Tom Lipkis, WalletHub Credit Card Consultant
@cindercard
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 odds. Some of them come with rewards, too. You will have to put up at least $200 for a security deposit, though, and your deposit amount will become your credit limit.
Best Pet Credit Cards to Get with Bad Credit
Ongoing Rewards: 2% cash back on all purchases for the first year, and 1.5% cash back thereafter
Annual Fee: $0
Minimum Deposit Required: $200
Credit Score: Bad
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, and 1.5% cash back on all other purchases
Annual Fee: $0
Minimum Deposit Required: $200
Credit Score: Bad
Ongoing Rewards: 5% cash back on two categories of your choice up to $2,000 each quarter, 5% back on prepaid air, hotel and car reservations booked in the Rewards Travel Center, 2% back on your choice of one everyday category like gas stations, EV charging stations, grocery stores or restaurants (discount stores/supercenters and wholesale clubs excluded) and 1% back on all other purchases
Annual Fee: $0
Minimum Deposit Required: $300
Credit Score: Bad
Ongoing Rewards: 6% cash back in a category of your choice during the first year, then 3% cash back, 2% back at grocery stores and wholesale clubs (up to $2,500 in combined quarterly spending across the choice category, grocery stores, and wholesale clubs), and 1% cash back on all other purchases
Annual Fee: $0
Minimum Deposit Required: $200
Credit Score: Bad
Ongoing Rewards: N/A
Annual Fee: $0
Minimum Deposit Required: $300
Credit Score: Bad
Ongoing Rewards: 1% cash back on all purchases
Annual Fee: $0 - $89
Minimum Deposit Required: N/A
Credit Score: Bad
You can also check out our editors’ latest picks for the best secured credit cards and best credit cards for bad credit to weigh your options. If you need a small emergency loan, then you’ll have to compare unsecured cards for people with bad credit, which tend to be expensive.
Popular Credit Cards for Bad Credit from Our Partners
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No Deposit
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No Credit Check
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Rewards
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Partially Secured
Grace PP, Member
@gracefully_p
Do your pet a favor and work on building your credit with a secured card. You won’t get any crazy good offers until you have a decent credit score. You can pass the time by teaching your pup (or cat, or lizard or whatever) some tricks!
So you wouldn’t get a pet specific card? I just want to do what’s best for Guapo (my dog).
Michael CC, Member
@mchen_design
Same as for everyone else with bad credit: a secured card. Discover’s is good for the rewards.
Emma Rodriguez, Member
@emmarod
BofA Secured or Discover Secured. Don’t pay an annual fee.
Nicholas Torres, Member
@ntorres_gaming
I use a Nibbles Card - new card for pet owners. Gives 3% back on vet bills and includes pet insurance ($249/year). If you spend much at the vet, this can be cheaper than separate insurance. But only if you have steady income because the annual fee is high.
People also ask
What is the best emergency pet care credit card?
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 18.74%, 24.74%, or 28.74% Variable will apply when the intro rate expires, and there’s a balance transfer fee of 3% intro for 120 days from account opening, 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...
read full answer by Lawrence, Wallethub Credit Card AnalystWhat's the starting credit limit for the CareCredit card?
The CareCredit Credit Card’s starting credit limit isn’t disclosed. Each approved applicant’s credit limit will be determined based on a couple of financial factors, such as their:
- Credit score
- Income
- Existing debts
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
- ...
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