Best cards at PetSmart
myWalgreens Mastercard earns the most at PetSmart right now at 3x.
Rankings use issuer rates verified as of August 16, 2026.
In store
#13x3xmyWalgreens Mastercard
Synchrony · Mastercard · No annual fee
#23x3xRobinhood Gold Card
Coastal Community Bank · Visa · No annual fee
#32%2%Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
#42%2%Blue Business Cash Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
#52x2xThe Blue Business Plus Credit Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
#62%2%Citi Double Cash Card
Citi · Mastercard · No annual fee
#72%2%Coinbase One Card
Cardless · Amex · No annual fee
#82%2%Fidelity Rewards Visa Signature Card
Elan Financial Services · Visa · No annual fee
#92%2%Navy Federal cashRewards Plus
Navy Federal · Mastercard · No annual fee
#102%2%PNC Cash Unlimited Visa Signature Credit Card
Pnc · Visa · No annual fee
Online
#13%3%PayPal Cashback Mastercard
Synchrony · Mastercard · No annual fee
- #23x3x
myWalgreens Mastercard
Synchrony · Mastercard · No annual fee
- #33x3x
Robinhood Gold Card
Coastal Community Bank · Visa · No annual fee
- #42%2%
Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
- #52%2%
Blue Business Cash Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
- #62x2x
The Blue Business Plus Credit Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
- #72%2%
Citi Double Cash Card
Citi · Mastercard · No annual fee
- #82%2%
Coinbase One Card
Cardless · Amex · No annual fee
- #92%2%
Fidelity Rewards Visa Signature Card
Elan Financial Services · Visa · No annual fee
- #102%2%
Navy Federal cashRewards Plus
Navy Federal · Mastercard · No annual fee
Good to know at PetSmart
PetSmart doesn't limit your card choice: every major network is accepted both in store and online. What has changed is that the right answer now depends on where you're standing. Pet supplies is a category no issuer has claimed — there is no dedicated pet card the way there is for groceries or gas — so the winner isn't a card that pays for what you buy. Online it's a card that pays for how you check out.
At petsmart.com, the PayPal Cashback Mastercard leads at 3%, and it scores a full 3.00 because that 3% arrives as plain cash with no annual fee and no cap. The rate follows the checkout channel rather than the merchant category, so PetSmart qualifies for the same reason any online merchant does: you paid through PayPal. Behind it sit the myWalgreens Mastercard, then the Robinhood Gold Card at 3%, then Apple Card at 2%. If you're ordering food and litter for delivery, routing the payment through PayPal is the entire trick.
In the store that option disappears, and the in-store list is led by the myWalgreens Mastercard at 3% — worth about 2.70 in our scoring because it pays in Walgreens Cash rather than money, which is only worth face value if you actually shop at Walgreens. The Robinhood Gold Card's 3% is real cash but is tied to a paid Gold membership, so run that subscription cost against your annual PetSmart spend before counting on it. Apple Card's 2% assumes you tap with the mobile wallet. Practical rule: order online through PayPal when you can, and keep a 3% store-currency card as the register fallback.
One caveat that applies in both channels: none of these rates depend on PetSmart classifying itself a particular way, except the myWalgreens one, which reaches pet stores through its 3% health-and-wellness merchant group by merchant category code — a reading we have flagged for review. If that classification shifts, the in-store answer drops back to the flat-rate field.
The math
Spend $80 a month at PetSmart and myWalgreens Mastercard returns about $26 a year at our valuations — a flat 2% card returns $19.
Common questions
- What is the best credit card at PetSmart?
- myWalgreens Mastercard earns the most at PetSmart right now at 3x.
- How does SwipeCaddy pick the best card at PetSmart?
- We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply PetSmart's card-acceptance rules, so the "best" card is one you can actually use at the register.
- Does any card earn a bonus rate at PetSmart?
- Not for pet supplies as a category — no issuer offers a dedicated pet bonus. What you can get is 3% by another route: the PayPal Cashback Mastercard pays 3% on anything bought online through PayPal, and the myWalgreens Mastercard's 3% health-and-wellness merchant group covers pet stores by merchant category code, a reading we have flagged for review. Both beat the 2% flat-rate field, but only one of them works at a physical register.
- Do the PetSmart rankings change for online orders?
- Yes, and this is the one merchant where the difference matters. Online, the PayPal Cashback Mastercard takes first place with an uncapped 3% in real cash, provided you complete the order through PayPal. In store that card has no path to the 3%, so the top spot goes to the myWalgreens Mastercard's 3% — paid in Walgreens Cash, which we discount to about 2.70. Same wallet, two different best cards.
- Is the myWalgreens 3% really worth 3%?
- Only if you spend at Walgreens. The card pays in Walgreens Cash, a store currency you can redeem on Walgreens purchases rather than take as a statement credit, so we score it at about 2.70 instead of 3.00. If you never set foot in a Walgreens, treat that rate as closer to zero for planning purposes and use a flat cash card at the PetSmart register instead.
Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.