Purchase APR
17.74–32.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $749.70
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35
Petco Pay Mastercard
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
28.49–34.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
3%
Grace period
21 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
34.99%
720+
28.99%
Lowest offered28.49%
Median—
Highest offered34.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered35.49%
Median35.99%
Highest offered35.99%
Every fee on this card
Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$3
Balance computationOther
Additional fees
Returned Payment Fee$30
Alternative Payment Method Fee$15
Paper Statement Fee$2.99
Penalty APR$39.99
Rewards, benefits and features
Rewards
- Other rewards
Services
- Credit card registration
- Discounts on purchases of goods and services (non travel related)
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: 20% off your first purchase when you open and use your Petco Pay Mastercard Credit Card at the time of account opening at Petco only; Earn 2 Vital Care Points for every $1 spent at Petco locations and at Petco.com when you use your Petco Pay Mastercard Cr
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-855-266-0558
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 31.74%$952.20
Annual / periodic fees$0
Total yearly cost$952.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
100 documents filed by Comenity Capital Bank in the 2026 Q1 archive.
- AAA Visa Signature® credit card - Current Credit Card Agreements599 KB
- AAA Visa Signature® credit card - Current Credit Card Agreements762 KB
- AAA Visa Signature® credit card - Current Credit Card Agreements762 KB
- Academy Sports + Outdoors Credit Card - Current Credit Card Agreements366 KB
- All Pet Credit Card - Current Credit Card Agreements399 KB
- Alphaeon Credit Card - Current Credit Card Agreements843 KB
More from this issuer
Purchase APR
17.74–32.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $749.70
Purchase APR
17.74–32.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $749.70
Purchase APR
30.74–31.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $937.20