Effective Date: June 22, 2026
Please read these terms and conditions (“Program Terms”) carefully for important information about your rights and obligations related to the Petco Perks Program (formerly Petco Perks) for Petco Pay Credit Card and Petco Pay MasterCard Cardholders (“ Petco Perks Program” or the “Program”). By participating in the Program, you agree to be bound by these Program Terms, as well as Petco’s Terms of Use and the applicable terms for your Petco Perks membership, which are incorporated by reference into these Program Terms.
Petco Animal Supplies Stores, Inc. (also referred to herein as “Petco,” “we” or “us”) is solely responsible for the Program and may terminate the Program or change the Program Terms at any time. The Program Terms may also be supplemented with additional terms, conditions, and disclosures, including but not limited to applicable terms related to any promotional offers provided to you for use with the Program. All information collected about you in connection with the Program is subject to the respective privacy policies of Petco and, if applicable, Comenity Capital Bank. You can review Petco’s privacy policy at Privacy Policy and Comenity Capital Bank's privacy policy at https://comenity.net/petcopaymastercard/images/privacy.pdf or https://comenity.net/petcopay/images/privacy.pdf.
These Program Terms govern your participation in the Program. For information related to your rights and responsibilities in connection with your Petco Pay Credit Card or your Petco Pay MasterCard (including information related to disputes related to your Petco Pay Credit Card account), please refer to your Credit Card Agreement with Comenity Capital Bank.
These Program Terms are governed in accordance with the laws of the State of California without regard to its conflict of law provisions, unless the laws of your jurisdiction require that those laws apply. To the extent that any claims could be brought in court and except with respect to matters that can be heard in small claims court, you and Petco hereby expressly consent and submit to the exclusive jurisdiction of the state and federal courts located in the Southern District of California for the adjudication or disposition of any claim, action or dispute arising out of these Program Terms, including the Privacy Policy. The Federal Arbitration Act will govern the interpretation and enforcement of this arbitration agreement. Except as provided below, if any provision of these Program Terms is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Program Terms, which shall remain in full force and effect. No waiver of any provision of these Program Terms shall be deemed or construed a further or continuing waiver of such term or condition, of any other term or condition, or of any proceeding or succeeding breach of any provision in these Program Terms.
PLEASE READ THE MANDATORY DISPUTE RESOLUTION SECTION OF THE PETCO TERMS OF USE AVAILABLE HERE CAREFULLY, WHICH GOVERNS THE RESOLUTION OF ANY DISPUTES THAT YOU MAY HAVE WITH PETCO. IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. IT CONTAINS PROCEDURES FOR A MANDATORY EARLY RESOLUTION PROCESS, BINDING ARBITRATION, A CLASS ACTION WAIVER, AND A JURY TRIAL WAIVER. FOR INFORMATION RELATED TO DISPUTES WITH COMENITY CAPITAL BANK RELATED TO YOUR PETCO PAY CREDIT CARD ACCOUNT, PLEASE REFER TO YOUR CREDIT CARD AGREEMENT.
No purchase is necessary to become a member (“Member’) of or to enroll in Petco’s Petco Perks membership program. Members must be 18 years of age or older and a legal resident of the United States to participate.
All prospective Members must provide their email address upon signup for Petco Perks and agree to open Petco Perks account (“Petco Perks Account”) and transactional communications and rewards via email. Petco Pay Credit Card and Petco Pay MasterCard Cardholders are automatically enrolled in Petco Perks when they elect to open a subject account. Other eligibility criteria are set forth in the applicable Petco Perks Terms as part of Petco’s Terms of Use.
Petco may email Member regarding Petco Perks from time to time, including but not limited to providing Member (1) Petco Perks Account statements, (2) Petco Perks Points notifications, and/or (3) other transactional information related to your Petco Perks account. Member consents to receive these emails at any time of day to the fullest extent allowable by applicable law. Member consents to these email notifications which are required as part of Petco Perks membership. Members may opt-out of promotional email messages anytime at Petco.com, Petco.com/Petcoperks, or within the Petco mobile application (“App”).
Petco Pay Credit Card. Members may apply for a Petco Pay Credit Card or Petco Pay Mastercard Credit Card Account (“Petco Pay Credit Card Account”), administered and issued through Comenity Capital Bank. As a Member, if you are approved for either a Petco Pay Credit Card or Petco Pay Mastercard Credit Card and agree to the terms of the Petco Pay credit card account agreement with Comenity Capital Bank ("Card Agreement"), which governs the use of both types of Petco Pay credit cards, you will enjoy additional benefits as a Petco Perks Member and a cardholder of either the Petco Pay Credit Card (“Petco Pay Cardholder”) or Petco Pay Mastercard Credit Card (“Petco Pay Mastercard Cardholder”), such as qualification for additional Petco Perks Points (“Points”) with purchases of qualifying products and services, as detailed in these Program Terms. These Program Terms are separate and independent from your Card Agreement. In the event of any conflict or inconsistencies between these Program Terms and your Card Agreement, these Program Terms will control in any matter relating to the Petco Perks Program and/or your relationship with Petco.
Points Disputes. Your right to dispute charges related to your Petco Pay Credit Card Account are set forth in your Cardholder Agreement with Comenity Capital Bank. Separately, if you believe that a purchase made on Petco Pay Credit Card Account should have resulted in the addition of Points to your Petco Perks Account, and such Points are not reflected in the Points balance within forty-five (45) days from the date on which the purchase was posted to your Petco Pay Credit Card Account, please contact Petco Customer Relations at 888-824-7257 or by submitting a request through a web form [here] to initiate a dispute (“Points Dispute”). Points Disputes must be received by Petco Customer Relations within ninety (90) days from the date of the purchasing or earning activity in question. Written requests should include the Member's name, Petco Perks number, address, daytime telephone number, and/or e-mail address and can be sent to Petco Animal Supplies Stores, Inc., Attn: Membership, 10850 Via Frontera, San Diego, CA 92127.
We will use reasonable efforts to investigate your Points Dispute so long as you notify us of such dispute within ninety (90) days from the posting date of such purchase. If you do not notify us within such ninety (90)-day period, you will have waived your right to make a Points Dispute with respect to that purchase. In order for us to undertake an investigation of your Points Dispute, Petco may require you to provide written confirmation of the dispute. If we do not receive the requested written confirmation at the address and within the time requested by us, we may in our sole discretion determine not to investigate your Points Dispute. Failure to supply adequate and unaltered documentation may result in the denial of Points. Upon completion of our investigation of your Points Dispute, we will have no further responsibilities should you later reassert the same Points Dispute. Please see the “Points Accrual Rules” section below for additional information regarding disputes.
“Net Eligible Purchases” are purchases of goods and services for personal, family or household use in the United States by a Petco Pay Cardholder, minus any refunds for returns of goods or any other refunds, and do not include any insurance purchases, payments of any taxes or shipping costs, the amount(s) of any coupons used or promotions provided in connection with a purchase.
As described in more detail below, Members will earn Points for every dollar spent on Net Eligible Purchases at any U.S.-based Petco retail store, any Unleashed by Petco retail store, at petco.com and/or on the Petco App (each a “Petco Location” and collectively, “Petco Locations”). Members may redeem Points as set forth in the applicable Petco Perks Program Terms. When you redeem Points while making a purchase, the Points value will be applied against the total purchase price, including applicable taxes and fees.
Points earned or issued under the Petco Perks Program are based on total Member spending on Net Eligible Purchases at any eligible Petco Location, as defined above. Points will not be earned on payments of any taxes or shipping costs, or for the amount(s) of any coupons used or promotions. If you are only a Petco Perks Member and not a Petco Pay Cardholder, Points will not be earned for purchases of gift cards or donations to Petco Love or other charities. If you are a Petco Perks Member and a Petco Pay Cardholder, you will receive Points for purchases of gift cards. Points do not have any cash value.
Members must provide the number associated with their Petco Perks Account at the point of checkout to receive Points for their purchase. To receive Points for purchases at petco.com or on the Petco App, Members must be logged into their Petco.com account. Other petco.com or Petco App payment methods, including guest checkout, are not eligible to earn Points on Net Eligible Purchases as set forth below, even if the Member is also a Petco Pay Cardholder. Members are responsible for maintaining accurate and updated personal information online at petco.com or on the Petco App.
Insurance purchases are excluded from the Petco Perks Program and no Points will be earned on any insurance purchases.
Points are not assignable, saleable, transferable, replaceable, or redeemable for cash. Petco is not responsible for Points not received as a result of the failure by Members to provide accurate email addresses and/or update their personal information.
Subject to the “Cancellation and Termination Policy” section below, membership in the Petco Perks Program is continuous, and no subsequent registration is required. Points earned on a Net Eligible Purchase which is then returned or exchanged may be deducted from Member's Petco Perks Account balance. Returns may cause a negative Points balance.
Petco Perks Program. As a Member of Petco Perks, you will earn:
Petco Pay Credit Card. As a Member of the Petco Perks Program and a Petco Pay Cardholder, you will earn:
Petco Pay Mastercard Credit Card. As a Member of the Petco Perks Program and a Petco Pay Mastercard Cardholder, you will earn:
To remain eligible to earn Points through your Petco Pay Credit Card or MasterCard, your Petco Pay Credit Card Account must be in Good Standing. “Good Standing” means your Petco Pay Credit Card Account is (1) open to new charges, (2) not more than sixty (60) days past due under the Card Agreement, and (3) not flagged as lost, stolen, or fraudulent according to Comenity Capital Bank's written or electronic records.
Points are only earned on Net Eligible Purchases. Points are not earned on: returns, refunds, credit adjustments at Petco, purchases using any type of promotional financing, unauthorized or fraudulent charges, charges that violate the terms of your Card Agreement, balance transfers, cash advances, transactions treated similar to cash advances, interest charges, and fees of any kind.
Petco may temporarily or permanently prohibit you from earning or using Points, or using any features of the Program, if: your Petco Pay Credit Card Account becomes delinquent; Comenity Capital Bank suspects that you or any authorized user has engaged in fraudulent activity related to your Petco Pay Credit Card Account or the Program; or Petco suspects that you misused the Program in any way.
Points awarded for purchases that do not remain Net Eligible Purchases will be deducted from your Points balance. Returned items may reduce or eliminate accumulated Points in your Petco Perks Account and may result in a negative Points balance. If your Points balance goes negative, you must first earn Points to bring your Points balance to zero (0) before being eligible to redeem any Points . Petco and Comenity Capital Bank reserve the right to verify and adjust Points, as applicable, at any time.
From time to time, we may make special offers for you to earn additional Points for Net Eligible Purchases. These additional points are called “Bonus Points.” The way to earn Bonus Points, and the Bonus Points that can be earned, may vary. Read each offer carefully, as there may be important conditions or limitations, such as blackout periods, Bonus Point limits, or exclusions. You may have to register to qualify for the offer. We may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Points already earned. Your Net Eligible Purchase must be completed and the transaction charged to your Petco Pay Credit Card Account during the special offer period in order for you to earn the applicable Bonus Points. For mail order, special order, online, Petco App and other purchases, please be aware that we may not charge your Petco Pay Credit Card Account until items purchased have shipped. During special offer periods, making a return in the same transaction as your purchase may result in earning fewer Points because Points are calculated off of your Net Eligible Purchase (in this case, your purchase minus return).
Points will expire 365 days after the date of issuance, subject to any account activity requirements in place at the time of issuance. Once expired, points cannot be redeemed or recovered. If Member's Account is inactive for 365 days, any Points accumulated will be reset to zero (0). A Member's Account is considered inactive when there have been no new purchases posted to the Account. Points forfeited due to inactivity will not be returned.
For more information on earning and redeeming points, see the Petco Perks Program Terms here.
Every 1,000 Points (i.e., eligible transactions equaling $100) will be redeemable for $1 on an eligible future purchase. Members may elect to redeem a specified number of Points toward an eligible purchase in specified increments. Points may be displayed in the Member's Account at Petco.com, Petco.com/Petcoperks, and/or in the App.
Points cannot be redeemed in full or in part for cash, gift cards or gift certificates. Petco is not responsible for lost or stolen Points. More information on the issuance and redemption of Points can be found in the applicable Petco Perks Program Terms.
If Member returns merchandise that was purchased with Points, the returned value of the merchandise will only equate to the total cash or credit originally charged. Points and/or coupons applied to the original transaction will not be credited back to the Member. If a Member returns an item that earned the Member Points, the applicable number of Points will be deducted from their Account.
Members may be offered certain benefits (“Benefits”), including pet birthday gifts and welcome kits. Benefits may require the completion of certain activities, for example, completing a pet profile. The Benefits available for Members to choose from will be displayed in their Petco Perks Account, which is accessible online at Petco.com or on the Petco App.
Physical Benefits may only be redeemed in a participating retail Petco Location. Petco cannot guarantee the availability of a physical Benefit at a retail Petco Location; supplies are limited, and Benefits are available while supplies last.
Benefits may be subject to additional terms and conditions, including a limit to the number of a Benefit that a Member can receive. These additional terms and conditions shall be established from time to time and are subject to change in Petco’s sole discretion. Benefits have no cash value and are not redeemable for cash.
Members are solely responsible for safeguarding their Benefits and protecting them from theft or unauthorized use and Petco will not replace lost or stolen Benefits.
Petco maintains the right to terminate Member's participation in the Program at any time. Upon termination, Member will forfeit any Points. Repeated returns of merchandise for which Points have been awarded may result in termination of Member's participation in Petco Perks Core if, in Petco's sole discretion, such behavior is determined to be fraudulent.
Please note that Petco may retain certain personal information subsequent to termination, as required by law or for legitimate business purposes. We may also retain cached or archived copies of personal information about you for a certain period of time. For additional information on how Petco maintains personal information, please see our Privacy Policy.
Minimum payments are required for each Credit Plan. Valid for single transaction only. Each transaction placed on a promotional Credit Plan(s) will not earn Points.
Special financing excludes Just Food For Dogs Kitchens, or at any third-party veterinary partner located within a Petco.
Offer includes qualifying purchases at Petco, Petco.com, and limited Vetco Total Care Vets.
Excluded Vetco Total Care Locations:
FLORIDA
Store #1516
2565 NE 10TH CO
HOMESTEAD, FL 33033
Store #1587
3551 W. HILLSBORO BLVD
DEERFIELD BEACH, FL 33442
Store #1780
1009 E COMMERCIAL BLVD
OAKLAND PARK, FL 33334
Store #1789
9960 GLADES ROAD
BOCA RATON, FL 33434
Store #2512
15895 PINES BLVD
PEMBROKE PINES, FL 33027
Store #2549
9200 WILES ROAD
CORAL SPRINGS, FL 33067
Store #2712
18579 S. DIXIE HWY
MIAMI, FL 33157
Store #2783
9380 DYNASTY DR
FORT MYERS, FL 33905
Store #1536
131 N. CATTLEMEN RD.
SARASOTA, FL 34243
Store #2710
3800 S TAMIAMI TRAIL STE 20
SARASOTA, FL 34239
Store #2711
2353 S FEDERAL HWY
STUART, FL 34994
Store #1773
13741 S TAMIAMI TRAIL Unit 2
FT MYERS, FL 33912-1627
Store #1529
11262 LEGACY AVENUE
PALM BEACH GARDENS, FL 33410-3641