Last Updated: 07/28/2025
SuperMoney User Recommendation Score -60
Strongly not recommended5 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Fee-Based Product)
N/A
Balance Transfer APR (Fee-Based Product)
N/A
Credit Score Range
300 - 850
Annual Fee
$0
Number of Reviews
Petco Pay Mastercard Credit Card Review
This is a store rewards card issued by Comenity Bank. If you're wondering whether Petco Pay Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $25.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- $0 intro annual fee for the first year. Petco Pay Mastercard Credit Card gives you the chance to have the card for a year without paying the $0 annual fee.
- Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, price protection, purchase security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Petco Pay Mastercard Credit Card
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Petco Pay Mastercard Credit Card FAQ
Does Petco Pay Mastercard Credit Card have a cash back or rewards program?
Petco Pay Mastercard Credit Card is a rewards card.
| Description |
Does Petco Pay Mastercard Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $25 .
Does Petco Pay Mastercard Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Petco Pay Mastercard Credit Card benefits?
Petco Pay Mastercard Credit Card provides the following benefits:
- Zero fraud liability
- Price Protection
- Reports to major credit bureaus
What are the relevant APRs for Petco Pay Mastercard Credit Card?
Petco Pay Mastercard Credit Card does not offer balance transfers.Does Petco Pay Mastercard Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Petco Pay Mastercard Credit Card does not offer balance transfers.Does Petco Pay Mastercard Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Petco Pay Mastercard Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for Petco Pay Mastercard Credit Card?
The customer service number for Petco Pay Mastercard Credit Card is (185) 579-69632.
What is the support contact email for Petco Pay Mastercard Credit Card?
The support contact email for Petco Pay Mastercard Credit Card is customerrelations@petco.com.
What is the login page for Petco Pay Mastercard Credit Card?
You can access the login page of Petco Pay Mastercard Credit Card here.
How do people rate the customer service and user experience of Petco Pay Mastercard Credit Card?
Overall, Petco Pay Mastercard Credit Card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Petco Pay Mastercard Credit Card report your account activity to credit bureaus?
Yes, Petco Pay Mastercard Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Comenity Bank perform a hard credit pull?
Yes, Petco Pay Mastercard Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Petco Pay Mastercard Credit Card
- Visit the website of Petco Pay Mastercard Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020
Hours of Operation
Sunday
9:00AM - 5:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
9:00AM - 5:00PM