Rewards · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Comenity Petco Pay Mastercard is a no-annual-fee points card from Comenity. Its best everyday rates are 0.66x on grocery stores; everything else earns 0.33x. There is also 2x on Petco, a single-merchant rate. Rewards are Petco points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it returns about $34, an effective 0.1% back.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up. It charges 3% on foreign purchases, so leave it home when you travel abroad.
2 Vital Care Points on Grocery. Earn 2 Vital Care Points for every $3 spent on grocery store purchases with your Petco Pay Mastercard Credit Card
2X Vital Care Points at Petco. Earn 2 Vital Care Points for every $1 spent at Petco locations and at Petco.com
No welcome bonus is stored for this catalog entry yet.
Comenity adds nothing beyond the Standard Mastercard benefits below.
These come from Mastercard, not from Comenity. Every card on the Standard Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Petco Pay Mastercard®This card · 0.66x on grocery stores | None | $34 | +$34 | 1043rd of 1,291 |
| AAA Travel Advantage Visa Signature®Comenity's most-held other card · 5% on gas stations | None | $594 | +$594 | 12th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
