Lawrence, Wallethub Credit Card Analyst
@lawrence50
The best emergency pet care credit card is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on purchases, plus $200 cash rewards after spending $500 on purchases in the first 3 months. Wells Fargo Active Cash also has an introductory APR of 0% for 12 months from account opening and a $1,000+ credit limit.
Just bear in mind that a regular APR of 18.99%, 23.99%, or 28.99% Variable will apply when the intro rate expires, and there’s a balance transfer fee of 3% intro for 120 days, then up to 5% (min $5). Also, keep in mind that you can use this card, and the others in the list below, for a lot more than pet expenses. The best cards have great features that pet owners can take advantage of but everyone else can enjoy, too.
Best Emergency Pet Care Credit Cards
Initial Bonus: $200 cash rewards after spending $500 on purchases in the first 3 months
Ongoing Rewards: 2% cash rewards on purchases
Annual Fee: $0
Credit Score: Good
Initial Bonus: $200 for spending $1,500 in the first 6 months
Ongoing Rewards: 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases), plus 5% total cash back on hotel, car rentals and attractions booked with Citi Travel
Annual Fee: $0
Credit Score: Good
Initial Bonus: $200 cash back for spending $1,500 within the first 90 days
Ongoing Rewards: 2% cash back on all purchases
Annual Fee: $0
Credit Score: Good
Initial Bonus: $200 for spending $500 on purchases in the first 3 months
Ongoing Rewards: 5% cash back on travel through Chase Travel, 3% back at restaurants and drugstores, and 1.5% back on all other purchases
Annual Fee: $0
Credit Score: Good
Initial Bonus: $100 statement credit when you spend $1,000 within the first 90 days
Ongoing Rewards: 5% cash back on grocery store purchases up to $500 earned per year (1% thereafter), 3% back on gas & electric vehicle-charging stations, wholesale clubs, streaming services, pharmacy, and AAA purchases, and 1% back on all other purchases
Annual Fee: $0
Credit Score: Good
Initial Bonus: N/A
Ongoing Rewards: 4% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
Annual Fee: $0
Credit Score: Good
The cards listed above offer useful features for pet owners, but they aren't intended solely for pet expenses. If you’re looking for an emergency pet care credit card designed specifically for that task, the CareCredit Credit Card is a good option. It’s accepted by more than 250,000 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.
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 the CareCredit Credit Card. If you don’t pay off the entire balance by the end of the intro term, the regular interest rate will be applied retroactively to your entire original balance.
Popular Credit Cards in October 2025 from Our Partners
-
Low Intro APR & Bonus Rewards
-
Everyday Cash Back
-
Building Credit
-
0% Intro APR
Victoria Price, Member
@vic_price
That Active Cash Wells Fargo card looks pretty good. I want something with rewards and 0% APR. Anything to beware of?
Daniel Wright, Member
@dwright_dev
If you need to finance pet care, go with a 0% card like Wells Fargo Reflect/U.S. Bank Shield. If you can afford the bill, go with a cash rewards card (eg Active Cash/Freedom Unlimited). Good luck!
Apple Anderson, Member
@apple_anderson
The CareCredit Credit Card is the best for pet owners. You can use it to pay for routine checks, surgery and emergencies for your pet.
@watsonjune48: I’m really sorry to hear that! Have you tried a different card?
Justine Treakle, Member
@justine_t5
The Citi Simplicity® Card is pretty good, I used it a couple of times for my iguana.
People also ask
Why was my CareCredit Credit Card application denied?
Your CareCredit Credit Card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from Synchrony Bank explaining the exact reason for the denial.
If you feel your application deserves a second look, you can call Synchrony Bank customer service at 1-866-419-4096 for further clarification.
Possible Reasons Your CareCredit Credit Card Application Was Denied
- Credit score is too low...
How can I pay my Petland Credit Card?
You can make a Petland Credit Card payment online, by phone, through the Comenity Capital mobile app, by mail or at a branch. To pay a Petland Credit Card bill online, log in to your online account and click on “Payments.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital does allow cardholders to set up automatic payments, too.
Ways to Make a Petland Credit Card Payment
- Online: Log in...
What are the best credit cards for pet owners with bad credit?
The best credit card for pet owners with bad credit is the Bank of America® Unlimited Cash Rewards Secured Credit Card. It has a $0 annual fee, works pretty much anywhere that takes credit cards, and rewards you with 1.5 - 2% cash back on purchases. That can help you save a lot on pet supplies.
Generally, choosing a secured card for your pet supplies is the best way to go if you have bad credit. Secured cards charge the lowest fees and offer the best approval...
read full answer by Tom Lipkis, WalletHub Credit Card ConsultantDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.