The 9 Best Credit Cards for Pet Expenses [2024]

Updated: March 4, 2024, 5:47am CST

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The 9 Best Credit Cards for Pet Expenses [2024]

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Pets can be just like family, for a variety of reasons. We love them, they love us (except for some cats), and we can spend a lot of money making sure they’re raised well. Like every other purchase we make, it’s a real bonus when those pet-related expenses can also be earning rewards.

Whether it’s cash-back, miles, or redeemable points, every purchase you make for your pet has the potential to accumulate earnings.

That’s the topic on our mind today. We’re going to look closely at how we can purchase pet-related items and services and uncover the best ways to reap as much benefit from those expenses as possible.

There are many variables when it comes to earning on pet-related purchases. Where you purchase the items or services and, of course, which credit card you use, can make a huge difference.

In our article, we’ll uncover which credit cards are the best to use for pet-related purchases and discuss additional options for elevated earnings and savings using special card offers.

If you’re ready to earn more on your pet purchases, let’s get started.

The 9 Best Credit Cards for Pet Expenses

Let’s take a moment and preview our featured cards with a summary of how each card earns on pet expenses.

Card Summary

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Card	Welcome Offer and Annual Fee	Benefits for Pet Expenses
Chase Freedom Flex℠*	Earn a $200 bonus after you spend $500 on purchases in your first 3 months. Annual fee of $0	5% cash-back at quarterly bonus merchants
Chase Freedom Unlimited^®	Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. Annual fee of $0	1.5% cash-back on every purchase 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
American Express^® Gold Card	Earn 60,000 points when you spend $6,000 on purchases in the first 6 months. Annual fee of $250 (rates & fees)	4x points at U.S. supermarkets, up to $25,000 in per calendar year
The Hilton Honors American Express Surpass^® Card	Earn 130,000 points after spending $3,000 in purchases in the first 6 months Annual fee of $150 (rates & fees)	6x points at U.S. supermarkets, no limit 4x points on U.S. online retail purchases
Blue Cash Everyday^® Card from American Express	Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months. Annual fee of $0 (rates & fees)	3% cash-back at U.S. supermarkets up to $6,000 per calendar year 3% cash-back at U.S. online retailers, up to $6,000 per calendar year
Blue Cash Preferred^® Card from American Express	Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months. Annual fee of $0 intro annual fee for the first year, then $95 (rates & fees)	6% cash-back at U.S. supermarkets up to $6,000 per calendar year
Citi Double Cash^® Card	Earn $200 cash back after spending $1,500 in the first 6 months. Annual fee of $0	2% cash-back unlimited on all purchases (1% when you buy and 1% when you pay)
Capital One Venture Rewards Credit Card*	Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months. Annual fee of $95 (rates & fees)	2x miles on every non-bonused purchase
Bank of America^® Customized Cash Rewards credit card*	Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Annual fee of $0	3% cash back in the category of your choice, plus 2% at grocery stores and wholesale clubs (up to $2,500 in combined quarterly purchases)

*All information about these cards has been collected independently.

Chase Freedom Flex℠

U.P. Rating

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex℠

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Welcome OfferEarn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200

Annual Fee

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.

Credit Recommended

Good to Excellent (670-850)

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
No annual fee
Excellent cell phone insurance
Ability to pool points
Mastercard World Elite benefits

Cons

3% foreign transaction fees in U.S. dollars

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards^®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC

Financial Snapshot

APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

You’ll earn the highest rewards on pet expenses when you use your Freedom Flex card at quarterly bonus-category merchants. Purchases made at these merchants will earn 5% cash-back in the form of valuable Ultimate Rewards points.

Common quarterly merchants that have been known to offer bonus earnings include these stores and payment methods which can facilitate making pet-related purchases:

Amazon
Drugstores
Grocery stores
Home improvement stores
Mobile wallets: Chase Pay, Apple Pay, Android Pay, and Samsung Pay
PayPal
Target and Target.com
Walmart.com
Wholesale clubs

Simply activate your quarterly bonus earnings each quarter and you will earn 5% cash-back, up to $1,500 in purchases, at specific quarterly bonus merchants with your Freedom Flex card.

Hot Tip: Many quarterly bonus merchants sell gift cards you can use to purchase pet supplies. For example, home improvement stores could sell Petco or Petsmart gift cards. Gift card availability will differ by merchant and by location.

Why We Like the Freedom Flex Card Overall

5% cash-back on Lyft rides through March 2025
Points can be transferred to premium Chase credit cards to redeem for up to 50% more in value for travel
Complimentary 3-month DoorDash DashPass subscription and option for 50% off for 9 months
Purchase protection and extended warranty

Bottom Line: If you’re flexible as to where you purchase your pet supplies, you may be able to earn 5% cash-back in most quarters by using your Freedom Flex card.

Chase Freedom Unlimited^®

U.P. Rating

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome OfferEarn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back

Annual Fee

APR

0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Credit Recommended

Good to Excellent (670-850)

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Travel
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Travel
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points

Cons

3% foreign transaction fee

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Financial Snapshot

APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card earns 5% back on travel through Chase Travel, 5% back on Lyft purchases, 3% back on dining and drugstore purchases, plus 1.5% back on all other purchases you make. For this reason, you can use it for pet supplies, pet-related services, veterinarian bills, and any other purchases you would need to make for your pet.

Why We Like the Freedom Unlimited Card Overall

Transfer cash-back earned as Ultimate Rewards points to premium Chase cards for up to 50% more value when redeemed for travel
No quarterly promotions to register for
Travel insurance including trip cancellation and trip interruption insurance
Roadside dispatch
Purchase protection and extended warranty

American Express^® Gold Card

Pet supplies purchased at U.S. supermarkets using your Amex Gold card will earn 4x Membership Rewards points per dollar spent. There is a maximum of $25,000 in 4x supermarket purchases each calendar year. After that, earnings are just 1 point per dollar spent.

BEST FOR DINING

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome OfferEarn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points

UP's Bonus Valuation*:
$1,320

Annual Fee

$250

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent (670-850)

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros

4x points per dollar at restaurants, plus takeout and delivery in the U.S.
4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
3x points per dollar on flights purchased directly from airlines or at Amex Travel
Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
No foreign transaction fees (see rates and fees)
Access to Amex’s The Hotel Collection
Access to American Express transfer partners

Cons

$250 annual fee (see rates and fees)
No lounge access

Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards^® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards^® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards^® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Why We Like the Amex Gold Card Overall

4x earnings at restaurants
3x earnings on flights purchased directly from the airlines or AmexTravel.com
The Hotel Collection benefits such as room upgrades and $100 in amenity credits per 2-night stay
Up to $10 monthly dining credit with participating dining partners
Travel benefits and protections such as secondary car rental insurance, trip cancellation and interruption, and baggage insurance
Purchase protection and extended warranty

Hot Tip: Grocery stores often sell gift cards you can use for pet-related expenses. Receive bonus earnings when using a credit card that offers elevated earnings at supermarkets, plus earn any additional store reward offerings (such as fuel rewards).

Hilton Honors American Express Surpass^® Card

Although you’ll be earning on 6x Hilton Honors points when you purchase pet supplies (or any other purchase) at U.S. supermarkets, you’ll also earn 4x on U.S. online retail purchases plus 3x points on every other purchase you make with your Hilton Surpass card.

Terms Apply / Rates & Fees

Hilton Honors American Express Surpass^® Card

U.P. Rating

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.

Learn More(at Amex's secure site)

Hilton Honors American Express Surpass^® Card

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.

Welcome OfferEarn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases in your first 6 months of Card Membership.
130,000 points

UP's Bonus Valuation*:
$650

Annual Fee

$150

APR

20.99%-29.99% Variable

Credit Recommended

Good to Excellent (670-850)

If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass^® Card can be a great fit for Hilton loyalists looking to up their travel game.

Pros

12x points per $1 at Hilton hotels
6x points per $1 U.S. supermarkets, U.S. gas stations, and U.S. restaurants
4x points per $1 at U.S. online retail purchases
3x points per $1 on all other purchases
Complimentary Hilton Honors Gold status
No foreign transaction fees (rates & fees)

Cons

Annual fee of $150 (rates & fees)

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass^® Card in your first 6 months of Card Membership.
Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass^® Card.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Points for all other eligible purchases on your Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass^® Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
Enjoy complimentary National Car Rental^® Emerald Club Executive^® status. Enrollment in the complimentary Emerald Club^® program is required. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Terms Apply.

Financial Snapshot

APR: 20.99%-29.99% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors

Why We Like the Hilton Surpass Card Overall

Complimentary Hilton Honors Gold elite status (spend $40,000 on the card in a calendar year for Diamond status)
Free Night Reward after spending $15,000 on the card in a calendar year
12x points at Hilton properties
6x points at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
4x points at U.S. online retail purchases
3x points on all other purchases (including pet supplies outside of grocery stores and services)
Up to $200 annual Hilton credit: Receive up to $50 in statement credits each quarter for eligible purchases made directly with Hilton
Complimentary National Car Rental Emerald Club Executive status upon enrollment

If you’re a Hilton loyalist, you’ll want to check out the entire collection of very rewarding Hilton-branded credit cards.

Blue Cash Everyday^® Card from American Express

The Blue Cash Everyday card is another good Amex card for earning rewards on your everyday purchases, including pet-related expenses. You’ll receive 3% cash-back on all purchases made at U.S. supermarkets up to $6,000 in purchases each calendar year, then just 1%. In addition, when you purchase pet supplies via U.S. online retailers (like Chewy.com), you’ll earn 3% cash-back on up to $6,000 in purchases per year.

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Blue Cash Everyday^® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Welcome OfferEarn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200

Annual Fee

APR

19.24%-29.99% Variable,0% on purchases for 15 months

Credit Recommended

Good to Excellent (670-850)

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday^® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros

3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
Monthly credit towards The Disney Bundle
Monthly credit towards Home Chef

Cons

Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday^® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday^® Card.
Terms Apply.

Financial Snapshot

APR: 19.24%-29.99% Variable,0% on purchases for 15 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Why We Like the Blue Cash Everyday Card Overall

Redeem cash-back for statement credits, gift cards, and shopping
Secondary car rental insurance with the option to purchase premium coverage for 1 low rate that covers the entire rental period
Purchase protection, up to $1,000 per item

Blue Cash Preferred^® Card from American Express

The Blue Cash Preferred card offers excellent rewards earning on all your U.S. supermarket purchases, including pet supplies.

HIGHEST CASH BACK

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Blue Cash Preferred^® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Welcome OfferEarn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

19.24%-29.99% Variable,0% on purchases for 12 months

Credit Recommended

Good to Excellent (670-850)

The Blue Cash Preferred^® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros

6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
6% cash-back on select U.S. streaming subscriptions
3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
1% cash-back on all other purchases

Cons

$0 intro annual fee for the first year, then $95 annual fee (rates and fees)

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It^® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred^® Card. That’s $10 in statement credits each month. Enrollment required.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred^® Card. Enrollment required.
Terms Apply.

Financial Snapshot

APR: 19.24%-29.99% Variable,0% on purchases for 12 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

Redeem cash-back through your American Express account

Why We Like the Blue Cash Preferred Card Overall

Secondary car rental insurance, option to purchase Amex Premium Protection for 1 low fee that covers the entire rental period
Shopping benefits such as purchase protection, extended warranty, and return protection

Not sure which one of these cards is best? Check out our side-by-side comparison of the Amex Blue Cash Everyday card and the Amex Blue Cash Preferred card.

Additional Cards for Pet Expenses

Any card that earns 2x earnings or better may be a good card to use for pet-related expenses, including veterinary bills. Here are a few to consider.

Citi Double Cash^® Card — Earn 2% cash-back on every purchase you make; 1% at the time of purchase and another 1% when you pay for those purchases (earned as ThankYou Points). Points can be redeemed for cash-back or travel.
Capital One Venture Rewards Card — Earn 2x miles on every non-bonused purchase you make.
Bank of America^® Customized Cash Rewards Credit Card — Earn 2% cash-back at supermarkets and wholesale clubs, and 3% cash-back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (bonus earning capped at $2,500 in purchases per quarter).

Additional Ways To Earn More on Pet Expenses

Shop through Chase

The Chase shopping portal offers additional opportunities to earn multiple Ultimate Rewards points per dollar spent using your Chase-issued credit card. The increased earnings listed in the Chase Shopping Portal offer are in addition to the amount you would earn on the card normally.

In addition to earning bonus Ultimate Rewards points for your purchases, you’ll find special bonus-earning offers or savings specific to each card. For example, Chase recently posted 30% off your first delivery subscription at Barkbox.

Chase Offers

When you log into your Chase credit card account, you’ll find a list of Chase Offers for each participating card.

Most Chase-issued credit cards, even debit cards and co-branded cards, come with Chase Offers you can use to earn more cash-back/Ultimate Rewards points on your purchases. Often you’ll find merchants that sell pet supplies within these offers.

Bottom Line: Most Chase credit cards have the potential to earn bonus rewards on pet-related purchases by either paying the bonus-category merchant directly, using a card that offers a fixed percentage of cash-back on all purchases and/or when utilizing the Chase shopping portal and Chase Offers.

Amex Offers

American Express-issued cards come with very special savings and reward-earning offers. Amex Offers are located within your online card account and can be added to your card for savings and elevated earnings.

It is common to find merchants selling pet-related supplies and services in the list of offers.

Hot Tip: Check your Amex Offers prior to making any pet-related purchases as you may find savings or bonus-earning offers.

Gift Cards at Bonus Category Merchants

Access your credit card account online to determine which merchants/spending categories earn bonus rewards. Purchase pet-related products at those merchants or purchase pet store gift cards and earn elevated rewards.

Utilize Cash-back Websites

Utilizing cash-back sites, such as Rakuten, TopCashback, and BeFrugal, can allow you to stack cash-back with both Chase Offers and Amex Offers for the potential to earn even more. Sign in to a cash-back site such as Rakuten, use the site’s link to access the store at which you’re making the purchase, then use the eligible Chase or Amex card that has the spending offer.

Final Thoughts

If you spend a lot on pet-related expenses, it’s worthwhile to determine which credit cards are the best at earning rewards on those purchases.

It’s also prudent to look at how a particular credit card matches your overall spending mix, your preferences for redeeming those rewards, and whether you’ll use any of the benefits that come with the card.

If you shop at grocery stores but don’t purchase your pet supplies there, it can also make economic sense to purchase pet-related store gift cards at bonus category supermarkets to ensure you’ll earn rewards. For example, if your credit card earns 4x earnings at the grocery store, pet store gift cards purchased there will normally earn those same 4x earnings versus possible 1x earnings when making your purchase directly with the pet store.

No single card solution works for everyone, but we’re confident you’ll find enough information here to make sure all of your future pet purchases earn rewards.

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Bank of America^® Customized Cash Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express^® Gold Card, click here.
For rates and fees of the Blue Cash Everyday^® from American Express, click here.
For rates and fees of the Blue Cash Preferred^® Card from American Express, click here.
For rates and fees for The Hilton Honors American Express Surpass^® Card, click here.

Featured Image Credit: Tatyana Gladskih / Adobe Stock

Frequently Asked Questions

Which is the best card for pet expenses?

The best credit card for purchasing pet supplies will depend on where you purchase your supplies. If you purchase your pet supplies from grocery stores, a card that rewards this bonus category would be a good choice.

Cards that earn well at grocery stores include the Freedom Flex card (when grocery stores are a quarterly bonus category), the Amex Gold card that earns 4x Membership Rewards points, and the Amex Blue Cash Preferred card that earns 6% cash-back on up to $6,000 in purchases each calendar year.

The card that is best for you, however, will be the one that matches your overall spending profile, has redemption options you find valuable, and offers benefits you can use… all for an annual fee you’re willing to pay.

Does Petco or Petsmart have a credit card?

Neither Petco nor Petsmart offers a store-branded credit card. The stores do, however, accept all leading credit cards including Visa, Mastercard, Discover, and American Express.

You can also use a debit card for your purchases.

How do Amex Offers work?

Amex Offers are cash-back, savings, or bonus rewards-earning offers that are featured in your Amex online card account.

Simply log into your online card account and select the Amex Offers and Benefits option mid-page. You’ll find a list of offers from which to select. Once you’ve found an offer you’ll use, click on Add to Card.

Read the description of the offer closely. Once you’ve made the purchase, you will receive a discount, cash-back, or bonus points, usually within days after the purchase posts.

Normally you can use an offer just once, even if you have the offer on multiple cards.

How do Chase Offers work?

When you log into your Chase online account, you will find Chase Offers listed for most credit and debit card accounts.

The offers listed will differ on each account. To be eligible for the offers, you must add the offer to your card by selecting the offer from a list under Account Benefits.

Complete the required purchase using your eligible card and you should receive a statement credit within a few days of the transaction.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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