As a pet owner, you know that caring for your furry friend can be quite expensive. From food and toys to vet visits and grooming, the costs can add up quickly. One way to ease the burden is by using the right credit card to earn rewards and cashback on your pet-related expenses. In this article, we're going through some of the best credit cards for pet owners so you can maximize your rewards and make caring for your pet more affordable without compromising their quality of life.
Best Credit Cards For Pet Owners Table of Contents
1. Chase Freedom Flex
Key Features:
- 5% cash back on rotating quarterly categories (up to $1,500 in combined purchases)
- 5% cash back on travel purchased through Chase's portal
- 3% cash back on dining and drugstore purchases
- 1% cash back on all other purchases
- $200 bonus after spending $500 within the first 3 months
- No annual fee
With the Chase Freedom Flex, pet owners can benefit from the rotating quarterly categories where they can earn 5% cashback. Examples of categories include pet stores and warehouse clubs, which often sell pet products. Additionally, the 3% cashback on drugstore purchases could cover expenses like pet medications.
2. American Express Blue Cash Preferred
Key Features:
- 6% cash back on U.S. supermarket purchases (up to $6,000 per year, then 1% after)
- 6% cash back on select U.S. streaming subscriptions
- 3% cash back on U.S. gas stations and transit
- 1% cash back on other purchases
- $300 statement credit after spending $3,000 within the first 6 months
- $95 annual fee (waived for the first year)
Pet owners who purchase pet food and supplies at supermarkets can take advantage of the 6% cashback on U.S. supermarket purchases. Additionally, the 3% cashback on gas stations can be useful if you frequent pet-friendly locations that require a drive.
3. Discover it Cash Back
Key Features:
- 5% cash back on rotating quarterly categories (up to $1,500 in combined purchases)
- 1% cash back on all other purchases
- No annual fee
- Cashback Match: Discover will match your cashback earned at the end of your first year
The Discover it Cash Back shares the same rotating category benefits as the Chase Freedom Flex, with pet owners potentially enjoying the 5% cash back on pet-related expenses during specific quarters. Plus, the Cashback Match at the end of your first year doubles your rewards.
4. Citi Double Cash Card
Key Features:
- 2% cash back on all purchases (1% when you buy, plus 1% when you pay your bill)
- No annual fee
For pet owners who prefer an uncomplicated rewards structure, the Citi Double Cash Card offers a simple 2% cash back on all purchases, including pet expenses. Plus, with no annual fee, you can keep more of your rewards for yourself.
Best Credit Cards For Pet Owners Example:
Suppose you have the Discover it Cash Back card and one of the quarterly categories includes pet stores. You can earn 5% cash back on your purchases at pet stores, such as:
- $100 on food and treats: $5 cash back
- $50 on toys and accessories: $2.50 cash back
- $200 on a new crate and bed: $10 cash back
In this example, you'd earn a total of $17.50 in cash back rewards during this specific quarter. Don't forget that Discover will also match your cashback earned at the end of your first year, doubling your rewards.
As a pet owner, every bit of savings helps. Choosing the right credit card for your pet-related expenses can make a huge difference in the long run. The Flik Eco team is here to help you make informed decisions as you continue your personal finance journey. Don't forget to share this article with fellow pet owners and explore other guides on our website. Happy savings!
