Best credit cards for pet expenses

If you had a furry friend, you’d probably do anything for them – including buying things like snacks and comfy beds in addition to their necessary food and vet expenses. .

And if so, you’re not alone. research estimates that dog and cat owners spend an average of more than $900 and $1,400 respectively on pet expenses each year.

It breaks our hearts to see people earn just one point for every dollar spent on their pets. So below, we’re sharing our favorite strategies and credit cards for earning bonus points on pet purchases.


Best credit cards for pet expenses

Credit card to accumulate reward points at the supermarket

If you have a credit card to accumulate reward points at the supermarketlike American Express® Gold Card, your best bet is to buy essentials like food and snacks where you buy groceries. And if you have a card with alternating categories such as Chase Freedom Flex℠you can get your pet basics from the store that earns bonus categories in most quarters such as supermarket, Amazon or Target.

However, many pet expenses don’t fit into the card bonus category, so you’ll want to use a card with a solid bonus. fixed rate of income for other things like vet expenses, boarding, and grooming.

Capital One Venture Rewards Credit Card


Welcome Bonus: Earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months of account opening. TPG . value this bonus is at $1,388.

Annual fee: $95.

Why we like it: With this card you will earn unlimited 2 miles per dollar per purchase. And Capital One mile is easy to redeem, as you can apply your mileage to travel purchases on your card. This way, you’re prepared for your next trip as you use this card to pay for your pet’s annual vaccines and double-miles on your purchases. .

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For more details, check out our Full review of the Adventure Rewards card.

Register here: Capital One Venture Rewards Credit Card

Chasing Freedom Unlimited®


Welcome Bonus: Earn 1.5% more on all purchases up to $20,000 spent in the first year.

Annual fee: $0.

Why we like it: Freedom Unlimited earns 5 points for every dollar on Pursuit of travel3 points for every dollar on have dinner and pharmacy purchases and 1.5 points per dollar on all other purchases.

This monetization structure alone sets it apart from cards that only earn 1 point for every dollar you buy your pet, but it really shines if you also have Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. If you do, you can transfer your points into that account and redeem the full range Chase’s Travel Partner.

For more details, check out our Full review of Freedom Unlimited.

Register here: Chasing Freedom Unlimited®

Citi® Double Cash Card


Welcome Bonus: Not available.

Annual fee: $0.

Why we like it: Double Cash Earn 2% refunds on all purchases (1% when you buy and 1% when you check out), so you’ll earn solid cash back on all your pet spending without having to worry about where you are shopping.

For more details, check out our Citi Double Cash full review.

Register here: Citi® Double Cash Card

Other ways to save on pet costs

seller’s offer

Chase and American Express regularly have merchant supply save you money when buying your pet. Make sure to regularly check the offers on all your cards and add any that you think you might be able to use. Then, use a card with the offer and shop where you can earn back before the offer expires.


We recommend using notes on your phone to keep track of which card offers are on, so you can easily refer to them when you’re ready to purchase.

Gift card

If you have a credit card to earn rewards when shopping at grocery or office supply stores, check out the gift cards available at stores around you.


You can buy gift cards for pet stores or places like Target or AmazonUse them to buy essentials for your pet and earn bonus points for those purchases.

shopping portal

Always check your favorites shopping portal For shops, you can buy items for your pet to earn more points with your purchase.

bottom line

Whether you’re keeping your pet while on vacation or just stocking up on essentials, make sure you’re using one of the best credit cards for pet expenses. Our favorite strategies will ensure you’re maximizing the points you earn from all the things that help your four-legged friend have the best life.


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