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 a $0 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 - No Late Fees Ever. It’s not the best emergency pet care credit card because its best feature – 0% for 18 months intro APR for purchases and 0% for 18 months for balance transfers – doesn’t last forever and thus requires a bit of advance notice. The Capital One Venture Rewards Credit Card is a contender, too, allowing you to earn 50,000 miles 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 Credit Card comes with a range of payment plans, from 0% interest for up to 24 months, to 17.9% 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:
$95 annual fee. You get an initial bonus of 100,000 miles when you spend $20,000 within the first 12 months or 50,000 miles for spending $3,000 within 3 months from account opening. That’s easy to earn with how expensive veterinarian bills are. 50,000 bonus miles redeemable for $500 in travel purchases. Earn 2 miles per $1 on all purchases except those made through Capital One Travel, which gets you 5 miles per $1. Miles never expire as long as the account is open. $5,000 minimum starting credit limit. Good or excellent credit required.
$0 annual fee. Great for pet owners looking to finance emergency medical expenses. 0% for 18 months intro APR for purchases and 0% for 18 months for balance transfers - 3% (min $5) balance transfer fee. No late fees or penalty rates. No rewards. $500 minimum starting credit limit. Good credit required.
$0 annual fee. Earn 2% cash back on all purchases. Can help you recoup some of the costs of pet care. 0% interest for 18 months on balance transfers - 3% (min $5) balance transfer fee. $500 minimum starting credit limit. Good credit required.
Annual fee: None. 0% interest for 6 - 24 months, depending on creditworthiness. Alternatively, 14.9% APR financing for 24 months, 15.9% APR financing for 48 months, or 17.9% 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, good or excellent credit 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 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.