Top 9 Credit Cards for Pet Expenses in 2024: A Comprehensive Guide

Pets are often considered part of the family, providing companionship, love, and joy to their owners. Just like any other family member, pets require care, attention, and sometimes expensive supplies and services. From food to grooming to veterinary visits, the costs of owning a pet can add up quickly. However, what if you could earn rewards on those pet-related expenses? That’s where credit cards come in.

Credit cards offer various rewards programs, including cash-back, miles, or redeemable points, that can help you earn benefits on your everyday purchases, including those for your pets. In this article, we will explore the best credit cards for pet expenses and how you can maximize your rewards when making purchases for your furry friends.

The 9 Best Credit Cards for Pet Expenses

Let’s take a closer look at some of the top credit cards that can help you earn rewards on pet-related purchases:

1. Chase Freedom Flex℠: This card offers 5% cash-back at quarterly bonus merchants, which can include pet supply stores. You can earn valuable Ultimate Rewards points on your pet purchases.

2. Chase Freedom Unlimited®: With this card, you can earn an extra 1.5% on all purchases, including pet supplies. It also offers 5% cash-back on travel and 3% cash-back on dining and drugstore purchases.

3. American Express® Gold Card: This card allows you to earn 4x Membership Rewards points at U.S. supermarkets, making it a great option for purchasing pet food and supplies.

4. Hilton Honors American Express Surpass® Card: Earn 6x Hilton Honors points at U.S. supermarkets, 4x points on U.S. online retail purchases, and 3x points on all other purchases, including pet-related expenses.

5. Blue Cash Everyday® Card from American Express: This card offers 3% cash-back at U.S. supermarkets and U.S. online retailers, making it a good choice for pet supplies purchased online.

6. Blue Cash Preferred® Card from American Express: With this card, you can earn 6% cash-back at U.S. supermarkets and select U.S. streaming subscriptions, making it ideal for pet-related purchases.

7. Citi Double Cash® Card: Earn 2% cash-back on all purchases, which can be redeemed for cash-back or travel rewards, including pet expenses.

8. Capital One Venture Rewards Credit Card: This card offers 2x miles on every non-bonused purchase, providing a flexible way to earn rewards on pet-related expenses.

9. Bank of America® Customized Cash Rewards Credit Card: Earn 2% cash-back at supermarkets and wholesale clubs, and 3% cash-back in a category of your choice, such as gas or online shopping, for your pet purchases.

Additional Ways To Earn More on Pet Expenses

In addition to using the right credit card, there are other ways to maximize your rewards on pet-related expenses:

1. Shop through Chase: Use the Chase shopping portal to earn additional Ultimate Rewards points on your purchases, including pet supplies.

2. Chase Offers: Check your Chase credit card account for special offers that can help you earn more cash-back or points on your pet purchases.

3. Amex Offers: American Express cardholders can access exclusive offers within their online accounts to earn extra rewards on pet-related expenses.

4. Gift Cards at Bonus Category Merchants: Purchase pet store gift cards at bonus category merchants to earn elevated rewards on your pet supplies.

5. Utilize Cash-back Websites: Use cash-back sites like Rakuten, TopCashback, and BeFrugal to stack rewards and earn even more on your pet purchases.

By utilizing these strategies and choosing the right credit card for your pet expenses, you can earn valuable rewards on your furry friends‘ needs. Whether it’s food, toys, grooming, or veterinary care, there are plenty of opportunities to earn rewards and save money while taking care of your beloved pets.