The credit card that rewards pet lovers

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. 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 $500 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.