Best Credit Cards for Pet Expenses: Rewards & Cashback in 2025
3. The Best Credit Cards for Pet Costs
3.1. Cashback Cards with a Flat Rate
You get the same amount of cash back on all purchases with these cards. If you don’t want to keep track of some categories or change how you spend money, these are perfect.
For example:
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A card that gives you 2% back on every purchase
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A card with no annual charge that gives you 1.5% cash back and perks for signing up
3.2. Cards for Bonus Categories
These cards provide you more points or rewards in certain areas, such as grocery stores, drugstores, or internet stores.
For example:
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A card that gives you 5% back on purchases at pet stores, grocery stores, or Amazon
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A revolving category card that has pet-related stores in some quarters
3.3. Credit Cards for Stores
Some big pet stores have their own credit cards with extra benefits and discounts.
Here are some examples:
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Store cards from places like PetSmart or Petco
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Cards that give you points for every purchase, special deals, and birthday gifts for your pet
3.4. Cards for Pets That Pay for Healthcare or Loans
CareCredit and other specialty cards are meant for health-related costs, such as vet bills.
