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Does Petco Accept Care Credit?

Does Petco Accept Care Credit

With over 1,500 stores in the United States, Petco is one of the leading pet retailers in the country. Petco offers inexpensive and high-quality products and services for all things pet related. It caters to the needs of all pet owners, from those with small house pets like hamsters to those with large farm animals like cows.

Moreover, it is the perfect spot for animal lovers to get their first pet.  

Petco enables its customers to pay for its products and services at its many store locations or online. To add to this, Petco has incorporated a range of payment methods that customers can utilize as long as per their convenience.

In this post, we will discuss Care Credit, one of the popular payment methods, and whether it is accepted at Petco. Care Credit assists in covering out-of-pocket medical bills for yourself and your pets. Once approved, you can use it to manage healthcare expenses that are not covered by insurance.

Does Petco Accept Care Credit?

No, Petco does not accept CareCredit as payment for pet products or grooming services in all its stores in the United States. You can, however, use your Care Credit card for your pet’s medical care. It suggests that you cannot use your Care Credit card to make in-store or online purchases of pets, pet supplies, or pet food at Petco. The only way you can use Care Credit at Petco is to pay for its in-store veterinary services.

Petco does not take Care Credit cards for most of its products because the payment option is only approved for healthcare. This is the reason Care Credit may only be used to pay for veterinary services. You cannot use it to purchase pets or any other pet products at Petco. 

In addition, Petco provides its customers with its own card, which they can use to pay for things that are not covered by Care Credit, called the Petco Pay Credit Card.

You can also use the Petco Care Card to pay for veterinary services, so it stands to reason that the company would not promote Care Credit as much as its in-house alternative.

The Petco Care credit card debt must be repaid and carries interest, just like any other credit card. The average interest rate on the Petco Care credit card is 26.99 percent, whereas the average interest rate on a regular credit card is 16.5 percent.

Petco Services that Accept Care Credit

From grooming and training to veterinary services, find out how to use your Care Credit account at Petco for your pet's needs.

Care Credit enables you to pay for out-of-pocket medical bills that may not be entirely or at all covered by primary insurance. 

Petco accepts a Care Credit card as payment for a wide range of veterinary services in most of its stores. Care Credit enables you to pay for your pet to receive medical treatment by covering the costs of both standard and urgent care services, as listed:

  1. Wellness and Illness Examination
  2. Critical Care
  3. Medication
  4. Vaccination
  5. Surgery
  6. Pest and Parasite Prevention 
  7. Neutering
  8. Spaying
  9. Microchipping
  10. Digestive Care
  11. Dental Care
  12. Dermatological Care

Petco collaborates with its store veterinarians to ensure that your pets have access to quality healthcare, but a majority of them set their own payment policies. 

Care Credit has teamed with different Vetco locations across the country, the same vet service that Petco employs. Nevertheless, before making the trip, you should check with the store to see if the vet at your local Petco takes Credit Care.

Which Other Stores Accept Care Credit?

Which Other Stores Accept Care Credit?

Pet Stores That Accept Care Credit

Most of the popular pet retailers, like Petco, do not accept CareCredit for pet products and grooming, except when it is to pay for veterinary services offered by licensed, contracted veterinarians or in-house pet hospitals.

Some pet retailers that may accept CareCredit for veterinary services are:

  • Pet Smart
  • Pet Supermarket
  • Pet Supplies Plus
  • Pet Valu
  • Petland

You should confirm that the store’s veterinary service is an authorized CareCredit provider by contacting the preferred location before visiting.

Retail Stores That Accept CareCredit For Pet Care Products

There are several retail stores that, despite not being pet retailers, sell some pet care products and accept CareCredit for these purchases.

Such stores include:

  • Duane Reade
  • Rite Aid
  • Sam’s Club
  • Walmart
  • Walgreens 

You can use the search feature on the Care Credit website to find veterinarians who accept Care Credit as payment in your area. You can see the list of available options by entering the name of a veterinary clinic and your zip code in the search tab.

A different feature on the Care Credit website allows you to enter your zip code or use your current location to locate a vet store or provider within a 5 to 75-mile radius of you.

If you try to use your CareCredit card at a retailer or provider that does not partner with CareCredit, your transaction will fail.

What Other Forms of Payment Does Petco Accept?

What Other Forms of Payment 
Does Petco Accept?

Customers can pay for their purchases at Petco using a variety of methods. These include:

  • Credit and debit cards: Petco accepts credit and debit cards, such as Visa, Discover, American Express (AMEX), and MasterCard.
  • Contactless payment:  You can either use Apple Pay or PayPal (PayPal balance or PayPal credit card) when shopping from Petco.
  • Gift cards: Customers can also pay for their purchases at Petco with Petco Gift Cards and eGift Cards.

In Summary

Petco does not accept CareCredit as payment for pet supplies or grooming services in any of its stores. A Care Credit card can only be used at Petco to pay for its in-store veterinary services, for instance, primary care, vaccination, surgery, and neutering. 

Petco offers its customers a Petco Pay Credit Card as an alternative, which they can use to pay for items and services that are not covered by Care Credit.

You can also use a credit or debit card, Apple Pay, PayPal, or a Petco Gift Card to pay for your purchases at Petco.

In tandem with Petco, other popular pet stores that accept Care Credit for veterinary services include Pet Smart, Pet Supermarket, and Petland.

Leigh Buttrey

Leigh Buttrey

Leigh Buttrey is the SEO Editor on our team. She’s responsible for making sure our articles are optimized for search engines so that they can reach the widest audience possible.

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