The best pet credit card to get with bad credit is the CareCredit Credit Card, which has a $0 annual fee and offers 0% deferred interest for 6-24 months on purchases. You can only use the CareCredit Card for medical expenses and pet food purchased from a vet.
If trips to the vet are not your main concern, the best pet credit card with bad credit that you can use anywhere is the Discover it Secured card. Discover it Secured gives at least 1% cash back on all purchases (2% on gas and dining at restaurants). Discover doubles the rewards you earn year one, too. That can help you save a lot on pet supplies. You will have to put up at least $200 for a security deposit, and your deposit amount will become your credit limit. But there’s no annual fee.
Best Pet Credit Cards with Bad Credit:
CareCredit card: Can only be used for medical expenses and pet food recommended by and purchases from vet. $0 annual fee. 0% deferred interest for 6-24 months on purchases. 26.99% regular APR.
Discover it Secured: $0 annual fee. Minimum $200 deposit required. 2% cash back on $1,000 spent at gas stations and restaurants per quarter and 1% back on everything else. First year’s cash back matched. 22.99% (V) APR.
OpenSky Secured Visa: $35 annual fee. Minimum $200 deposit required. 17.39% (V) APR. No credit check when you apply. Makes pet purchases more convenient if you have really bad credit and are worried about getting approved.
Capital One Secured: $0 annual fee. Minimum $200 deposit required. 26.99% (V) APR.
If you end up going for the CareCredit credit card, you should be careful of the deferred interest. The way it works is that you owe no interest during the promotional period. But if your balance isn’t 100% paid off by the end of that period, you owe all the interest you would have accrued during those months at the normal interest rate. You’re probably better off going with a good secured credit card, which you can use for both vet expenses and normal pet purchases like food and toys.
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