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10 cards ranked

Best credit card to use at Petco.

Online Shopping

Petco is one of the two large U.S. pet specialty retailers (alongside PetSmart), with about 1,500 stores plus in-store grooming and veterinary services. In-store charges code as pet store / specialty retail on most cards (some classify as groceries for food-only baskets); petco.com codes as online shopping. The Vital Care Premier membership ($24.99/mo) credits back monthly spend at Petco. Pair with a flat-rate cashback or online-shopping-bonus card for petco.com orders.

Picks without a tag earn at Petco both in-store and online. Watch for theOnline onlytag — those bonuses only apply on petco.com.

  1. #1
    U.S. Bank Cash+ Visa SignatureOnline onlyif you select it
    U.S. Bank
    5% on online shopping if you select it as a bonus category (up to $2,000/quarter, then 1%)
    Choose 2 categories each quarter, up to $2,000 combined
    5%
  2. #2
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  3. #3
    American Express
    4x points on online shopping
    U.S. online retail purchases
    2.0%4x points
  4. #4
    Robinhood
    3% flat-rate cashback
    3%
  5. #5
    American Express
    2% flat-rate cashback
    2%
  6. #6
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  7. #7
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  8. #8
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  9. #9
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  10. #10
    U.S. Bank
    2% flat-rate cashback
    2%