Petco Credit Card Login: Petco credit card is a credit card issued by Comenity Bank that offers rewards for purchases made at Petco stores and petco.com. The card has no annual fee and earns 8% back in Pals Rewards on purchases made at Petco. Pals Rewards can be redeemed for merchandise, services, and experiences at Petco.
Petco Credit Card Login
Here are the steps on how to login to your Petco Credit Card account:
- Go to the Petco Credit Card website: https://d.comenity.net/petcopaymastercard
- Click on the “Sign In” button in the top right corner of the page.
- Enter your 16-digit credit card number and your zip code.
- Click on the “Sign In” button.
- Enter your password and click on the “Sign In” button again.
If you have forgotten your password, you can click on the “Forgot Password?” link. You will be asked to enter your email address and click on the “Submit” button. You will receive an email with a link to reset your password.
Once you have logged in to your account, you will be able to view your account balance, recent transactions, and make payments. You can also update your account information, such as your address and phone number.
Here are some additional tips for logging in to your Petco Credit Card account:
- Make sure that you are using a secure internet connection.
- Do not enter your password into any other website.
- If you are using a public computer, be sure to clear your browsing history after you have logged out of your account.
If you have any problems logging in to your account, you can contact Comenity Capital Bank at 1-877-751-1607.
Petco Credit Card Benefits
The Petco Credit Card offers a number of benefits, including:
- 20% off your first purchase when you open and use your Petco Pay card the same day you open an account.
- 2 Vital Care points for every $1 spent at Petco locations and at Petco.com.
- Special financing options available.
- Personalized your card by adding a photo of your pet—for free!
- When you make a purchase with your Petco Pay Credit Card, we’ll donate to help save animal lives.
- Extended Vital Care Rewards Points balance for 1 year for Petco Credit Cardholders.
- No annual fee.
The Petco Credit Card is a good option for pet owners who shop at Petco frequently. The card offers a number of rewards, including 2 Vital Care points for every $1 spent at Petco locations and at Petco.com. Vital Care points can be redeemed for merchandise, services, and experiences at Petco. The card also offers a number of other benefits, such as a 20% off your first purchase and special financing options.
Here is a more detailed look at the benefits of the Petco Credit Card:
- 20% off your first purchase
The Petco Credit Card offers a 20% discount on your first purchase when you open the account and use the card at Petco. This is a great way to save money on your first purchase of pet supplies.
- 2 Vital Care points for every $1 spent at Petco
The Petco Credit Card earns you 2 Vital Care points for every $1 you spend at Petco. Vital Care points can be redeemed for merchandise, services, and experiences at Petco. You can also use Vital Care points to save money on future purchases.
- Special financing options available
The Petco Credit Card offers special financing options on select purchases. This can help you save money on large purchases, such as pet furniture or pet insurance.
- Personalized your card by adding a photo of your pet—for free!
The Petco Credit Card allows you to personalize your card by adding a photo of your pet. This is a great way to show your love for your pet and make your card unique.
- When you make a purchase with your Petco Pay Credit Card, we’ll donate to help save animal lives
The Petco Credit Card donates a portion of each purchase to help save animal lives. This is a great way to give back to the community and help animals in need.
- Extended Vital Care Rewards Points balance for 1 year for Petco Credit Cardholders
Petco Credit Cardholders receive an extended Vital Care Rewards Points balance for 1 year. This means that your points will not expire for 1 year after you earn them. This gives you more time to redeem your points for the things you want.
- No annual fee
The Petco Credit Card has no annual fee. This means that you can enjoy all of the benefits of the card without having to pay a yearly fee.
Overall, the Petco Credit Card is a good option for pet owners who shop at Petco frequently. The card offers a number of rewards, including 2 Vital Care points for every $1 spent at Petco locations and at Petco.com. Vital Care points can be redeemed for merchandise, services, and experiences at Petco. The card also offers a number of other benefits, such as a 20% off your first purchase and special financing options.
Petco Credit Card Customer Service
Here are the ways to contact Petco credit card customer service:
- Phone: 1-877-751-1607 (TDD/TTY: 1-888-819-1918)
- Email: customerrelations@petco
- Chat: Available 24/7 on the Petco credit card website
- Social media: You can also contact customer service through Petco’s social media channels, such as Twitter and Facebook.
Customer service hours are Monday – Saturday: 8 a.m. – 9 p.m. Live Customer Care hours may vary on holidays.
Here are some of the things you can do when you contact customer service:
- Report a lost or stolen card
- Make a payment
How To Apply For Petco Credit Card
There are two ways to apply for a Petco credit card:
- In-store: You can apply for a Petco credit card at any Petco store. Simply bring your ID and proof of income to the checkout counter and ask a cashier to help you apply.
- Online: You can also apply for a Petco credit card online. Go to the Petco website and click on the “Apply for a Credit Card” link. You will need to provide some basic information, such as your name, address, and Social Security number. You will also need to answer a few questions about your credit history.
Once you have submitted your application, you will receive a decision within a few minutes. If you are approved, you will receive your credit card in the mail within 7-10 business days.
Here are some of the benefits of having a Petco credit card:
- 20% off your first purchase: When you open and use your Petco credit card for the first time, you will receive 20% off your purchase.
- 5% back in rewards: You will earn 5% back in rewards on all Petco purchases.
- No annual fee: There is no annual fee for the Petco credit card.
- Petco donation: Petco will donate 25 cents to the Petco Foundation for every purchase you make with your credit card.
If you are a pet owner, the Petco credit card is a great way to save money on your pet supplies. With its 20% off welcome bonus, 5% back in rewards, and no annual fee, the Petco credit card can help you save money on all of your pet needs.
Here are some of the requirements for applying for a Petco credit card:
- Must be a US citizen or permanent resident
- Must be at least 18 years old
- Must have a valid Social Security number
- Must have a good credit history
If you are not sure if you qualify for a Petco credit card, you can use the company’s pre-qualification tool to see if you are likely to be approved.
Petco Credit Card Pros and Cons
The Petco Credit Card is a good option for pet owners who shop at Petco frequently. It offers 8% back in Pals Rewards on all purchases at Petco, plus 2% back on groceries. The card also has a welcome bonus of 20% off your first purchase and a $25 Pals Reward for meeting minimum spending requirements.
Here are some of the pros and cons of the Petco Credit Card:
Pros:
- 8% back in Pals Rewards on all purchases at Petco
- 2% back on groceries
- Welcome bonus of 20% off your first purchase and a $25 Pals Reward
- No annual fee
- No foreign transaction fees
- Purchase protection
- Extended warranty
- Identity theft protection
Cons:
- High APR
- Closed-loop card (can only be used at Petco)
- Rewards can only be redeemed for use at Petco
- Rewards expire quickly
- Special financing can involve deferred-interest financing
Overall, the Petco Credit Card is a good option for pet owners who shop at Petco frequently. However, it is important to consider the high APR and the fact that the rewards can only be redeemed for use at Petco before applying for the card.
Here are some other credit cards that may be a good option for pet owners:
- PetSmart Visa
- Pet Supplies Plus Credit Card
- American Express® Gold Card
- Chase Sapphire Preferred® Card
- Capital One Venture Rewards® Credit Card
These cards offer a variety of rewards and benefits, so it is important to compare them to find the one that is right for you.
What Credit Score Do You Need For Petco Credit Card?
There is no specific credit score needed for the Petco Pay Credit Card. However, according to NerdWallet, the average credit score of approved applicants is 720. The credit score you need will depend on a number of factors, including your income, debt, and payment history. If you have a good credit score, you’re more likely to be approved for the card and receive a lower interest rate.
Here are some of the factors that lenders consider when you apply for a credit card:
- Credit score: Your credit score is a number that lenders use to assess your creditworthiness. A higher credit score indicates that you’re a good risk and more likely to repay your debts.
- Income: Lenders want to make sure that you can afford to make your monthly payments. They’ll look at your income and debt-to-income ratio (DTI) to determine this.
- Payment history: Lenders want to see that you’ve made your payments on time in the past. A good payment history is a sign that you’re responsible with your credit.
- Length of credit history: Lenders also look at the length of your credit history. A longer credit history shows that you’ve been able to manage credit for a longer period of time.
- New credit: Lenders may be hesitant to approve you for a credit card if you’ve recently applied for a lot of new credit. This could indicate that you’re struggling to manage your debt.
If you’re not sure what your credit score is, you can get a free copy of your credit report from AnnualCreditReport.com once a year. This will give you a good idea of where you stand and what you need to do to improve your credit score.
Once you know your credit score, you can start shopping for a credit card that’s right for you. Be sure to compare interest rates, fees, and rewards programs before you choose a card.
Conclusion
The Petco credit card is a good option for pet owners who shop at Petco regularly. The card offers 5% cash back on Petco purchases, as well as 2% cash back on pet-related purchases at other stores and restaurants. The card also has a welcome bonus of $100 after you spend $300 in the first 3 months.
However, the Petco credit card does have some drawbacks. The interest rate is high, at 26.99% APR. And the annual fee is $99. So, if you don’t plan to use the card for a lot of Petco purchases, or if you have a good credit score and can qualify for a card with a lower interest rate, you may want to consider a different option.
Overall, the Petco credit card is a good option for pet owners who shop at Petco regularly and are looking for a card that offers cash back on their pet-related purchases. However, the high interest rate and annual fee may make it a less attractive option for some people.