Petco Pay Mastercard®
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How we calculate effective rate →
The Petco Pay Mastercard® from Comenity earns up to 0.7% effective value on grocery in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Grocery
- Effective value
- 0.7%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 0.7x points.
What does the Petco Pay Mastercard earn in each category?
Grocery is the strongest category at 0.7% effective value (0.7x points at about 1 cents each). That grocery rate ranks higher than about 1% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Petco Pay Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries at.
Grocery is the strongest category at 0.7% effective value (0.7x points at about 1 cents each). That grocery rate ranks higher than about 1% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Petco Pay Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0.3x points | 0.3% |
| Grocery Supermarkets and grocery stores | 0.7x points | 0.7% Top category |
| Gas Gas stations and fuel | 0.3x points | 0.3% |
| Travel Flights, hotels, transit | 0.3x points | 0.3% |
| Other General everyday spend | 0.3x points | 0.3% |
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.
What are the Petco Pay Mastercard reward caps and conditions?
The Petco Pay Mastercard has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2 Vital Care Points on Grocery. Earn 2 Vital Care Points for every $3 spent on grocery store purchases with your Petco Pay Mastercard Credit Card
Who should get the Petco Pay Mastercard?
The Petco Pay Mastercard fits spenders who put meaningful volume in grocery and can earn 0.7x points. Best for spenders who put meaningful volume in grocery and can earn 0.7x points.
Petco Pay Mastercard fits spenders who put meaningful volume in grocery and can earn 0.7x points. Madeen ranks its grocery effective rate higher than about 1% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 0.7x points.
Foreign transaction fees make it weaker for international spend.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 0.7% effective (0.7x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Vital Care value depends on how you redeem, not straight cash back.
Does the Petco Pay Mastercard have an annual fee?
The Petco Pay Mastercard has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Petco Pay Mastercard?
The Petco Pay Mastercard includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the Petco Pay Mastercard
Where do cardholders spend most with the Petco Pay Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (0.66x) for the Petco Pay Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Petco Pay Mastercard have an annual fee?
The Petco Pay Mastercard 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 Mastercard?
Grocery is the strongest Madeen category for the Petco Pay Mastercard at about 0.7% 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 Mastercard charge foreign transaction fees?
The Petco Pay Mastercard charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Petco Pay Mastercard?
Madeen's catalog lists a typical credit range of Fair for the Petco Pay Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Petco Pay Mastercard?
Rewards on the Petco Pay Mastercard 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 does the Petco Pay Mastercard compare to similar cards?
Compare the Petco Pay Mastercard against AAA Daily Advantage Visa Signature (5% on Grocery, $0 fee); Points Power Mastercard (3% on Grocery, $0 fee); Ann Taylor Mastercard (2% on Grocery, $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 Mastercard This card | Grocery | 0.7% | $0 |
| Grocery | 5% | $0 | |
Comenity | Grocery | 3% | $0 |
Comenity | Grocery | 2% | $0 |
Comenity | Grocery | 2% | $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