The best emergency pet care credit card is the Citi Double Cash card. You get 2% cash back – 1% when you swipe the card for your pet’s emergency expenses and another 1% when you pay them off – and there’s no annual fee. It’s good for pet medical expenses because it has a credit limit of at least $500 and can help you immediately recoup some of the cost with cash back rewards.
Another good option is the Citi Simplicity card. It’s not the best emergency pet care credit card because its best feature – 0% interest for 18 months – doesn’t last forever and thus requires a bit of advance notice. The Capital One Venture Rewards card is a contender, too, allowing you to earn $500 in travel by spending $3,000 in the first 3 months. Vet bills could certainly help you meet that spending requirement, and you and your pet may both need a vacation when you’re feeling better.
If you’re looking for an emergency pet care credit card designed specifically for that task, the CareCredit Card comes with a range of payment plans, from 0% interest for up to 24 months, to 16.9% for up to 60 months. And it’s accepted by more than 175,000 veterinarians nationwide. That said, any vet who takes credit cards will accept any Visa or Mastercard. And you can get a better deal if you don’t limit yourself to cards specifically for pet owners.
Here are the best emergency pet care credit cards:
- Capital One Venture Rewards Card
No annual fee the first year; $95 after. You get an initial bonus of 50,000 miles when you spend $3,000 within 3 months from account opening. That’s easy to earn with how expensive veterinarian bills are. Bonus miles redeemable for $500 in travel purchases. Earn 2 miles per $1 on all purchases except hotels.com/venture spending, which gets you 10 miles per $1. Miles never expire as long as the account is open. $5,000 minimum starting credit limit. Good credit or better required.
No annual fee. Great for pet owners looking to finance emergency medical expenses. 0% interest on new purchases and balance transfers for the first 18 months your account is open (5% balance transfer fee). No late fees or penalty rates. No rewards. $500 minimum starting credit limit. Good credit or better required.
No annual fee. Earn 1% cash back on all purchases and an additional 1% when you pay them off. Can help you recoup some of the costs of pet care. 0% interest for 18 months on balance transfers (3% balance transfer fee). $500 minimum starting credit limit. Good credit or better required.
No annual fee. 0% interest for 6 - 24 months, depending on creditworthiness. Or 14.9% APR financing for 24 - 48 months with a minimum purchase of $1,000. Or 16.9% APR for 60 months with a minimum purchase of $2500. Ideal for pet owners who prefer a credit card for healthcare purchases only. But watch out! Card has deferred interest, meaning if you don’t pay in full by the end of the intro period, you’ll owe interest at the card’s regular rate (26.99%) for each month since you charged your pet’s care. Credit limit based on creditworthiness. No rewards. Fair credit or better required.
When using a credit card for major purchases such as emergency veterinary services, set a deadline to pay off the debt and stick to it. If using a 0% interest credit card, keep an eye on when the introductory interest rate expires. If you don’t pay off the balance by then, you will be charged interest on the unpaid balance.
And be careful of “deferred interest” cards like CareCredit. If you don’t pay off the entire balance by the end of the intro term, the regular interest rate will be applied retroactive to the first billing cycle.