Best‌ ‌Credit‌ ‌Cards‌ ‌For‌ ‌Pet‌ ‌Owners‌ ‌


Credit cards for pet owners can be of great benefit if used appropriately. Asides from the fact that you can earn some amount using them, it also helps you to cover up in the time of emergencies.

Caring for a pet is expensive and several households in millions own a pet in the United States. The amount spent on the maintenance of pets increases from time to time in its billions and considering the benefits of having pets in the home, the cost involved is worth it.

Making use of credit cards with no interest rate or a fixed interest rate can help you to minimize these costs, making the maintenance of your pet much easier.

Credit Cards For Pet Owners With Limited Credit

You may have a limited supply of income and this makes it important for you to maximize what you have for maximum results. Here is a list of some of the credit cards for pet owners with limited credit.


H3 WellnessPlus Card

This is one of the best credit cards for pet owners with limited credit. It allows the holder to spread out the huge veterinary expenses and can also be used at specified veterinarians accepting H3 WellnessPlus.

There is no annual fee and interest can be deferred on purchases totaling up to $300 for up to 12 months.

American Kennel Club Visa

This is a credit card that offers the opportunity to earn rewards and also providing support to the American Kennel Club when purchases are made. Holders of this credit card for pet owners with limited credit have access to triple reward points for the amount spent with AKC or pet stores.

Chase Freedom Unlimited

This credit card option offers a lower cashback reward percentage and you will earn 1.5% cashback on daily purchases. Cashback has no expiration as long as you keep your account open. A bonus of $ 150 is enjoyed by new account holders on $500 spent on purchases initial three months of account opening.

You will also enjoy free credit scores-updated every week which helps you to adequately build your credit.

Emergency Pet Care Credit Cards

Where there is an emergency, you must keep your pets healthy notwithstanding the cost that may be involved and that’s why measures on how to manage the cost are put in place.

A study revealed that it cost an average of $23,410 to care for just one dog in its lifetime. This cost involves pet food, vaccinations, spay/neuter, and much more.

The plan to help relieve pet owners of this cost is here, hence you have no reason to part away with your fun baby because of the cost involved in caring for it. Some of the available credit cards to pet owners including but are not limited to the ones listed below.

WellnessPlus Card

This is issued by Comenity Bank and used for the settlement of procedures or treatments at some specified partner veterinary clinics. Some of its features include;

  • Qualified purchases have access to 6 months of deferred interest
  • Balance yet to be settled by the end of the promotional period, will attract interest due on the balance during the promotional phase along with the amount thereafter.

Chase Freedom Flex

Using the chase freedom flex, you enjoy the following privileges’;

  • You get back five percent on grocery stores amounting to $12,000 within the first year. Note, this is not including Walmart or Target purchases.
  • You also enjoy five percent on bonus and purchases categories amounting to up to $1,500 in every quarter that you activate.
  •  Zero percent intro APR for account opening on purchases for 15 months after which between 14.99% -23.74 % applies.


The purpose of this credit card tends towards having the ability to settle huge co-pays relating to pet care. It is not recommended for minor expenses and can only be used at specified veterinarians’ clinics.  

American Express Everyday

When signing up for this card, 15 months of interest financing is offered to make it convenient for you to maintain and manage the high cost required to maintain your pets over a reasonable period. Other benefits include;

  •  Ability to earn points in American Express Membership Rewards, which can be redeemed for merchandise, travel, and cash.
  • Enjoy 20% bonus points monthly when you make a minimum of twenty purchases. Twice the points on groceries and points on every other purchase made.


Final Thought

The moment you welcome a pet into your home, you have automatically signed up for unending expenses and hard work. To relieve you of this burden and also help you to enjoy the bond you will enjoy in having a feathered, scaly, or furry being as a part of your family.

Credit cards for pet owners cover all forms of budgeting both regular (grooming, food, etc) and unforeseen expenses. You can carefully select the best match for you from some of the ones listed above.  




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