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.
- #1U.S. Bank5% 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 combined5%
- #2Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #3Hilton Honors American Express SurpassOnline onlyAmerican Express4x points on online shoppingU.S. online retail purchases2.0%4x points
- #43%
- #52%
- #62%
- #7First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #8Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #9American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #102%