Does Petco Accept CareCredit? Does PetSmart? Answered

Short Answer: Petco and PetSmart do not accept CareCredit for retail purchases or grooming services, but most locations accept CareCredit for in-store veterinary care. For more information on using CareCredit at Petco and PetSmart, see below.

Does Petco Accept CareCredit Cards?

Petco does not accept CareCredit cards for retail purchases or grooming services. We confirmed this with corporate customer service representatives for both Petco and CareCredit.

However, you may be able to use your CareCredit card for in-store veterinary services. Independent, third-party veterinarians who work at Petco pet hospitals set their own payment policies and may have a contract with CareCredit. About 80% of the Petco pet hospitals we contacted in California, Colorado, and Texas are CareCredit certified. To find out if a Petco pet hospital near you takes CareCredit, contact the store directly.

The payment methods Petco accepts for all purchases and services include cash, debit cards, credit cards (American Express, Discover, Mastercard, and Visa), gift cards, and Pals Rewards. Petco also accepts PayPal for online purchases.

See our related article for the list of other retail stores that do accept CareCredit.

Does PetSmart Take CareCredit?

PetSmart does not accept CareCredit for retail purchases or grooming services, corporate customer service representatives for both PetSmart and CareCredit said.

However, PetSmart locations with Banfield Pet Hospitals do accept CareCredit in the clinic; Banfield is a certified CareCredit provider. For Banfield Pet Hospital prices, see our related article.

For retail purchases and grooming services, the payment methods PetSmart accepts are cash, debit cards, credit cards (American Express, Discover, Mastercard, and Visa), and gift cards. You can also use PayPal for online purchases.

What to Know About Using CareCredit for Pets

CareCredit is a financing option for out-of-pocket medical expenses, but cardholders can also use the account for some pet-care costs. In general, CareCredit can cover emergency and routine veterinary procedures including:

  • Check-ups
  • Medication
  • Microchips
  • Spay and neutering
  • Surgeries
  • Teeth cleaning
  • Vaccinations

The CareCredit website’s veterinary financing page includes a certified provider search to help you find veterinarians that accept CareCredit in your area.

According to Synchrony Bank’s CareCredit cardholder agreement, cardholders can only use CareCredit at providers that accept the card. If you attempt to use the card at a business that doesn’t contract with CareCredit, the payment system will deny your transaction.

If shopping somewhere that only accepts CareCredit for certain items, such as Walmart (as previously reported), you can split your purchase by using your CareCredit card first. CareCredit will automatically apply to the qualifying products before prompting you for another form of payment to cover the rest of your purchase, a CareCredit representative explained.

Be aware that using CareCredit for your pet’s care may cost more than if you purchase the products and/or services upfront. While CareCredit offers deferred interest promotions, its standard APR is nearly 30% and interest accrues during the promotional period if you are unable to pay off the balance in full.

If you don’t have a CareCredit card and are considering applying, find out more about the application process in our article on your CareCredit approval odds. For more options like CareCredit, see our comparison of the CareCredit to ALPHAEON CREDIT and United Medical Credit.