Best credit cards for pet owners

The Credit One Bank® Best Friends® Credit Card is one of the only credit cards that rewards spending at pet stores. You’ll earn an impressive 5 percent cash back on your first $5,000 in pet shop, food and supply store purchases each year (then 1 percent back). You could also earn high rates on grooming, pet boarding and adoptions if an eligible store offers these services. Although some reward cards feature retailers that carry pet supplies, it’s hard to beat this unique card’s rewards rate on specialized pet purchases. This makes the card a great choice if you get most of your pet products and services from a dedicated pet store.

The Credit One Bank® Best Friends® Credit Card is one of the only credit cards that rewards spending at pet stores. You’ll earn an impressive 5 percent cash back on your first $5,000 in pet shop, food and supply store purchases each year (then 1 percent back). You could also earn high rates on grooming, pet boarding and adoptions if an eligible store offers these services. Although some reward cards feature retailers that carry pet supplies, it’s hard to beat this unique card’s rewards rate on specialized pet purchases. This makes the card a great choice if you get most of your pet products and services from a dedicated pet store.

The Blue Cash Preferred Card® is one of the best cash back cards for pet purchases at U.S. supermarkets, as you can purchase pet food and other supplies and earn 6 percent cash back at U.S. supermarkets (up to $6,000 per year, then 1 percent). This card also has several additional categories with solid earning rates to add value to other everyday expenses. If you shop primarily for your pet at U.S. supermarkets, this is an excellent and rewarding choice.

The Blue Cash Preferred Card® is one of the best cash back cards for pet purchases at U.S. supermarkets, as you can purchase pet food and other supplies and earn 6 percent cash back at U.S. supermarkets (up to $6,000 per year, then 1 percent). This card also has several additional categories with solid earning rates to add value to other everyday expenses. If you shop primarily for your pet at U.S. supermarkets, this is an excellent and rewarding choice.

The no-annual-fee Bank of America® Customized Cash card lets you choose from a lengthy list of 3 percent cash back categories, including online shopping — ideal if you have a preferred online pet retailer. Bulk store buyers will also get value from this card’s permanent 2 percent back at grocery stores and wholesale clubs. Wholesale clubs are a rare reward category, so this could be especially helpful for bargain hunters or people with several pets. Earning rates also increase across the board if you have status in the Preferred Rewards program.

The no-annual-fee Bank of America® Customized Cash card lets you choose from a lengthy list of 3 percent cash back categories, including online shopping — ideal if you have a preferred online pet retailer. Bulk store buyers will also get value from this card’s permanent 2 percent back at grocery stores and wholesale clubs. Wholesale clubs are a rare reward category, so this could be especially helpful for bargain hunters or people with several pets. Earning rates also increase across the board if you have status in the Preferred Rewards program.

The U.S. Bank Shopper Cash Rewards® card is a solid choice if you’re a pet owner who needs to fill in gaps in your overall reward earnings and you don’t mind strategic spending. You can earn 6 percent cash back on up to $1,500 in combined eligible purchases per quarter from two retailers you choose from an extensive list. For pet expenses, you can select Chewy.com and any major discount retailer, such as Amazon, Walmart, or Target. You’ll also get 3 percent cash back on a chosen everyday category for up to $1,500 in quarterly purchases. You could select even wholesale clubs to save on pet expenses, which is a rare category.

The U.S. Bank Shopper Cash Rewards® card is a solid choice if you’re a pet owner who needs to fill in gaps in your overall reward earnings and you don’t mind strategic spending. You can earn 6 percent cash back on up to $1,500 in combined eligible purchases per quarter from two retailers you choose from an extensive list. For pet expenses, you can select Chewy.com and any major discount retailer, such as Amazon, Walmart, or Target. You’ll also get 3 percent cash back on a chosen everyday category for up to $1,500 in quarterly purchases. You could select even wholesale clubs to save on pet expenses, which is a rare category.

If you prefer just one card to handle your expenses, The Wells Fargo Active Cash® may be the best choice. It earns a solid 2 percent on all eligible purchases, meaning it can cover pet expenses that wouldn’t otherwise earn a bonus on other reward cards, like vet bills or adoption costs. The low spending requirement on the welcome offer and lengthy intro APR period also make this an ideal candidate for upfront costs. While you can do better if you shop around, you’ll always earn a reasonable baseline rate with this card.

If you prefer just one card to handle your expenses, The Wells Fargo Active Cash® may be the best choice. It earns a solid 2 percent on all eligible purchases, meaning it can cover pet expenses that wouldn’t otherwise earn a bonus on other reward cards, like vet bills or adoption costs. The low spending requirement on the welcome offer and lengthy intro APR period also make this an ideal candidate for upfront costs. While you can do better if you shop around, you’ll always earn a reasonable baseline rate with this card.