The All Pet Card gives you 0% interest financing for 6–12 months on vet visits, grooming, boarding, and training. No annual fee. No stress.
Free · No Credit Score Impact
Issued by Comenity Capital Bank · Subject to credit approval
From application to approval — it takes less time than a vet waiting room.
Visit allpetcards.com and enter basic info. No hard credit pull — your score stays safe during this step.
Receive your approval decision in under 60 seconds with your available credit limit displayed immediately.
Present your digital card at any of 5,000+ participating vet clinics and pet care providers nationwide.
Enjoy 0% interest for 6–12 months. Split payments into easy monthly installments that fit your budget.
A credit card built specifically for the pet-loving community — with perks that actually matter.
Choose from 6-month or 12-month deferred interest plans. Pay the full balance before the promotional period ends and you pay zero interest — ever.
The All Pet Card has absolutely no annual fee, no maintenance fee, and no activation fee. Keep it in your wallet for when you need it — cost-free.
Find out if you qualify in 60 seconds using a soft credit pull. Zero impact to your credit score during the pre-qualify step. Apply anytime, anywhere.
Use your card for veterinary visits, emergency surgery, dental cleanings, grooming, professional training, boarding facilities, and prescription medications.
Dogs, cats, rabbits, birds, hamsters, reptiles — the All Pet Card works for every member of your fur, feather, or scale family. No pet left behind.
Your card is issued by Comenity Capital Bank, a trusted institution with decades of experience in consumer financing. Backed by real banking security.
Routine checkups, emergency visits, surgeries, dental cleanings, X-rays, and specialist consultations.
Baths, haircuts, nail trims, teeth brushing, and full grooming packages at participating salons.
Keep your pet safe and happy while you travel. Use your card at licensed boarding facilities and doggy daycares.
Obedience classes, behavioral training, puppy programs, and agility courses from certified trainers.
From golden retrievers to guinea pigs — every pet deserves world-class care with All Pet Cards.
Don't just take our word for it — hear from the families whose pets we've helped.
When Max needed emergency ACL surgery, the $4,200 bill nearly gave me a heart attack. The All Pet Card approved me in under a minute and let me split it into 12 zero-interest payments. Max is running around like a puppy again!
My cat Bella needed dental surgery and three tooth extractions. I was worried about the cost but the All Pet Card made it completely stress-free. The application was so fast and easy. Highly recommend to every cat parent!
I have two rabbits and a hamster, and exotic vet bills add up fast. The All Pet Card is a lifesaver. I use it for routine checkups, dental work, and the boarding facility when I travel. No annual fee makes it a no-brainer.
Expert tips on keeping your pets healthy — and your wallet happy.
Vet FinanceEmergency vet bills can strike without warning. Here's how to prepare — and what to do when you're caught off guard.
Read More →ComparisonTwo popular pet financing options compared side by side — find out which card saves you more money on vet bills.
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Money TipsSmart pet owners use financing strategically. Learn how to get the most out of your All Pet Card benefits.
Read More →The All Pet Card is a dedicated pet financing credit card issued by Comenity Capital Bank. It offers 0% interest for 6–12 months on qualifying purchases at participating pet care providers across the United States, with no annual fee.
Pre-qualifying uses a soft credit inquiry which does not affect your credit score at all. A hard inquiry is only made when you formally submit a full application for the card.
Accepted at 5,000+ participating veterinary clinics, grooming salons, boarding facilities, and pet training centers across all 50 US states.
Unlike CareCredit which covers both human and pet healthcare, the All Pet Card is 100% focused on pet care. Many pet owners find the approval process faster and approval rates more favorable. See full comparison →
One card. Every service your pet needs. 0% interest for 6–12 months on all of the following.
See exactly how All Pet Cards stacks up against CareCredit, ScratchPay, and Cherry — and why thousands of pet owners choose us.
| Feature | 🐾 All Pet Cards | CareCredit | ScratchPay | Cherry |
|---|---|---|---|---|
| Annual Fee | ✓ $0 | $0 | $0 | $0 |
| 0% Interest Promo | 6–12 months | 6–24 months | N/A | N/A |
| Pet-Only Focused | ✓ | ✗ | ✓ | ✗ |
| Covers Grooming & Boarding | ✓ | ✗ | ✗ | ✗ |
| Soft Pull Pre-Qualify | ✓ | ✓ | ✓ | ✓ |
| Covers Dog Training | ✓ | ✗ | ✗ | ✗ |
| Reusable Revolving Credit | ✓ | ✓ | ✗ | ✗ |
| Issued by FDIC Bank | ✓ Comenity | ✓ | ✗ | ✗ |
Comparison based on publicly available information as of 2026. Subject to change.
Most US pet owners qualify. Here's everything you need to know about eligibility and credit limits.
💡 Good news about credit score
All Pet Cards considers applicants across a range of credit scores. Pre-qualifying with a soft pull won't affect your score — and many pet owners with fair credit are approved. Final approval is subject to credit review by Comenity Capital Bank.
Credit limits are assigned based on your creditworthiness. Here's a general guide to what pet owners typically receive:
Find out your limit in 60 seconds
Prequalify Free — No Credit ImpactAll Pet Cards is available to eligible residents in all 50 US states including California, Texas, Florida, New York, Illinois, Pennsylvania, Ohio, Georgia, North Carolina, Michigan, and more. Wherever you live in the USA, your pet can get the care they deserve.
Answers to the most common questions about pet financing, credit limits, and how to use your card.
Yes, like all credit cards, late payment fees may apply if you miss your minimum monthly payment due date. Always pay at least the minimum by the due date to avoid fees. Set up autopay to make it easy.
If you pay the full balance before the promotional period ends, you pay zero interest. If a balance remains after the promo period, the standard APR applies retroactively to the original purchase amount. Always aim to pay in full before the promotional period expires.
Yes! Your All Pet Card can be used for any and all of your pets — dogs, cats, rabbits, birds, reptiles, small animals, and more. As long as the service is provided by a participating pet care professional, you can use your card.
Ask your current vet or groomer if they accept All Pet Card — many clinics are already enrolled or can quickly sign up. You can also visit go.allpet.com to search for participating providers near you.
Yes — All Pet Cards and All Pet Card refer to the same product. The card is officially called the All Pet Card and is issued by Comenity Capital Bank. AllPetCards.com is a resource to learn about and apply for this card.
There's no publicly stated minimum credit score for the All Pet Card. Comenity Capital Bank evaluates a range of credit profiles. Many applicants with fair credit (580+) have been approved. Pre-qualifying does not affect your score — so there's no risk in checking.
Upon full approval, you receive immediate access to a digital card you can use the same day at participating locations. Your physical card arrives by mail within 7–10 business days.
Yes. All Pet Card accounts are managed through Comenity Capital Bank's online portal and mobile app. You can view your balance, make payments, set up autopay, and monitor your credit limit all in one place.
Yes! As long as your exotic animal vet or pet care provider is enrolled in the All Pet Card network, you can use your card for birds, reptiles, rabbits, guinea pigs, ferrets, hedgehogs, and other exotic pets.
Comenity Capital Bank is a Utah-chartered bank and a subsidiary of Bread Financial (formerly Alliance Data Systems). They issue co-branded and private-label credit cards for hundreds of retailers and specialty programs across the USA. Your account is FDIC-insured.
Trusted By Pet Care Professionals Across the USA