Petland Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The Petland Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The Petland Credit Card is a good credit card to get if you frequently make purchases from Petland and you have a credit score of 640 or higher. The card is worth owning because you can get bonus points on every purchase, and you won’t have to pay an annual fee. Info about the Petland Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.0/5
79 reviewsRead and write reviews
Editor’s Review
3.1/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
2.4
Cost
3.3
Other Features
0.0
3.1/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
35.99%
Balance Transfer
Balance Transfers Not Allowed
Rewards
Earn 1 point per $1 spent on all purchases. Get a $5 Rewards certificate for every 100 points earned.
The Petland Credit Card is a good credit card to get if you frequently make purchases from Petland and you have a credit score of 640 or higher. The card is worth owning because you can get bonus points on every purchase, and you won’t have to pay an annual fee.
For this card to continue to be worthwhile over time, you must pay the full balance listed on your account statement by the due date every month. This will prevent interest from accruing, which is essential considering how high the Petland Credit Card’s interest rate is.
If you’re not sure whether your credit score is high enough to qualify for this card, you can check your latest score for free right here on WalletHub. You can also check out our picks for the best pet store credit cards if you’re interested in alternatives.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.1
User Reviews
3.0
Market Comparison
3.1
fees: 5.0
rewards: 2.4
cost: 3.3
Other Features: 0.0
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.9
User Reviews
3.3
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.6
Market Comparison
3.5
fees: 5.0
rewards: 3.0
cost: 3.6
Other Features: 0.0
(79)
(240)
(1,071)
annual fee$0
annual fee$0
annual fee$0
rewards rate 1 point / $1
rewards rate 2% Cash Rewards
rewards rate 1 - 5% Cash Back
bonus offerNone
bonus offer $200 Cash Rewards
bonus offerNone
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months from account opening
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 12 months from account opening on qualifying balance transfers|Transfer Fee:3% intro for 120 days from account opening, then up to 5% (min $5)
Can't find what you are looking for? Submit your question about Petland Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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 to your online account and click on “Payments.”
By phone: Call 1 (866) 499-4761 and enter your card information when prompted.
Through the mobile app: Log in to your account and select your card, then tap the payment button.
By mail: Send a check or money order (but not cash) to
PO Box 790408 ST Louis, MO 63179-0408
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Petland Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
The credit score you need for the Petland Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Petland Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent...
The starting credit limit for the Petland Credit Card is usually around $500 to start, according to customer service. The issuer does not include any specific credit limit information in the card's terms, though.
For the most part, Petland Credit Card credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
Yes, the Petland Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
There is no way to pre-qualify for the Petland Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people's scores bounce back within 3-6 months with responsible credit management, but it can take...
The Petland Credit Card will likely use Experian to assess your creditworthiness when you apply, though it uses other bureaus on occasion. So, if any of your credit reports are frozen, you should unfreeze them before applying for the card.
Key Things to Know
When you apply, Comenity Bank will perform a hard inquiry on your credit report, which might temporarily reduce your credit score by up to 5 points.
You cannot use your Petland Credit Card instantly after approval. You must wait for it to arrive in the mail, because you'll need the account number in order to make purchases with it. The card also needs to be activated before it can be used.
It can take anywhere between a few minutes and 10 business days to get approved for the Petland Credit Card. If you don't get a decision immediately after applying, it could just mean that your application is being reviewed in more detail.
If it's been longer than 10 business days and you still haven't received a response, you can check on the status of your application by calling the card's customer service at (866) 499-4761.
The Petland Credit Card may offer 0% APR promotions on Petland purchases. It's important to pay off the entire balance before the promotional rate expires, though. That's because in some cases the regular APR might apply retroactively from the purchase date if any balance remains after the 0% APR period ends. This is called deferred interest, and it can be quite costly.
Keep in mind that even though you don't pay interest during Petland Credit Card 0% APR periods,...
Share your insights and review for the Petland Credit Card
5
20%
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25%
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29%
2.9
79 reviews
79 reviews
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zelemkhan islamov @zaytiggy727
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1 Star Rating
Verified Customer
I wasn't informed that I would be charged a 35 percent interest fee, nor was I told I was applying for this credit card. Everything was rushed when I was buying the dog. They put me on two different payments: this credit card and another payment plan, both of which have very high-interest rates. Now I'm stuck paying this off, which is absurdly high for the price of the dog. I feel scammed, to be honest. Now I have to pay all this money.
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1
0
Isael Martinez @martinezisael5
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1 Star Rating
"If I could give zero stars, I would... This company is a scam. No one is knowledgeable enough to understand and communicate situations. Do not get the card; the credit team is ineffective at addressing any concerns, and you will be charged additional interest even after completing the payments. They lack structure, and I regret the day I walked into one of these locations."
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1
0
Caleb Brooks @Hesafamilyguy
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1 Star Rating
This credit card will screw you over any way they can. Paid off balance but because it took the bank time to process they still charged the full amount of interest for the entire balance. Customer service of course was no help.
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0
miguelv_23 @miguelv_23
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1 Star Rating
Verified Customer
Please if you read this do not buy any dog from pet land they over charge customer you can get a dog on line for half of price, unfortunately I buy my dog from pet land because I tough it was a loan but is not. is a credit car with high interest rates, the bank never answer the phone is like no one is working at the bank
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2
0
Jerry De Leon @jerrydeleon
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1 Star Rating
Verified Customer
Last week I called 4 times for the customer service, requesting assistance with my account. Unfortunately none of the four geniuses were helpful. Demonstrated the lack of knowledge, professionalism, communications skills are poor, lack of respect. I requested to talk with a manager, and guess what? He knew as much as the subordinates, WOW!! Can’t wait to finish paying the card off this month and close the account. Just thanks for nothing. I’m marking one star, when in reality they don’t deserve one. Again thanks for nothing. I will never again will contact their reckless phone number.
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2
0
Connie @connief_24
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1 Star Rating
Verified Customer
Worst company ever. I returned my purchase and they refused to refund me, even though it's in the contract. Had to get lawyers involved.
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2
0
Michael @mikeyscott768
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5 Star Rating
Verified Customer
Have nothin to say beside use the card when my daughter needs something or I use it for gas as well maybe sometimes mom would need gas to!!
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0
3
Alicia @woodsonsr
How do you use it for gas when you can only use it at pet land stores? (Purchase dogs and other pet land purchases).
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0
0
Spencer Allen @Scottiejibz
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1 Star Rating
If I could put 0 stars I'd do it! Stay away from the Petland Credit card aka Comenity Bank. They are out to bleed you dry and steal all of your money.
Their payment due dates have a 6pm EST requirement. And their interest rates are absurd!
Their customer support is by far the worst I've ever experienced. It's like Comenity Bank is encouraging employees to be douche bags during their new hire training process.
Don't do business with them! It's not worth it!
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1
0
Kristin Jacobs @kmarco6
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1 Star Rating
I have had the WORST experience with petland credit card services. The interest they charge is the absolute worst. They gave no help when it came to the world wide pandemic. Then when I call to ask what the payoff value is and I pay that exact amount, I receive a statement the following month stating I still owe more money. I call to figure out why and they tell me it was a late fee of $29 and an interest charge of $109. THAT IS OUTRAGEOUS. Wait.. It gets even better. My payments are due on the 7th of the month and apparently it has to be before 6pm. WHAT THE HECK. So of course I was charged $29 late fee for paying 1 hour late... THEN INTEREST ON TOP OF THAT!!! This company is terrible, I feel bad for anyone who finances with them. I will never ever finance with them again. They were unable to resolve any of my issues. They were not willing to assist me in any way and this is all after I paid them over $2000 just in INTEREST!
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1
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Eddie Santiago @Eddie_Santiago7
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1 Star Rating
This is the absolute worst company to deal with. Completely awful. We are going through a pandemic crisis, moving across country, I had every intention of paying the balance in full before the APR purchase promo expired, I called because I missed the APR promo purchase deadline figuring that during the pandemic the company can work with me and just take the full amount that I am willing to pay but they denied the request and insistent and charging me over 600 in interest charges when I wanted to pay the balance off in full and they still continue to smash my credit. Thanks for all you do in smashing my credit as I was willing to pay you off completely...
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