Our Petco Pay credit card helps every purchase have a purpose with rewards1 and ways to give back2.

Credit card Dog
Petco Pay

Meet the credit card for pet lovers

Get 20% off your first purchase4

Save big on your first purchase when you open and use your Petco Pay credit card the same day you open an account.

Application and approval must occur same day to receive the offer. Valid one time only.

Petco Pay credit card benefits

Birthday gift5

Get a special gift during your birthday month!

Give back to animals2

With every Petco Pay purchase, we’ll donate to help save animal lives with medical care and more.

Put your pet on display every time you use your card

Make your card extra special by adding a photo of your pet—for free!6

Credit card

Petco Pay benefits at a glance

Enjoy these benefits when you make purchases with your Petco Pay credit card.


Petco Pay
Credit Card

Petco Pay Mastercard Credit Card

Birthday gift5
Extended Pals Rewards balance for 1 year7
Option to personalize your card6
Special financing options8
No annual fee9
A donation to Petco Love with every Petco Pay Credit Card purchase2
2 Pals points for every $1 at Petco locations or petco.com.1
2 Pals points for every $3 on grocery store purchases.3  
1 Pals point for every $3 on purchases everywhere else Petco Pay Credit Card is accepted.1  
An additional $25 Pals Rewards when you spend $500 in the first 90 days of your account opening outside of Petco10  

More reasons to love the Petco Pay credit cards

No annual fee

No annual fee9

Pay no annual fees!

Petco shopping bag

Hold on to your Pals Rewards and points longer7

When you use your Petco Pay credit card, you have up to one year to earn points and redeem your rewards.

Petco credit card

Special financing options8

Enjoy special financing options on qualifying purchases at Petco.

The credit card created for pet lovers by pet lovers

Petco in the palm of your hands

Restock your pet’s essentials, schedule services and more at home and on the go with our free app.

Frequently Asked Questions

Discover key benefits and more of your new favorite pet credit card.

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.

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.

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.

Please see the Petco Pay credit card agreement for the most up to date interest rates and terms and conditions.

Petco Pay Credit Card: www.comenity.net/petcopay

Petco Pay Mastercard Credit Card: www.comenity.net/petcopaymastercard

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.

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.

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.

Yes, all Pals Reward Points expire upon 365 days of issuance date.

Pals Reward Dollars will be displayed in the Member’s account at petco.com and palsrewards.com. Members are required to load earned Rewards Dollars for use to their Account. Members can do so via logging onto their Account online or by calling Petco Customer Relations at 888-824-PALS (7257).

1 Offer is exclusive to Petco Pay credit card holders enrolled in the Pals Rewards program. Each transaction placed on a promotional Credit Plan(s) will not earn reward(s). For a list of participating locations visit https://stores.petco.com. 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.