Two Easy Ways to Start Earning Rewards!
Become a member today!
Members-only pricing and offers, personalized care notifications, Vital Care points back on every purchase and more!
Become a credit card member today!Earn 2X Pals Rewards points at Petco
when you use Petco Pay!APPLY NOWLearn More About Petco Pay Benefits
The credit card that rewards pet lovers
Get rewards faster and earn these exclusive benefits with the Petco Pay credit card
2X
Vital Care
points
2X points = 2 Vital Care points2
Get 2 Vital Care points for every $1 spent at Petco or on Petco.com with purchase on your Petco Pay credit card1
2
Vital Care
points
on grocery store purchases3
2 Vital Care points for every $3 spent on grocery store purchases.
Exclusive to Petco Pay Mastercard Credit Card.
1
Vital Care
point
everywhere else3
1 Vital Care point for every $3 spent everywhere else Mastercard is accepted.
Exclusive to Petco Pay Mastercard Credit Card.
No annual fee5 + special financing6
On qualifying Petco purchases.
$25
Vital Care Rewards in the first 90 days4
When you spend $500 in the first 90 days outside of Petco.
Exclusive to Petco Pay Mastercard Credit Card.
1
year
extension on Vital Care Rewards balance7
Use your Vital Care Rewards at any time within the year.
Terms and conditions around these certain benefits of this program only apply to Mastercard holders vs. regular credit card holders.
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.
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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.
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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.
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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.
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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.
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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.
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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
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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.
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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.
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Yes, all Vital Care rewards expire upon 365 days of issuance date.
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Vital Care rewards will be displayed in the Member’s account at petco.com. Members are required to load earned rewards for use to their Account. Members can do so via logging onto their Account online or by calling Petco Customer Relations at 1 (888) 824-7257.
1 1 Vital Care point from the Vital Care Rewards program and 1 Vital Care point from using your card for cardholders. Offer is exclusive to Petco Pay Credit Card holders enrolled in the Vital Care Rewards program. Each transaction placed on a promotional Credit Plan(s) will not earn reward(s). 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/petcopay/termsandconditions.
2Application and approval must occur same day to receive the offer. Discount may be limited by temporary credit limit. 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.
3Offer is exclusive to Petco Pay Mastercard Credit Card holders enrolled in the Vital Care Rewards 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.
4Valid one time only. 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.
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 reward(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.
7 Account must not be in default. Redemption Details: Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. The entire transaction amount after discount must be placed on the Petco Pay Credit Card. All Vital Care points and rewards earned from credit card purchases will expire 1 year from their earn date.
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. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise.
9 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, nonprofit 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 lifesaving 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. Petco is solely responsible for making the donation. 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.