Users' questions

Where is my Petco Mastercard?

Where is my Petco Mastercard?

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.

Can you use your Petco credit card anywhere?

The Petco Pay Mastercard Credit Card is a credit card that can only be used at Petco, online at and everywhere else Mastercard is accepted. You must be over the age of 18 to apply for this card. Once you are approved, you earn 2X pals points for every $1 spent on purchases at Petco and

What credit score is needed for Petco credit card?


Annual fee $0
Rewards Store and Mastercard versions: 8% on Petco purchases (3% on top of the 5% Petco Pals rewards). Mastercard version: Also get 2% on groceries and 1% on other purchases
Purchase APR 26.49% variable
Balance transfer APR N/A
Minimum Credit Score 670

Who issues the Petco credit card?

Comenity Bank
Petco offers two credit cards, both issued by Comenity Bank. Neither has an annual fee, and both can earn rewards: Petco Pay Credit Card: This card can be used only at Petco stores, known as a “closed-loop” credit card.

Can you buy a dog with a credit card?

Yes, if you can. Whether you’re adopting or buying a pet, experts say it’s a good idea to use plastic to pay the adoption fee or purchase price. In addition to the convenience factor, credit cards offer some consumer protections you don’t get with other methods of payment. “I highly recommend credit cards,” she says.

Does PetSmart have their own credit card?

Use a Rewards Credit Card PetSmart doesn’t offer a store-branded credit card, but there are plenty of solid cash back credit cards out there that’ll help maximize your spending.

Is there a PetSmart credit card?

Does Petco pay Google?

The Contactless Way to Pay You can leverage the payment methods already saved to your Google account for an easy, contactless checkout experience when using your Petco Pay Mastercard Credit Card. No card information is stored on your device or Google servers, and your card number is never shared with merchants.

What forms of payment does Petco take?

We gladly accept the following forms of payment:

  • Credit Cards including Visa, MasterCard, American Express, Discover.
  • PayPal.
  • Petco and Unleashed by Petco Gift Cards and eGift Cards.
  • Pals Rewards Dollars, in $5 increments.

Is Petco rewards a credit card?

The Pals Rewards program is not a credit card. It is our fee-free loyalty program that rewards you with exclusive offers and points for purchases made at Petco and online at The program is free to join! For full program details, visit

Does Petco have buy now pay later?

Petco is the latest retailer to partner with Klarna to allow customers to buy now and pay later. Klarna’s flexible payment options join a suite of shopping innovations Petco has introduced over the past eighteen months, including nationwide curbside pickup, same-day delivery and more.