USES

Petco® Pay Mastercard® Credit Card Review

Petco® Pay Mastercard® from Comenity Bank — all information about the credit card.

Updated December 18, 2023
Advertiser Disclosure Our Methodology
Comenity Bank Petco® Pay Mastercard®
Apply now
Our Rating:
3.08 out of 5
scorer
Recommended credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 2x Pals points for every $1 at Petco locations or petco.com.
    • 2x Pals points for every $3 on grocery store purchases.
    • 1x Pals point for every $3 on all other purchases.
  • Intro Offer:
    • $25 An additional $25 Pals Rewards when you spend $500 in the first 90 days of your account opening outside of Petco.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    25.74% - 34.74% Variable
  • Balance Transfer APR:
    26.99%
Show more

We recommend more cards

Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Divvy Cross River Bank
Divvy
Cross River Bank
None
Annual Fee
None
Regular APR
2x - 7x:
Points on restaurants.
Apply now
On Cross River Bank‘s site
Apply now

Comenity Bank Petco® Pay Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
2X
Petco purchases
$
2X
Groceries
$
1X
All other purchases
$
Have you already recieved the Comenity Bank intro bonus?
How would you like to redeem points?
Calculate
Show less details

All benefits

  • Points
    • 2x For every $1 at Petco locations or petco.com.
    • 2x For every $3 on grocery store purchases.
    • 1x For every $3 on all other purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 25.74% - 34.74% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 26.99%
  • APR for Cash Advances
    • 35.74% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing period. You will not be charged interest on purchases if you pay your entire balance by the due date each month. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. You will be charged interest on balance transfers and cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 5% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • Foreign Transaction Fee

Features

Classic
Mastercard
  • No Annual Fee
  • Rewards
  • Bonus points
  • Fair Credit
  • Good Credit
  • Excellent Credit

About the issuer

Comenity Bank
Comenity Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

First Progress Platinum Select Mastercard® Secured Synovus Bank
First Progress Platinum Select Mastercard® Secured Credit Card
3.5 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $39
    Annual Fee
  • 18.24%
    Regular APR
  • 1%
    Cash Back on payments made to your First Progress Secured credit card account.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site
The Owner’s Rewards Card by M1 Celtic Bank
The Owner’s Rewards Card by M1
Celtic Bank
3.91 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • $0
    Annual Fee
  • 17.99% - 27.99%
    Regular APR
  • 10%
    You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
  • None
    Purchase Intro APR
Apply now
On Celtic Bank‘s site
Unsecured
Destiny® Mastercard® First Electronic Bank
Destiny® Mastercard®
First Electronic Bank
1.47 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Electronic Bank‘s site

See Another Credit Cards in the Bank

Comenity Bank Petco® Pay Mastercard® is an option for those, who need Classic features. With an APR of 25.74% - 34.74% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Excellent (580-799) credit score. With Comenity Bank Petco® Pay Mastercard® you will get such features as No Annual Fee, Rewards, Bonus points, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
First Progress Platinum Prestige Mastercard® Secured Synovus Bank
First Progress Platinum Prestige Mastercard® Secured Credit Card
3.8 out of 5
Recommended credit score
scorer
No Credit History to Fair (0-669)
  • $49
    Annual Fee
  • 14.24%
    Regular APR
  • 1%
    Cash Back rewards on payments.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site