Why we picked it: The Credit One Bank Best Friends Credit Card is one of the only credit cards to specifically reward spending at pet-related retailers. Naturally, you want to make sure your loved one gets the best treatment available when illness strikes - without worrying about the cost. But since pet stores and veterinarians arent bonus categories you normally find on a rewards card, youll need to be strategic about which card you use. 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. Please review our list of best credit cards, or use our CardMatch tool to find cards matched to your needs. Credit score calculated based on FICO Score 8 model. Like the H3 WellnessPlus Card, the CareCredit Healthcare card offers deferred interest plans. If you don't have the funds to pay outright for a home charger, the Chase Freedom Unlimited can help you finance one. Medical Credit card accepts by Local Veterinarians, Pet Surgery Financing & Animal Finance Care Loans. Best Credit Cards for Electric Vehicle Owners - NerdWallet Best Credit Cards Of July 2023 - Forbes Advisor Financial Assistance - The Pet Fund Privacy Policy. CareCredit is a credit card you can use for pet-related expenses. Bankrate follows a strict Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is also ideal for consumers who already do business with Citi. The Wells Fargo Active Cash Card is a great option if you plan to adopt a new pet. Browse best-in-class credit cards for cash back, points and miles, 0% APR, credit building and more. Pet ownership can cost several hundred dollars per year, including pet supplies and other recurring purchases. Thankfully, the card issuer recognizes that pets are also members of the family and offer veterinary financing options through the card. Here are our top picks for the best credit cards for pet owners. If you suddenly have to pay hundreds of dollars towards pet care, there is one perk to using the Wells Fargo Active Cash Card. The card earns an impressive. The card can even be used to purchase food for your pet, so long as the food is medically recommended by your vet and purchased through the vets office. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. Why we like it: With this card, you'll earn an unlimited 2 miles per dollar on every purchase. If you have a furry friend, you would probably do just about anything for them including shelling out for things like treats and fluffy beds in addition to their necessary food and vet expenses. CreditCards.com is an independent, advertising-supported comparison service. Get a 0% introductory APR credit card. As a bonus, the card comes with no annual fee and an interest rate as low as 12.98%. That said, there is a $2,500 spending limit per quarter on the card's 3% and 2% categories. The Freedom Unlimited is especially helpful for for owners with expenses that outweigh their pet food and supply spending, including medications and pet sitting services. 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 . So long as the bill is paid in full before the end of the promotional period, you will pay zero interest. Our technology works directly with financial institutions to match you to the offers from our partners that are right for you, which means you are more likely to qualify for the products that are Matched for You. American Express Business Gold Card - best for flexible rewards earning. 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. an insurance agency owner and financial advisor and translated that into a finance writing career that helps business owners and professionals . It can cover a range of veterinary procedures including annual check-ups, teeth cleaning, medications and surgeries on dogs, cats, birds, reptiles, horses and other animals. Other product and company names mentioned herein are the property of their respective owners. Editorial integrity is central to every article we publish. Who should apply: People who buy most of their pet food and other basics at U.S. supermarkets and can earn enough cash back from the cards categories to justify its annual fee. But many pet expenses don't fit into card bonus-earning categories, so you'll want to use a card with a solid flat earning rate for other things like vet expenses, boarding and grooming. Contrary to its moniker, ringworm is actually a fungal infection that can affect the nails, skin and hair of dogs and other animals.According to the Merck Veterinary Manual, dermatophytosis (or . 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. And if so, you're not alone. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. This compensation may impact how, where, and in what order the products appear on this site. Purchases over $2,500 qualify for 60-month financing. Compare trusted real estate agents all in one place. This is a major saving over other cards that offer reduced interest financing. Unlike health care providers, vet clinics typically don't offer payment plans that don't involve you applying for credit. To get an idea of which cards you qualify for, consider using a free tool like Experian CreditMatch. Earns 3 percent cash back in one of six popular categories, 2 percent back at grocery stores and wholesale clubs and 1 percent back on other purchases. That could be helpful if you shop online for specialized supplies that arent sold at typical pet stores. American Express Gold Card . If a hefty vet bill catches you by surprise, the Wells Fargo Reflect credit card can give you time to pay down your balance without the burden of added interest charges. MyBankTracker has partnered with CardRatings for our coverage of credit card products. While we adhere to strict You can show your pet off every time you make a purchase with your AKC card. You'll earn a $200 bonus when you spend $500 in the first 3 months. Veterinary Financing Program: Get best Veterinary Financial Assistance by iCare Veterinary Care Financing. View our list of partners. Airline credit cards let you rack up frequent-flier miles on everyday purchases and then redeem them for flights instead of paying cash. Why we like it: The Freedom Unlimited earns 5 points per dollar on Chase travel, 3 points per dollar on dining and drugstore purchases and 1.5 points per dollar on all other purchases. Its rewards are designed for pet owners of all kinds. Youll earn 6 percent cash back at U.S. supermarkets (up to $6,000 per year, then 1 percent), and this cards stellar cash back on a variety of other popular categories can free up a bit more money toward pet expenses. The potential for 2% back on all purchases coupled with no annual fee makes this a great option for pet owners who know they will consistently pay off their balance. Our favorite strategies will ensure you're maximizing you're earning points on all the things that keep your four-legged friend living their best life. Connect with Garrett Yarbrough on LinkedIn, Get in contact with Garrett Yarbrough via Email, drugstores may only fill prescriptions for pet medications, Bank of America Preferred Rewards program, Chases 5 percent cash back rotating categories, Capital One Quicksilver Student Cash Rewards Credit Card, Capital One Quicksilver Secured Cash Rewards Credit Card, Do Not Sell or Share My Personal Information, California Consumer Financial Privacy Notice, Credit One Bank Best Friends Credit Card, 5% cash back on the first $5,000 of pet shop, pet food store and pet supply store purchases each year (then 1% back), Blue Cash Preferred Card from American Express, $0 intro annual fee for the first year, then $95, Blue Cash Everyday Card from American Express, Bank of America Customized Cash Rewards credit card, Bank of America Customized Cash Rewards Secured Credit Card. in Business Administration, Concentration in Information Systems from Northeastern University. The online shopping category includes Walmart.com and Target.com two major stores that typically dont fall within credit card bonus categories. Earn 3 points per $1 on the . If you're a Bank of America Preferred Rewards member, you could earn 25% to 75% more cash back on every purchase. Not all veterinarians accept CareCredit as a payment option. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. For more details, check out our full review of the Venture Rewards card. 4 Credit Cards That Are Great for Pet Owners . Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score. 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, 0% on Purchases and Balance Transfers for 15 months. Who should skip: Pet owners who buy their food and supplies in bulk from wholesale clubs like Costco or superstores like Walmart. Opinions expressed here are authors alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. Adding a pet to your family can add an enriching sense of companionship to your life as well as brand-new expenses. You have money questions. Consumers withgood credit scorescan also take advantage of its low-interest rate when they really need the flexibility of long-term financing. No annual fee. The interest rate is a high 26.99%, so you'll want to avoid having a balance. Depending on the size of the charge, the deferred interest period can extend for 6, 12, or 18 months. Now it could raise your credit scores instantly. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Our experts have been helping you master your money for over four decades. But, before you use a convenience check, it's crucial to know what they are, what their . Who should skip: People who may exceed the cash back categories quarterly spending limits or would prefer a more streamlined rewards experience. Youll also rake in unlimited 6 percent cash back on select U.S. streaming subscriptions and 3 percent on transit and U.S. gas station purchases. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. Who should apply: People who dont mind shopping online for their pet products or visiting U.S. supermarkets. Who should skip: Pet owners who dont frequently shop at supermarkets or buy pet supplies online. It hurts us to see people earning just one point per dollar on their pet expenses. There is no annual fee and interest can be deferred on purchases totaling up to $300 for up to 12 months. MORE: NerdWallet's best credit cards for pet owners. Best Credit Cards for Dog Owners | CompareCards.com Best Credit Card Processing Companies for Small Business of 2023 Licenses and Disclosures. We are an independent, advertising-supported comparison service. This card also charges no annual fee, making it a budget-friendly card if youre under financial stress. What Is a Convenience Check? - Experian No annual fee . Here are five things to know about the Petco Pay credit cards. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. You should also evaluate how much those points are really worth. That may be high enough to make a fixed-term. Chase and American Express regularly have merchant offers that help you save on your pet purchases. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. This makes it perfect for people who are nervous to get a credit card from a company they arent familiar with. For more details, check out our full review of the Citi Double Cash. This makes it especially useful for unexpected expenses because it can cover the out of pocket costs while you rebuild your budget around the expense. The Capital One Quicksilver Secured Cash Rewards Credit Card and its unlimited, 1.5 percent flat-rate cash back may be more interesting to these potential cardholders. Experian. Why we picked it: The Blue Cash Preferred Card is known as one of the best cash back cards on the market for everyday expenses, including pet food and other supplies you can buy at supermarkets. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Boost your business with rewards, perks and more. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Earn unlimited 2% cash rewards on purchases, Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Now, she uses her teaching skills to help make credit cards accessible for everyone, regardless of their goals or experience. 1. The best credit card for your needs as a pet owner hinges on a few key questions you should consider: Owning a pet can be a rewarding experience even financially, if you have the right credit card. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Its U.S. supermarket category doesnt include wholesale clubs superstores. While the typical pet owner spends over $1,300 per year to care for their pet, they spend additional money when they first bring their furry friend . Dog owners will love the customization options offered by the American Kennel Club Visa. Why we picked it: The Blue Cash Everyday card is more than a no-annual-fee alternative to the Blue Cash Preferred. Bankrate insight: The Credit One Best Friends card is a Visa credit card, meaning that purchases from any pet store that appears on your monthly billing statement with the 5995 merchant category code (MCC) will earn 5 percent cash back (MCC 5995: Pet Shops, Pet Foods and Supplies Stores). Plus, Wells Fargo Active Cash has an introductory APR of 0% for 15 months from account opening and a credit limit of at least $1,000. 5 Mistakes to Avoid When Closing on a Mortgage - Experian Requires a minimum refundable security deposit of $300, which could be too much to tie up for some cardholders. 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. Open a Savings Account. This is one area where the H3 card comes out ahead as even the 60-month plan on the H3 card charges alower interest. Why we picked it: The Credit One Bank Best Friends Credit Card is one of the only credit cards to specifically reward spending at pet-related retailers. With its relatively low annual fee of $39 and a simple flat-rate reward structure of 1.5% back on all purchases, this card is simple to use and offers competitive rewards comparable to cards that are more difficult to be approved for. If you have a credit card that earns bonus points at supermarkets, like the American Express Gold Card, your best bet is to get essentials like food and treats where you get your groceries. Check the data at the top of this page and the bank's website for the most current information. Best Business Credit Cards of July 2023 - Business Insider The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews. Who should apply: Students who dont mind adjusting their spending based on the cards rotating categories in exchange for a high rewards rate. A Complete Guide To Carecredit For Pets - USA TODAY NerdWallet rating Learn More Wells Fargo Active Cash Card Our pick for: General pet care and supplies Card details Rewards: Unlimited 2% cash back on purchases. You'll then have a 17.99% - 29.99% variable APR. See the online credit card applications for details about the terms and conditions of an offer. Best Business Credit Cards of July 2023 - The Points Guy Purchases larger than $999 qualify for a 24, 36, or 48-month payment plan, and purchases larger than $2,499 qualify for a 60-month payment plan. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Like human health insurance, different plans will offer different levels of coverage, so talk with your vet about the best option for your pet or pets. The overall best car insurance company of 2023 is American Family. Our vet financing program makes it fast, easy, and affordable for your pet to get well soon. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access The Citi Health Card is more flexible than other pet health cards because the payment plans that are available are determined by each individual vets office. As a rule of thumb, its easier and more affordable to get pet insurance for a young pet rather than an older one, so starting early could be a wise financial decision. The card details have not been reviewed or approved by the card issuer. Best Credit Cards 2023 . Please understand that Experian policies change over time. Instead of adding a joint account holder after you apply for a credit card, as you would with an authorized user, you apply with them as a co-borrower or cosigner. How to get a personal loan with fair credit. TJ Porter has in-depth experience in reviewing financial products such as savings accounts, credit cards, and brokerages, writing how-tos, and answering financial questions. Its Cashback Match welcome offer provides incredible value by matching all cash back you earn in your first year. Its reliable rewards rate may also earn more cash back on pet expenses since it covers online shopping, pet stores, veterinary visits and more. While nobody can see the future to know exactly how much money their pet may need, having money set aside in the case of an emergency can save you from unexpected debt. Ultimately, I found that switching homeowners insurance companies could help me save as much as $900 per year. After you reach that threshold, the card only earns 1 percent cash back for the remainder of the quarter. This site may be compensated through the bank advertiser Affiliate Program. These offers do not represent all account options available. If your pet's condition isn't urgent and you have a good credit score (690 or higher), you may qualify for a card that can help you finance your vet . Compare the cost in points or miles to cash, and see which option is best. Adopting a pet from a shelter generally costs much less than buying from a breeder. These two categories in particular can be helpful for online pet retailers and getting pet-friendly furniture (or replacing damaged furniture). This card beats the H3 card in that the minimum purchase for deferred interest is only $200. Compare cards in one place to find the one for you. The card offers a 0% intro APR on purchases and Balance Transfers for 15 . Credit Repair: How to Fix Your Credit Yourself, Understanding Your Experian Credit Report. Who should skip: Students who already have a lot on their plate and dont want to micromanage their credit cards rewards program. Student cards usually carry weak welcome offers or none at all but this card provides the full Discover Cashback Match. Why we picked it: Pet owners who want a simple rewards experience can use the Chase Freedom Unlimited to earn at least 1.5 percent cash back on all their purchases. But, unlike other flat-rate cash back cards, it also provides unlimited 3 percent back on dining and drugstore purchases. College is the gateway to adulthood, and it's the perfect time to start building your financial health and credit. Chase Freedom Unlimited WYATT SMITH/THE POINTS GUY Welcome bonus: Earn an additional 1.5% on all purchases up to $20,000 spent in the first year. A 3% fee applies to all balance transfers. How to Budget for a Pet - Experian BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Terms apply to the offers listed on this page. Should I Pay for Vet Bills With a Credit Card? If your new pet gets sick unexpectedly, the costs could skyrocket quickly. Medical deduction Because of the higher standard deduction created by the Tax Cuts and Jobs Act of 2017, medical expenses have gotten harder to claim. 1. Online shopping categories tend to be the most versatile since they may cover sites like Chewy.com, online pet store purchases and their online pet pharmacies. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Why we picked it: You can use the Discover it Cash Back card to earn an excellent 5 percent cash back in a variety of bonus categories that rotate throughout the year (upon activation, on up to $1,500 in spending per quarter, then 1 percent back). See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Authorized User vs. Joint Account Holder: What's the Difference? Wholesale club purchases rarely earn more than 1 percent back on credit cards, so this category could be especially helpful for bargain-hunters or people with several pets. Despite the lengthy name, you dont need a lengthy (or perfect) credit score to get this rewards credit card. Best Credit Cards for Pet Owners of 2023 - Experian Who should apply: People who prefer a standalone rewards card that earns more than 1 percent back on both pet and human expenses. If the bill is not paid in full by the end of the promotional period, the interest will be added to the bill, making it much larger than it was at first. Best credit cards for pet expenses - CreditCards.com Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. 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. The Average Pet Owner Spends This Much on Their Furry Friends Each Year The card isnt just a dog credit card for dog owners. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Find A Personal Injury Lawyer Near You - Forbes Advisor At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. Along with 3 percent back at U.S. supermarkets and U.S. gas stations, youll also earn 3 percent cash back on U.S. online retail purchases. 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. Discover announces its rotating categories several months ahead of time, which lets you plan out your pet purchases for maximum cash back, Youll need to activate your rotating categories every quarter and track your spending due to the $1,500 quarterly spending limit. Often a credit card issuer may send you a blank one when you open an account as a way to encourage spending. Opinions expressed here are authors alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. If you are a veteran pet parent, its never too late to start an emergency fund of your own or to take advantage of a generous sign-up bonus when stocking up on your furry friends favorite treats and toys. General Pet Care & Supplies: Wells Fargo Active Cash Card Rewards: Unlimited 2% cash back on all purchases. Best $0 annual fee credit card: Kogan Money Card - Balance Transfer Offer. If youre thinking about adopting a pet, consider creating a savings fund for emergencies and picking a credit card that can reward you for everyday purchases. 5.0 Up to 5% Reward Rate Earn 5% Back at Amazon.com and Whole Foods Market; Earn 2% Back at restaurants, gas stations, and drugstores; Earn 1% Read More Welcome Bonus Amazon gift card Annual Fee. Several of the cards usual bonus categories can reward popular college student and pet expenses, such as groceries, dining, gas and online purchases. 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. Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. The Wells Fargo Active Cash Card is a great option if you plan to adopt a new pet. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. While a rewards credit card is a great tool to use for everyday pet costs, pet insurance could go a long way when it comes to unexpected or emergency vet bills. It carries a 0 percent intro APR on purchases and balance transfers for 15 months (after which a 18.99 percent to 29.99 percent variable APR applies) and a. Whether you are adopting a new furry friend or caring for one (or two, or three or eight) that you already own, unexpected vet expenses can put a damper on time with your pet and hit your wallet hard.