You may also want to compare the Petco credit card with other credit cards that offer rewards, discounts, and financing options to ensure that you are getting the best value for your money.


The Petco credit card can be a valuable tool for pet owners who shop frequently at Petco and Unleashed by Petco stores. The reward points, exclusive discounts, and financing options can help you save money on pet-related purchases and manage your budget.