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Petco Pay Credit Card
Partner Offer

Petco Pay Credit Card

Good to Excellent credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
When you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Apply now at Petco's secure site
Intro Bonus
20% Off20% off your 1st Petco purchase with your Petco Pay Credit Card when you open and use the card on the same day
Reward Rates
8%8% back in Pals Rewards at Petco
Balance Transfers Intro APR
Purchases Intro APR
Regular APR
26.49% (Variable)
Annual Fee


  • 20% off your first Petco Pay purchase when you open and use your Petco Pay credit card the same day you open an account
  • 8% back in Pals Rewards at Petco
  • A donation to the Petco Foundation with every Petco Pay Credit Card purchase
  • Personalize your Petco Pay credit card by adding an image of your pet - for free!
  • No annual fee
  • Special financing options
  • Birthday gift
  • Free shipping
  • Extended Pals Rewards and Points balance for 1 year
  • For full details, click apply now