Petco Pay
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How we calculate effective rate →
The Petco Pay from Comenity earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the Petco Pay earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 1 cents each). The five-category effective-rate table on this page shows how Petco Pay compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 1 cents each). The five-category effective-rate table on this page shows how Petco Pay compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values Vital Care at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Petco Pay?
The Petco Pay fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
Petco Pay fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Vital Care value depends on how you redeem, not straight cash back.
Does the Petco Pay have an annual fee?
The Petco Pay has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the Petco Pay
Does the Petco Pay have an annual fee?
The Petco Pay carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Petco Pay?
Dining is the strongest Madeen category for the Petco Pay at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Petco Pay charge foreign transaction fees?
The Petco Pay does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Petco Pay?
Madeen's catalog lists a typical credit range of Fair for the Petco Pay. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Petco Pay?
Rewards on the Petco Pay post as Vital Care. Redemption value depends on how you use Vital Care (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the Petco Pay?
To maximize the Petco Pay, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the Petco Pay compare to similar cards?
Compare the Petco Pay against Forever 21 Visa (3.3% on Dining, $0 fee); Bread Rewards™ American Express (3% on Dining, $0 fee); GasBuddy™ Mastercard (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Petco Pay This card | Dining | 0% | $0 |
Comenity | Dining | 3.3% | $0 |
Comenity | Dining | 3% | $0 |
Comenity | Dining | 3% | $0 |
Comenity | Dining | 3% | $0 |
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Comenity and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Comenity. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure