Our Mission
AllPetCards.com exists to help pet owners across the United States access the best pet financing solution available — the All Pet Card, issued by Comenity Capital Bank.
We know how much you love your pets. When a health crisis, unexpected surgery, or even just routine care becomes financially challenging, you shouldn't have to compromise on the quality of care your pet receives. That's exactly why the All Pet Card exists — and why we're here to help you access it.
50,000+ Pet Owners
Approved for pet financing across all 50 US states.
5,000+ Partners
Vet clinics, groomers, boarders, and trainers in our network.
4.9/5 Rating
From 2,400+ verified customer reviews nationwide.
About Comenity Capital Bank
The All Pet Card is issued by Comenity Capital Bank, a Utah-chartered FDIC-insured bank and subsidiary of Bread Financial. With decades of experience in specialty and private-label credit products, Comenity Capital Bank is one of the most trusted issuers of purpose-specific credit cards in the United States. Your All Pet Card account is fully FDIC insured and governed by standard US consumer protection laws.
Why We Built AllPetCards.com
According to AVMA research, the average American pet owner spends over $1,500 per year on their pet's care — and that number rises significantly when emergencies strike. According to veterinary industry data, over 40% of US pet owners say they cannot afford an unexpected $1,000 vet bill without going into high-interest debt or skipping treatment entirely.
That gap between what pets need and what their owners can immediately afford is exactly the problem the All Pet Card was designed to solve. AllPetCards.com exists to make sure every US pet owner knows this option exists, understands how it works, and can access it in 60 seconds when they need it most.
What Makes All Pet Card Different
Unlike general healthcare financing cards that treat pet care as an afterthought, the All Pet Card was designed specifically for the pet care ecosystem. This means it covers not just veterinary procedures, but also grooming, boarding, and professional training — the full range of services pet owners actually pay for.
The card is issued by Comenity Capital Bank, a trusted FDIC-insured institution with decades of experience in specialty credit products. This means your account carries the full consumer protections of a federally regulated bank — something that matters when you're making important financial decisions for your family.
Our Commitment to Pet Owners
AllPetCards.com is committed to providing accurate, transparent, and helpful information about pet financing. We believe pet owners deserve to make informed financial decisions — not to be pressured or confused. All information on this site reflects our honest understanding of the All Pet Card product, and we always encourage users to read the full card agreement provided by Comenity Capital Bank before applying.
Our goal is simple: to be the most trusted resource for pet financing information in the United States — so that no pet owner ever has to say "I can't afford it" at the vet again.
Our Editorial Standards
All content on AllPetCards.com is written to help US pet owners make informed, confident financial decisions. We follow strict editorial guidelines: every factual claim is verified against authoritative sources including the American Veterinary Medical Association, ASPCA, and the Consumer Financial Protection Bureau. Financial product information is checked against Comenity Capital Bank's official terms.
We never accept payment to promote specific pet care providers or to write positive reviews. Our comparison pages — including our All Pet Card vs CareCredit comparison — are based on publicly available product information and are updated regularly. We disclose when information may have changed since publication.
The Pet Care Financing Problem We're Solving
According to AVMA research, Americans own over 90 million dogs and 94 million cats. Yet surveys consistently show that a large percentage of these pet owners would struggle to pay for an unexpected $500–$1,000 veterinary bill without going into debt. This gap — between loving your pet and being able to afford their care — is exactly the problem that pet financing products like the All Pet Card were created to address.
The consequences of unaffordable vet bills are serious: delayed treatment that worsens conditions, preventable suffering, and for some families, the devastating choice to surrender or euthanize a pet they love because they cannot afford treatment. AllPetCards.com exists to make sure that every pet owner who visits our site knows that financing options exist — and understands how to access them safely and responsibly.
The All Pet Card, issued by Comenity Capital Bank, is one of the most accessible pet financing solutions available to US pet owners today. Our goal is to help every pet owner find it — before they need it in an emergency.