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The credit card that rewards pet lovers

Earn more Petco Perks points

Earn 10 additional points for every $1 spent at Petco or on petco.com with purchases on your Petco Pay Credit Card1

20

%
OFF

Your first purchase with the Petco Pay credit card a Petco on the same day and in the same location of account opening2

Manage Account

Petco Pay benefits at a glance

Enjoy these benefits when you make purchases with your Petco Pay credit card.

Benefits

Petco Pay Mastercard®

Petco Pay Credit Card

Exclusive cardholder benefits
10 additional Petco Perks points for every $1

spent at Petco locations and petco.com1

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Personalize your card8 Paw print Paw print
Special financing options6 Paw print Paw print
No annual fee5 Paw print Paw print
A donation to Petco Love with every Petco Pay credit card purchase9 Paw print Paw print

Earn more with Petco Pay Mastercard
20 Petco Perks points for every $3

spent on grocery store purchases3

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10 Petco Perks points for every $3

spent anywhere else Mastercard is accepted3

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An additional 25,000 Petco Perks points ($25 value) when you spend $500 in the first 90 days of your account opening outside of Petco4

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See Credit Card Agreement for details.

When you apply, you will be considered for a Petco Pay Mastercard or a Petco Pay Credit Card (which may only be used at Petco). If approved, the Bank will decide which credit card you will receive.

More reasons to love the Petco Pay Credit Card

Personalize your card

Your pet is never far away when they are on your Petco Pay Credit Card.8

Help save animals’ lives

With every purchase you can help save animals in need, thanks to our donations to Petco Love.9

For pet lovers,
by pet lovers

Frequently Asked Questions

Discover key benefits and more of your new favorite pet credit card.

There are two ways you can apply, visit your nearest Petco store and apply at checkout or online at www.petco.com/petcopayapplynow. If approved, you’ll receive a credit card welcome kit in the mail within 7-10 business days.

No, all applications are considered for the Petco Pay Mastercard. If you are not approved for the Petco Pay Mastercard, you will be automatically considered for the Petco Pay Credit Card.

Thank you for your interest in the Petco Pay Credit Card program! There is no specific credit score needed for Petco Pay, many factors are included and weighed in the application process.

Yes! You can use both the Petco Pay Credit Card and Petco Pay Mastercard as payment for vet bills at Petco vets. Financing plans are also available.

Please see the Petco Pay credit card agreement for the most up to date interest rates and terms and conditions.

Petco Pay Credit Card: Click here for important rate, fee and other cost information.

Petco Pay Mastercard Credit Card:Click here for important rate, fee and other cost information.

Yes, if you have been approved for a credit card in a Petco store or online, you will be able to use your newly opened account on the same transaction and receive a first purchase discount as well! For online applications, you will have to wait until you receive a physical card in the mail for any future online purchases, but you can visit any Petco store to look up your account.

There is no annual fee but there are associated fees. Please review the Credit Card Agreements for the Petco Pay Mastercard Credit Card and Petco Pay Credit Card. For important rate, fee and other cost information please see the links below:

Petco Pay Credit Card: Click here

Petco Pay Mastercard Credit Card:Click here

To make a payment on your Petco Pay credit card, please visit account center (Petco Pay Credit Card: www.comenity.net/petcopay and Petco Pay Mastercard Credit Card: www.comenity.net/petcopaymastercard). Register or log in, then follow the prompts to add a checking account number and bank routing number.

Yes! When checking out in store, just tell the store associate that you would like to pay using your Petco Pay Mastercard or Credit Card and would like to look up your account. You will be asked to show a valid form of identification and enter some information on the pin pad to confirm that it’s you. For online purchases, you will need your physical card to check out. If you can’t find your card, please contact Comenity Capital Bank by calling 1-877-751-1607 for the Petco Pay Credit Card, 1-855-266-0558 for the Petco Pay Mastercard Credit Card and TDD/TTY 1-888-819-1918.

Yes, all Petco Perks points expire 365 days after issuance.

Petco Perks points will be displayed in the member’s account on petco.com. Members can use their points directly at checkout!

1 Offer is exclusive to Petco Pay Credit Card holders enrolled in the Petco Perks program. Each transaction placed on a promotional Credit Plan(s) will not earn reward(s). This points program is provided by Petco and its terms may change at any time. This rewards program is provided by Petco and its terms may change at any time. For full Rewards Terms and Conditions, please see petco.com/content/petco/PetcoStore/en_US/pet-services/terms-of-use/petco-pay-terms-and-conditions. An additional 10 Points for every $1 spent on the Petco Pay Credit Card on top of the Points earned for every $1 spent for Net Eligible Purchases as a Member of a Petco Perks Program tier.

2 Application and approval must occur same day to receive the offer. Valid one time only. The entire transaction amount after discount must be placed on the Petco Pay Credit Card. Excludes Gift Cards, Donations and Tips. Offer redemption is dependent on application location. If application was made at Petco's point of sale within a Petco store, the offer can only be redeemed in-store. If application was made online, the offer can only be redeemed online. Applied to maximum transaction of $1000 or less.

3 Offer is exclusive to Petco Pay Mastercard® Credit Card holders enrolled in the Petco Perks program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Capital Bank does not have the ability to control assignment of merchant codes.

4 Valid one time only. Spend $500 outside of Petco in the first 90 days of account opening. Offer is exclusive to Petco Pay Mastercard® Credit Card holders enrolled in the Petco Perk program. For offers associated with a specific category earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party  that indicates the merchant’s area of business. Comenity Capital Bank does not have the ability to control assignment of merchant codes. Each transaction placed on a promotional Credit Plan(s) will not earn point(s).

5 Petco Pay Credit Card: Click here for important rate, fee and other cost information.
  Petco Pay Mastercard®: Click here for important rate, fee and other cost information.

6 Minimum payments are required for each Credit Plan. Valid for single transaction only. Each transaction placed on a promotional Credit Plan(s) will not earn points(s). Offer available at limited Petco Total Care. Go to petco.com/petcopay/termsandconditions. for excluded locations. Excludes Just Food For Dogs Kitchens or at any third-party veterinary partner located within a Petco.

8 Must provide valid email. Redemption Details:For Petco Mastercard® Credit Card, go to comenity.net/petcopaymastercard. and for Petco Pay Credit Card, go to comenity.net/petcopay. to upload a picture of your pet.

9 Petco is solely responsible for making the donation. Donation amount is based on 0.0025% from each purchase when using the Petco Pay credit card. Excludes cash advances, balance transfers, interest charges and fees. Petco Love is a national, non profit animal welfare organization working to inspire and lead change for animals in our country. Since 1999, Petco Love has invested millions on pet adoption and medical care programs, spay and neuter services, pet cancer research and other life saving initiatives – always investing wisely in organizations with the most lifesaving impact. Petco Love has also helped find homes for more than 6 million animals in Petco stores. Petco may change the benefit in future years. Maximum contribution, up to 1 million.

Credit card offers are subject to credit approval.

Petco Pay Credit Card Accounts are issued by Comenity Capital Bank.

Petco Pay Mastercard® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard® International Incorporated. Mastercard® and the Mastercard® Brand Mark are registered trademarks of Mastercard® International Incorporated.