The credit card that rewards pet lovers



2 Pals points for every $1 spent at Petco or on with purchase on your Petco Pay credit card1



Your first purchase with the Petco Pay credit card the day you open your account2

Get rewards faster and earn these exclusive benefits with the Petco Pay Credit Card

Terms and conditions around these certain benefits of this program only apply to Mastercard holders vs. regular credit card holders.

More reasons to love the Petco Pay Credit Card

Personalize your card

Your pet is never far away when they are on your Petco Pay Credit Card.8

Help save animals’ lives

With every purchase you can help save animals in need, thanks to our donations to Petco Love.9

For pet lovers,
by pet lovers

Petco in the palm of your hands

Restock your pet’s essentials, schedule services and more at home and on the go with our free app.

Frequently Asked Questions

Discover key benefits and more of your new favorite pet credit card.

There are two ways you can apply, visit your nearest Petco store and apply at checkout or online at If approved, you’ll receive a credit card welcome kit in the mail within 7-10 business days.

Thank you for your interest in the Petco Pay Credit Card program! There is no specific credit score needed for Petco Pay, many factors are included and weighed in the application process.

Yes! You can use both the Petco Pay Credit Card and Petco Pay Mastercard as payment for vet bills at Petco vets. Financing plans are also available.

Please see the Petco Pay credit card agreement for the most up to date interest rates and terms and conditions.

Petco Pay Credit Card:

Petco Pay Mastercard Credit

Yes, if you have been approved for a credit card in a Petco store or online, you will be able to use your newly opened account on the same transaction and receive a first purchase discount as well! For online applications, you will have to wait until you receive a physical card in the mail for any future online purchases, but you can visit any Petco store to look up your account.

To make a payment on your Petco Pay credit card, please visit account center (Petco Pay Credit Card: and Petco Pay Mastercard Credit Card: Register or log in, then follow the prompts to add a checking account number and bank routing number.

Yes! When checking out in store, just tell the store associate that you would like to pay using your Petco Pay Mastercard or Credit Card and would like to look up your account. You will be asked to show a valid form of identification and enter some information on the pin pad to confirm that it’s you. For online purchases, you will need your physical card to check out. If you can’t find your card, please contact Comenity Capital Bank by calling 1-877-751-1607 for the Petco Pay Credit Card, 1-855-266-0558 for the Petco Pay Mastercard Credit Card and TDD/TTY 1-888-819-1918.

Yes, all Pals Reward Points expire upon 365 days of issuance date.

Pals Reward Dollars will be displayed in the Member’s account at and Members are required to load earned Rewards Dollars for use to their Account. Members can do so via logging onto their Account online or by calling Petco Customer Relations at 888-824-PALS (7257).

1 1 Pals point from Pals Rewards and 1 Pals point from using your card for cardholders. Offer is exclusive to Petco Pay credit card holders enrolled in the Pals Rewards program. Each transaction placed on a promotional Credit Plan(s) will not earn reward(s). For a list of participating locations, visit This rewards program is provided by Petco and its terms may change at any time. For full Rewards Terms and Conditions, please see