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The Best Credit Cards for Pet Owners of 2023

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Pet owners have a lot of expenses, including toys, food, accessories, medical checkups and more. It's also not uncommon to be faced with emergency vet bills now and then. To make the most of your pet expenses, as well as your general living costs, consider one of these credit cards that offer rewards, intro 0% APR promotions and other perks.

Here are our top picks for the best credit cards for pet owners.

5 Partner Offers

Best Credit Cards for Pet Owners
Wells Fargo Active Cash<sup>®</sup> Card

Wells Fargo Active Cash® Card

$200 bonus when you spend $500 in purchases in the first 3 months from account opening

2% cash rewards on every purchase

No annual fee

(Rates & Fees)

 Wells Fargo Reflect<sup>®</sup> Card

Wells Fargo Reflect® Card

No annual fee

(Rates & Fees)

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

20,000 miles when you spend $500 in the first 3 months from account opening

5 miles per dollar on hotels and rental cars booked through Capital One Travel, and 1.25 miles per dollar on all other purchases

No annual fee

Rates and fees

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

$200 bonus when you spend $500 in the first 3 months from account opening

3% on dining and entertainment

3% on popular streaming services

3% at grocery stores (excluding superstores like Target and Walmart)

1% on everything else

No annual fee

Rates and fees

Bank of America<sup>®</sup> Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

$200 bonus when you spend $1,000 in the first 90 days from account opening

3% cash back in the category of your choice; automatic 2% back at grocery stores and wholesale clubs; and 1% back on all other purchases ($2,500 spending limit per quarter on 3% and 2% categories)

No annual fee

Wells Fargo Active Cash® Card

If you're facing a lot of first-time costs with a new pet or a large vet bill, the Wells Fargo Active Cash® Card makes it possible to save on interest charges and earn great rewards along the way. You'll earn a $200 bonus when you spend $500 in the first 3 months. Additionally, you'll get a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, then a 20.24%, 25.24%, or 29.99% Variable APR. As long as you make qualifying balance transfers within the first 120 days, you'll qualify for the intro rate and fee of 3% (after that, you'll have a fee of up to 5%, with a $5 minimum in both cases).

The card also offers unlimited 2% cash rewards on every purchase, so you don't have to worry about keeping track of multiple rewards rates on different categories. When you use the card to pay your phone bill, you'll get up to $600 in cellphone protection against damage or theft, subject to a $25 deductible. There's no annual fee.

Wells Fargo Active Cash® Card

Apply

on Wells Fargo's website

Rates and Fees

Good - Exceptional

Wells Fargo Active Cash® Card

APR

20.24%, 25.24%, or 29.99% Variable APR

Intro APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Rewards

2% Cash Rewards on Purchases

Intro Bonus

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Annual Fee

$0

Card Details
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Wells Fargo Reflect® Card

If you're facing significant costs for your pet and your top priority is a long 0% intro APR promotion, consider the Wells Fargo Reflect® Card. This card offers one of the longest such benefits, giving you a 0% intro APR on purchases and qualifying balance transfers for 21 months from account opening. You'll then have a 18.24%, 24.74%, or 29.99% Variable APR. Qualifying balance transfers have a 5% fee ($5 minimum).

The card has no annual fee, and it also offers up to $600 in cellphone protection against damage or theft, subject to a $25 deductible. That said, it doesn't offer rewards of any kind, so it's best if you only care about the lengthy 0% intro APR benefit.

Apply

on Wells Fargo's website

Rates and Fees

Good - Exceptional

APR

18.24%, 24.74%, or 29.99% Variable APR

Intro APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Rewards

None

Intro Bonus

N/A

Annual Fee

$0

Card Details
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Capital One VentureOne Rewards Credit Card

If you enjoy traveling, the Capital One VentureOne Rewards Credit Card is a decent basic travel credit card with a simple rewards program. When you open an account, you'll earn 20,000 miles when you spend $500 on purchases in the first 3 months—that's worth $200 in travel. The card also offers an introductory 0% APR on purchases and balance transfers for 15 months, after which the rate ranges from a 19.99% - 29.99% (Variable) APR; a balance transfer fee applies.

When you make regular purchases with the card, you'll earn 1.25 miles per dollar—that's not the best rewards rate on our list, but it's still decent when combined with the card's long 0% intro APR benefit. The card has no annual fee and also charges no foreign transaction fees.

Capital One VentureOne Rewards Credit Card

Apply

on Capital One's website

Rates and Fees

Good - Exceptional

Capital One VentureOne Rewards Credit Card

APR

19.99% - 29.99% (Variable)

Intro APR

0% on Purchases and Balance Transfers for 15 months

Rewards

5x Miles on Hotels and Rental Cars Booked through Capital One Travel

1.25x Miles on Every Purchase

Intro Bonus

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Annual Fee

$0

Card Details
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Capital One SavorOne Cash Rewards Credit Card

If you spend a lot on pet food, you can get bonus rewards at grocery stores when you use the Capital One SavorOne Cash Rewards Credit Card. You can also get significant rewards on a lot of your other everyday expenses.

With this card, you'll earn 10% cash back on Uber and Uber Eats purchases and complimentary Uber One membership statement credits through 11/14/24; 3% back on dining and entertainment; 3% on popular streaming services; 3% at grocery stores (not including superstores like Target and Walmart); and 1% back on everything else.

As a new cardholder, you can earn a $200 bonus when you spend $500 in the first 3 months. What's more, you'll also get a 0% intro APR on purchases and balance transfers for 15 months, then 19.99% - 29.99% (Variable) APR; a balance transfer fee applies. The card has no annual fee and also doesn't charge foreign transaction fees. See rates and fees.

Capital One SavorOne Cash Rewards Credit Card

Apply

on Capital One's website

Rates and Fees

Good - Exceptional

Capital One SavorOne Cash Rewards Credit Card

APR

19.99% - 29.99% (Variable)

Intro APR

0% on Purchases and Balance Transfers for 15 months

Rewards

8% Cash Back on Capital One Entertainment Purchases

5% Cash Back on Hotels and Rental Cars Booked through Capital One Travel (terms apply)

3% Cash Back on Dining, Entertainment, Popular Streaming Services & Grocery Stores (excluding superstores like Walmart® and Target®)

1% Cash Back on All Other Purchases

Intro Bonus

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual Fee

$0

Card Details
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee

Bank of America® Customized Cash Rewards credit card

If you're an existing Bank of America customer or you want a card that allows you to choose your own top rewards category, the Bank of America® Customized Cash Rewards credit card should be on your radar. You'll earn a $200 bonus when you spend $1,000 in the first 90 days. You'll also get a 0% intro APR for 15 billing cycles on purchases and any balance transfers made in the first 60 days. When the intro APR ends, an APR that's currently 18.24% - 28.24% Variable will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. That's close to the longest 0% APR promotion available, and you don't have to sacrifice rewards to get it.

The card also provides 3% cash back in the category of your choice from a select list, which might include gas and EV charging stations, online shopping, cable/internet/phone plans/streaming, dining, travel, drug stores or home improvement/furnishings. You'll automatically get 2% back at grocery stores and wholesale clubs and 1% back on all other purchases. That said, there is a $2,500 spending limit per quarter on the card's 3% and 2% categories.

If you're a Bank of America Preferred Rewards® member, you could earn 25% to 75% more cash back on every purchase. The card charges a $0 annual fee.

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Frequently Asked Questions

  • Credit cards with a 0% intro APR promotion allow you to make purchases and possibly transfer a balance from another credit card and pay the balance down interest-free over a period of six to 21 months, depending on the card.

    If you're using your 0% intro APR on purchases, all of your purchases made during the promotional period will enjoy the benefit. With balance transfers, though, card issuers typically require you to request your balance transfers within a certain period after you open your account—typically between two and four months. Also, balance transfers usually come with an upfront balance transfer fee of 3% to 5% of the transfer amount.

    While you technically only have to make minimum monthly payments each month, it's best to pay off your full balance before the promotion expires to avoid the card's regular APR. If you miss a payment during the intro period, you could lose your promotional APR.

    Also, keep in mind that if your card has a 0% intro APR only on balance transfers, it's best to avoid making purchases with the card because they may start accruing interest immediately until you pay off the transferred balance.

  • Unlike health care providers, vet clinics typically don't offer payment plans that don't involve you applying for credit. As a result, it may make sense to apply for a 0% intro APR credit card so you can get financing on your own terms.

    Depending on which card you choose, you could also enjoy other benefits that you won't get with the vet's financing options, including a welcome bonus, rewards, insurance protections and more.

  • While there are credit cards available from popular pet retailers like Petco, these cards typically don't offer a lot of benefits on non-pet expenses. As a result, it's best to choose a card that you can use for everyday costs in addition to your pet expenses.

    To determine which card is best for you, think about where you spend the most money on your pet, as well as on yourself. For example, many grocery stores offer pet food—one of your biggest ongoing expenses—so choosing a card that offers bonus rewards on grocery store purchases could make sense.

    Alternatively, if you primarily shop at pet stores for pet food and accessories, you may consider a card that offers a high rewards rate on every purchase.

    You'll also want to consider your other top spending categories, such as gas, dining and entertainment, to determine which card will give you the most value overall.

Find the Right Credit Card Match Based on Your Credit Score

Most of the best credit cards require good or excellent credit, but there are card options available for consumers across the credit spectrum. To get an idea of which cards you qualify for, consider using a free tool like Experian CreditMatch™.

With this tool, you can get matched with credit card offers based on your credit profile. With an Experian account, you can also get ongoing access to your FICO® Score and Experian credit report, so you can target areas of your credit profile for improvement and track your progress toward building and maintaining a good credit history.