Everything you get with the All Pet Card — and why it's the smart choice for pet owners across the USA.
Choose 6-month or 12-month deferred interest plans. Pay the full balance before the promo period ends and you pay zero interest — ever. Available on all qualifying pet care purchases.
The All Pet Card has absolutely no annual fee, no monthly maintenance fee, no activation fee, and no inactivity fee. Keep it in your wallet at zero cost until you need it.
Find out if you qualify in 60 seconds using a soft credit pull. Zero impact to your credit score during pre-qualify. Get your answer immediately — 24/7, any device.
Covers more than any other pet card: veterinary care, emergency surgery, grooming, boarding, daycare, professional training, and prescription medications — all in one.
Unlike installment loans that disappear after one use, your All Pet Card is a revolving credit line. Pay it down and use it again — for every pet, every year.
Issued by Comenity Capital Bank, an FDIC-insured institution with decades of specialty card experience. Your account is backed by real banking security and consumer protections.
Accepted at thousands of participating vet clinics, grooming salons, boarding facilities, and professional trainers across all 50 US states. Your local provider may already be enrolled.
Upon approval you receive a digital card number instantly. No waiting for a physical card to arrive in the mail before you can use it. Use your card the same day at any participating provider.
Dogs, cats, rabbits, birds, guinea pigs, reptiles, hamsters, ferrets — the All Pet Card covers every pet at every participating provider. One card for your entire furry, feathered, or scaly family.
The All Pet Card uses deferred interest promotional financing. This means that when you make a qualifying purchase at a participating pet care provider, you have either 6 months or 12 months to pay the full balance with no interest charged whatsoever. If you pay the complete balance before the promotional period expires, the total cost you pay is exactly what you were charged — nothing more.
This is fundamentally different from a standard credit card purchase where interest accumulates from day one. With the All Pet Card, a $2,400 emergency vet surgery becomes 12 payments of exactly $200 — with no interest, no fees, and no surprises, as long as you pay the full balance by the end of the promotional period.
Important: If any balance remains after the promotional period ends, interest is charged retroactively from the original purchase date at the standard APR. Always set up autopay for the full balance to protect yourself from this scenario.
Many specialty financing cards charge annual fees ranging from $25 to $99 per year simply to maintain the account. The All Pet Card charges absolutely zero — no annual fee, no monthly maintenance fee, no activation fee, no dormancy fee. You can get approved today, put the card in your wallet, and use it only when your pet needs care — without paying a cent until you make a purchase.
For pet owners who have financial emergencies infrequently, this is a significant advantage. The card exists in your wallet as a safety net at zero ongoing cost.
Generic healthcare financing cards are designed for human medical expenses first. Pet care is an afterthought in their network and product design. The All Pet Card was built specifically for the pet care economy — which means it covers services that other cards refuse to finance, including professional grooming, boarding facilities, daycare programs, and certified trainer sessions.
For the average American pet owner, vet bills represent only a portion of total annual pet spending. Grooming, boarding, and training collectively can add up to $1,000–$3,000 per year for many dog owners. Having a single card that covers all of these services — with the same 0% interest benefit — is a substantial financial advantage over cobbling together multiple payment methods.
Unlike installment loan products that disappear after a single use, the All Pet Card is a revolving credit line. Pay down your balance and your available credit is restored — ready for the next vet visit, grooming appointment, or boarding stay. As a long-term pet owner, this means one application gives you years of financial flexibility for your pet's care.
Over the lifetime of a dog or cat, this revolving access to 0% interest financing can represent thousands of dollars in interest savings compared to putting pet care expenses on a standard high-APR credit card.
The All Pet Card is worth it for any US pet owner who regularly spends money on pet care — which is virtually every pet owner. The card has no annual fee, so the baseline cost of keeping it in your wallet is zero. The question is simply: do the 0% interest financing benefits provide value versus paying cash or using a general-purpose credit card?
For a dog owner spending $2,000/year on vet care, grooming, and boarding, using a general credit card at 22% APR (the current US average) and carrying a $1,000 average balance would cost approximately $220/year in interest. The All Pet Card eliminates that interest entirely during promotional periods. Over 5 years of dog ownership, that's over $1,000 saved in interest charges alone.
According to the Consumer Financial Protection Bureau (CFPB), the average US credit card APR exceeded 20% in 2024. Financing pet care at 0% versus 20%+ is a substantial financial benefit — particularly for large unexpected vet bills where the difference between financing options can represent hundreds of dollars.
Some pet owners ask: why not just save cash instead? Cash savings and the All Pet Card are not mutually exclusive — financial advisors recommend having both. Your savings fund handles small to medium expenses; the All Pet Card handles large unexpected bills that would otherwise drain your savings entirely. A $5,000 emergency surgery shouldn't wipe out your emergency fund. The All Pet Card lets you preserve your savings while spreading the cost over 12 interest-free months.
For more on using the All Pet Card strategically, read our guide on how to save money on pet care and our complete veterinary financing guide.