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Best Friends® Credit Card Review: Is It Worth It for Pet Owners?
July 1, 2025
The Best Friends® Credit Card caters to pet owners by offering enhanced rewards on veterinary care, pet supplies, and everyday pet-related purchases. This review explores whether it's the right choice for pet parents looking to maximize their spending.
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Card Overview
- Annual Fee: $0
- Regular APR: 18.99% - 26.99% Variable
- Welcome Bonus: $200 statement credit after spending $1,000 in first 3 months
- Recommended Credit Score: Good to Excellent (670-850)
Key Benefits
Rewards Structure
- 5% back at veterinary offices and clinics
- 4% back at pet stores and pet supply retailers
- 3% back on pet insurance premiums
- 2% back on pet grooming services
- 1% back on all other purchases
Pet-Focused Perks
- Annual $50 credit for preventive veterinary care
- Pet insurance discount through select providers
- Access to 24/7 veterinary telehealth services
- Emergency medical financing option
- Free monthly credit score monitoring
Additional Features
- Extended warranty on pet supplies
- Purchase protection for eligible items
- Zero liability for unauthorized charges
- No foreign transaction fees
- Digital wallet compatibility
Who Should Get This Card?
The Best Friends® Credit Card is ideal for:
- Pet owners with significant annual pet-related expenses
- People with multiple pets who frequently visit veterinarians
- Those who regularly purchase premium pet food and supplies
- Pet parents wanting emergency veterinary financing options
Who Should Skip This Card?
Consider other options if you:
- Don't have regular pet-related expenses
- Already have a card with strong rewards on general purchases
- Carry a balance (due to the high APR)
- Want travel rewards or cash back not tied to pet expenses
How to Maximize Card Benefits
- Use the card for all veterinary visits to earn 5% back
- Purchase pet supplies from qualifying retailers for 4% rewards
- Pay pet insurance premiums with the card
- Take advantage of the annual preventive care credit
- Use the emergency financing for unexpected vet bills
Comparable Alternatives
- PetPlus Rewards Card: Lower rewards but better insurance benefits
- Animal Lovers Visa: More flexible redemption options
- Care Credit: Better for large veterinary expenses
The Bottom Line
The Best Friends® Credit Card offers exceptional value for dedicated pet owners, particularly those with multiple pets or high annual veterinary expenses. The combination of strong category rewards and pet-specific benefits makes it a compelling choice for pet parents. However, those with minimal pet expenses or who prefer more flexible rewards might want to consider general cash-back cards instead.
Before applying, consider your annual pet-related spending and whether you'll earn enough rewards to justify adding another card to your wallet. If you spend over $2,000 annually on pet care, this card's benefits could provide significant value.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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