WalletHubNo membership feesHigh rewards rate20% discount initial rewards bonusNo foreign feeHigh regular APRPetco Pay Store Card
Petco Pay Store Card
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
35.99%
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get 20% off your first purchase when you open and use your card on the same day and in the same location of account opening.
Earn 2 points per $1 spent at Petco or Petco.com.
Petco Pay Store Card's Additional Info
Special financing available for in-store purchases.
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | $0 |
| smart chip | No |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | 39.99% (V) |
| grace period | 21 days |
Petco Pay Store Card Pros & Cons
No membership fees
High rewards rate
20% discount initial rewards bonus
No foreign fee
High regular APR
Compare The Petco Pay Store Card vs. Popular Alternatives
annual fee$0 | annual fee$0 | annual fee$39 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR35.99% | Regular APR29.49% (V) | Regular APR35.99% |
Sponsored Apply Now | Sponsored Apply Now |
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Offer last updated: Oct 1st, 2025 at 10:21 ET
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