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While having a furry friend can be one of the greatest joys, it's also expensive. According to Rover's 2026 Cost of Pet Parenthood Report, released in June, the median lifetime cost of owning a medium-sized dog is $39,350 and $32,527 for the average cat owner.
From the same survey, pet costs are expected to increase up to 15%, partly due to rising veterinary fees and tariff-inflated prices on pet food and gear. Eighty-three percent of pet owners noticed rising prices over the past year, with 34% noting the change as significant.
Pet owners are known for going above and beyond on pet care, and while you can't stop prices from rising, you can choose how you react. For those who love spoiling their beloved pets, here are some of the top credit cards to consider.
Best credit cards for pet owners
- Best for online pet purchases: Blue Cash Everyday® Card from American Express
- Best for complimentary pet insurance: Nibbles Pet Rewards Card
- Best for flat-rate rewards: Wells Fargo Active Cash® Card
- Best for earning on vet purchases: TSC® Visa® Card
- Best for flexible categories: Citi Strata℠ Card
- Best for rotating categories: Chase Freedom Flex®
Senior reporter Jason Stauffer can answer your questions about how to make the most of your credit cards in his weekly Points Pro column. Submit yours here.
Best for online pet purchases
Who's this for? If you do most of your shopping for your pets online, the American Express Blue Cash Everyday earns 3% cash back on the first $6,000 per year in U.S. online retail purchases (then 1%). Under the Amex consumer categories, online retail purchases include pet stores like Chewy.com.
Other great perks: On top of the 3% you're earning online, you'll earn the same rate at U.S. supermarkets and gas stations, each on up to $6,000 per year in spending (then 1%). The savings at supermarkets can be a nice bonus if you feel like grabbing some pet treats along with your own food.
The Blue Cash Everyday® Card from American Express has no annual fee and bonus rewards on a wide range of common expenditures. On top of that, you also have access to an intro-APR offer for purchases and balance transfers. So this card can help you save in a variety of ways.
- Up to $264 in streaming service and meal kit credits every year (subject to auto renewal)
- High cash-back rates in popular spending categories
- No annual fee
- The best bonus cash-back categories are capped
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- See Rates & Fees
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee
2.7% of each transaction after conversion to US dollars
Best for complimentary pet insurance
Who’s this for? The Nibbles Pet Rewards Card comes with complimentary pet insurance for a qualifying pet six weeks or older. The policies cover dogs and cats, and once you hit the annual deductible of $700, 80% of all remaining and future eligible expenses will be covered, up to a maximum of $10,000 per year.
Other great perks: Nibbles is currently available in 41 states and Washington, D.C., and the pet insurance policy offered can be customized for your specific needs. The card also earns 3X rewards on pet stores, pet services and at any licensed vet (just note rewards can only be redeemed for a statement credit).
The Nibbles Rewards Credit Card is a great option for pet owners looking to save some money on insurance costs, plus you can earn elevated rewards on vet visits and pet store trips.
- Free pet insurance for one pet
- 3x rewards at pet stores, and pet services at any licensed vet
- Exclusive offers, discounts, and access to additional services
- No welcome bonus
- Rewards can only be used for statement credits
Best for flat-rate rewards
Who’s this for? The Wells Fargo Active Cash® Card doesn’t offer elevated bonus categories on pet purchases, but you’ll earn a flat 2% cash rewards on everything from new toys to vet bills.
Other great perks: The main power of this card lies in the unlimited 2% back on all purchases, but it does offer other perks like an intro APR on purchases and balance transfers and cell phone protection. If you anticipate a large, pet-related cost, the introductory period on purchases could be quite helpful.
The Wells Fargo Active Cash® Card is great if you want simplicity thanks to its flat-rate 2% unlimited cash rewards on purchases and $0 annual fee.
- High, unlimited flat-rate return on purchases
- Intro APR on purchases and qualifying balance transfers
- Lower introductory balance transfer fee
- Up to $600 of cell phone protection against damage or theft (subject to a $25 deductible)
- Charges a 3% foreign transaction fee
- Balance transfer fee increases to 5% of each transfer (minimum $5) after 120 days
- Limited redemption options unless you pair it with a Wells Fargo card that allows point transfers
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Balance Transfer Fee
3% intro for 120 days from account opening, then up to 5%, min: $5
Foreign Transaction Fee
3%
Best for earning on vet purchases
Who's this for? While it might be less conventional, the TSC® Visa® Card could be great for those making frequent trips to the vet. On top of earning 5% on all Tractor Supply Company purchases, you also earn 3% rewards on veterinary services (and grocery stores and gas stations).
Other great perks: Preferred Plus Neighbor's Club members receive 3 credits per quarter to redeem toward an available benefit, including a free pet wash. TSC Visa cardholders in good standing are automatically considered Preferred Plus Neighbors. Just be aware you should use your earned rewards quickly, as they expire 60 days from when they're awarded
The TSC® Visa® Card was designed with Tractor Supply Company customers in mind, but the card offers some more unique 3x categories that could make it more appealing to a general audience.
- No annual fee
- Offers special financing options
- Unique vet-services bonus
- Rewards are in the form of store currency
- High standard APR
- Rewards expire 60 days after they're issued
Best for flexible categories
Who’s this for? If you love your pet but wouldn’t mind a category that rewards yourself, too, the Citi Strata℠ Card is a great fit. On top of 3X points at supermarkets and at gas and EV charging stations, the card also earns 3X points on an eligible self-select category of your choice. There are five options to pick from, including pet supply stores.
Other great perks: The other self-selected categories (which you can change quarterly) are fitness clubs, select streaming services, live entertainment or cosmetic stores/barbershops/hair salons. The card also comes with a $0 annual fee, making it a lower-cost option.
The Citi Strata℠ Card is a solid rewards credit card that earns in several everyday spending categories, with no annual fee.
- No annual fee
- Customizable earnings category
- Earns transferable rewards
- Has foreign transaction fees
- Fewer built-in benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
Balance transfer fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
Best for rotating categories
Who’s this for? A card with rotating categories can be a slight gamble, but it can also bring some great value; these cards typically earn up to 5% in unique categories that other cards don’t offer. The Chase Freedom Flex® earns 5% cash back on up to $1,500 in combined purchases each time you activate the quarterly bonus (then 1%).
Other great perks: The last time the Chase Freedom Flex offered a direct pet-related category was Q4 of 2024, but that doesn’t mean the other options aren’t helpful. Other earning categories (like Amazon or grocery stores) may also offer pet supplies, or you can splurge for yourself on another category you love.
The Chase Freedom Flex® is an excellent cash-back card with generous rotating quarterly categories. In additional the rewards, you also can take advantage of the intro APRs for purchases and balance transfer for more than a year.
- Long intro APR for purchases and balance transfers
- Rewarding quarterly bonus categories
- No annual fee
- Bonus categories are capped each quarter
- Has a foreign transaction fee
Rewards
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%)
- 5% cash back on travel booked through Chase Travel℠
- 3% on drugstore purchases and on dining (including takeout and eligible delivery services)
- 1% cash back on all other purchases
Balance transfer fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3%
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