The 9 Best Credit Cards for Pet Expenses [2025]

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

*All information about these cards has been collected independently.

Chase Freedom Flex℠

Chase Freedom Flex℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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 Offer

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

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

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 & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
• 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

Cons

• 3% foreign transaction fees in U.S. dollars

Read Full Review

Card Highlights

• 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 20.24% – 28.99%.
• 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.

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars.

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:

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

• 2% cash-back on Lyft rides through September 30, 2027
• Points can be transferred to premium Chase credit cards to redeem for up to 50% more in value for travel
• Complimentary 6-month DoorDash DashPass subscription (starting February 1, 2025, for new enrollees)
• 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^®

Chase Freedom Unlimited^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

Chase Freedom Unlimited^®

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

Welcome Offer

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

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 & Cons

Pros

• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 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; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% 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 18.99% - 28.49%.
• 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 from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card earns 5% back on travel through Chase Travel, 2% 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.

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

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 Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

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

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, 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 & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. 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, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

Why We Like the Amex Gold Card Overall

• 4x earnings at restaurants (up to $50,000 in purchases per year)
• 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.

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Hilton Honors American Express Surpass^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

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 Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.

130,000 points

UP's Offer Valuation*:

Up to $650

Annual Fee

$0 introductory annual fee for the first year, then $150. Offer Ends 8/13/2025.

APR

20.24%-29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

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 & Cons

Pros

• 12x points per $1 at Hilton hotels
• 6x points per $1 at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
• 4x points per $1 at U.S. online retail purchases

Cons

• $0 introductory annual fee for the first year, then $150. Offer Ends 8/13/2025. (rates & fees)

Read Full Review

Card Highlights

• Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
• $0 introductory annual fee for the first year, then $150. Offer Ends 8/13/2025.
• Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass^® Card. That's up to $200 in statement credits annually.
• 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.
• As a Hilton Honors American Express Surpass^® Card Member, you can enroll to receive complimentary National Car Rental^® Emerald Club Executive^® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% Variable
• Foreign Transaction Fees: None

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 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

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 Offer

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

$200

Annual Fee

$0

APR

20.24%-29.24% Variable,0% on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

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 & Cons

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.

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.

Read Full Review

Card Highlights

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% 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.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% Variable,0% on purchases for 15 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

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 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

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 Offer

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

$250

Annual Fee

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

APR

20.24%-29.24% Variable,0% on purchases for 12 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

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 U.S. 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 & Cons

Pros

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

Cons

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

Read Full Review

Card Highlights

• Earn a $250 statement credit after you spend $3,000 in eligible 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 with a fixed fee. 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% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
• 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 and 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.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred^® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% Variable,0% on purchases for 12 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

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 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.