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Last Updated: 07/28/2025

Petco Pay Mastercard Credit Card

from Comenity Bank

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Petco Pay Mastercard Credit Card logo
Strongly not recommended5 total votes
1 users recommend
4 users don't recommend

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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

5

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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

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.

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?

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.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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
(877) 738-6742
Visit Site

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

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -60, or 1.8 on a 5-point rating scale.

-60

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Petco Pay Mastercard Credit Card Community Reviews

Would you recommend Petco Pay Mastercard Credit Card to your friends?

Mr. Nerve D. avatar image

Mr. Nerve D.

Sep 17, 2023

May or may not recommend

The card is owned by Comenity Bank… they are the problem. You can’t pay on the Petco card… on the Petco app, which is completely counterintuitive. Good luck paying on the Comenity Bank site though. You make an account, but it won’t let you log in. It will say your credentials aren’t valid, when they are. You’ll then spend an unknown amount of time talking to customer support to get ...Show More

U

Anonymous

May 11, 2023

May or may not recommend

I've got no complaints so far. No issues for me. Just your typical credit card that offers points when making purchases. And I like that we can put our pet's picture on the card, which makes it more personalized.

CC

Chih-kang C.

Apr 10, 2023

May or may not recommend

The "Earn 20% off your first purchase" didn't work. I was approved a $1500 temporary credit, and successfully added and verified the card in the virtual wallet. However, the transaction of $609 was denied. I later tried smaller transactions of $480 and $80, but neither worked. I called the bank and they said that due to security reasons, they could not approve my transaction until the physical card arrived. SCAM!!!!

DK

Deborah K.

Nov 11, 2022

May or may not recommend

I was double charged (same day same amount) & have called 3 times to get one of the charges taken off. It's been a run-around nightmare & the charge is still there a month later.

UA

Upset A.

Sep 25, 2022

May or may not recommend

So-called rewards card without rewards. First, had to fight to get my points from a large purchase. Second, Petco changed their points multiplier after I got this card, making card purchases that much greater before getting any rewards (and eliminated a birthday surprise, which I never got anyway even though I was a cardholder before they supposedly changed that perk). Third, credit card bank's website updated in mid June; it's ...Show More

Showing 5 of 5 reviews

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