Does Petco Pay Mastercard Credit Card have an annual fee?

No — Petco Pay Mastercard Credit Card has no annual fee.

What does Petco Pay Mastercard Credit Card earn on groceries?

2x on groceries (enrollment required).

What rewards does Petco Pay Mastercard Credit Card earn on everything else?

1x on all other purchases, in Petco Pals Rewards.

Petco Pay Mastercard Credit Card

Bread Financial · Mastercard · No annual fee · Earns Petco Pals Rewards

Rewards accrue as Vital Care points redeemable only at Petco (base earn everywhere else is ~1% equivalent), and applicants may be approved for the store-only Petco Pay card instead.

View at petco.com

Rewards by category

GroceriesEnrollment required	2x
Everything else	1x

Store bonuses

Petco6x

Sign-up bonus

25 Petco Pals Rewards after $500 spend in 90 days.

Key benefits

20% off your first purchase as a new cardholder
$25 Vital Care Rewards after $500 spent outside Petco in first 90 days
Extended 1-year expiration on Vital Care points and rewards
Donation to Petco Love with every purchase

Common questions

Does Petco Pay Mastercard Credit Card have an annual fee?: No — Petco Pay Mastercard Credit Card has no annual fee.
What does Petco Pay Mastercard Credit Card earn on groceries?: 2x on groceries (enrollment required).
What rewards does Petco Pay Mastercard Credit Card earn on everything else?: 1x on all other purchases, in Petco Pals Rewards.

Rewards details verified recently; issuer terms can change — confirm on the issuer's site before applying. Card names, logos, and the pages we link to belong to their respective owners. SwipeCaddy is not an affiliate and earns no commission from card sign-ups.