Comenity
Petco Pay (Store Card)
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Card review
Petco Pay (Store Card)
Comenity
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
Run calculator
Credit score
Varies
Top earn rate
8x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Petco Pay (Store Card) from Comenity carries no annual fee. Use the calculators below to model rewards, credits, and net value on your own spending.
How the points work
Earn 5% back for being a Pals Reward member without the card.
Earn and additional 3% in Pals Rewards by using your card at participating Petcos.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elsePetco | 8× |
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.