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Between vet visits, food, grooming, and more, owning a pet is expensive. In fact, Americans spend more than $100 billion on pet expenditures annually, according to the most recent data from the Bureau of Labor Statistics in 2021.<\/p>\n
If you spend a significant amount of your monthly budget on your pets, the Nibbles Pet Rewards Credit Card (issued by Lead Bank) could offer valuable savings. This no-annual-fee card earns rewards on pet-related purchases and even comes with free pet insurance.<\/p>\n
Related: <\/em>Best rewards credit cards<\/em><\/p>\n Rewards rate<\/p>\n Benefits<\/p>\n The biggest benefit you\u2019ll get with this card is free pet insurance. This applies to one eligible dog or cat that\u2019s at least seven weeks old. While only one pet is included, you can add additional pets to your plan and get up to a 5% discount on each premium.<\/p>\n Nibbles pet insurance coverage includes up to $25,000 per year for accident, injury, and illness. There\u2019s a $500 deductible, and an 80% reimbursement rate after you hit the deductible. You can read more below about the specific pet insurance coverage you\u2019ll get with a Nibbles Credit Card.<\/p>\n With the Nibbles Pet Rewards Credit Card, rewards are focused on pet spending. You\u2019ll earn 3x points on eligible pet purchases at pet stores, on pet services, and at any licensed vets in the U.S.. All other purchases earn one point per dollar, and there\u2019s no limit to the number of points you can earn.<\/p>\n Consider where you buy your pet supplies before you open this card, though. Pet stores and pet shops will earn 3x rewards on spending, but if you regularly stock up on food and treats at larger stores \u2014 like supermarkets or wholesale clubs \u2014 that spending won\u2019t count toward this card\u2019s bonus rewards category.<\/p>\n For veterinary spending, the 3x points will apply to the entire vet bill, not just on the amount you pay after reimbursement, which can help you earn solid savings if you take on a large vet bill.<\/p>\n You can redeem your rewards for statement credits at a rate of 1 cent per point.<\/p>\n For example, let\u2019s say you spend $200 per month in eligible pet purchases for a total of $2,400 per year. At 3x points per dollar, you\u2019ll earn 7,200 points over that time, which you can cash in for $72 in statement credits toward your account.<\/p>\n The Nibbles Credit Card is best for any dog or cat owner who spends a significant amount of money each month on pet expenses. But before you apply, make sure your pet is eligible for the insurance benefit and that the pet insurance covers the expenses you want from a pet insurance provider.<\/p>\n Coverage includes things like illnesses, accidents, medications administered at the vet, diagnostics, procedures, and more. Other costs \u2014 such as preexisting conditions, boarding, prescription foods, and nonemergency dental work \u2014 are not included. Services like take-home prescriptions, preventative care, and vet exam fees related to an accident or illness are only covered when you add them to your policy for an additional cost.<\/p>\n Finally, check if Nibbles is available in your state before applying. The card is offered in most of the U.S., but not everywhere. At this time, residents of Washington, Maine, Colorado, and Massachusetts are not eligible to apply. However, if you live elsewhere and travel to those states, you can still use your card and pet insurance benefits there. If you\u2019re based in one of the four ineligible states, you may want to look at other credit card options that help you save on pet expenses.<\/p>\n The Nibble Pet Rewards card can also be a great way to save money on other pet-related expenses that you make regularly. Pet stores and services are not a common rewards category among other credit cards today. So if you spend a lot of money on getting your pet groomed or on regular boarding, or you\u2019re often stocking up on food and treats at your local pet store, this card\u2019s 3x points can add up to big savings over time.<\/p>\n Pet spending rewards:<\/strong> If you spend a lot on your pets \u2014 whether from buying food at the pet store or visiting the vet\u2019s office \u2014 this card\u2019s unique rewards category can help you save with 3x rewards on eligible pet-related purchases.<\/p>\n<\/li>\n No annual fee:<\/strong> The Nibbles Credit Card charges no annual fee in addition to its free pet insurance.<\/p>\n<\/li>\n Free pet insurance:<\/strong> If your pet qualifies, the Nibbles Credit Card can be a great way to ensure insurance coverage against future accidents or illnesses. Just ensure you read the full terms of the included insurance policy before signing up.<\/p>\n<\/li>\n<\/ul>\n Few other benefits:<\/strong> Aside from pet insurance coverage, there aren\u2019t any added benefits to help boost this card\u2019s value.<\/p>\n<\/li>\n Your pet may be ineligible for coverage:<\/strong> Make sure you read the full list of what is and isn\u2019t covered by your Nibbles insurance. Some costs, like preventative care and vet exam fees, may be available as a policy add-on. Coverage also only applies to cats and dogs at least seven weeks old; other types of pets won\u2019t qualify.<\/p>\n<\/li>\n No welcome offer<\/strong>: The Nibble Pet Rewards Credit Card has no welcome offer for new cardholders \u2014 unlike other top cash-back credit cards today.<\/p>\n<\/li>\n<\/ul>\n The Nibbles Pet Rewards Credit Card is a Mastercard, so you can use it anywhere Mastercard is accepted. For the rewards and benefits related to veterinary care, any licensed veterinary care provider within the U.S. is in network, so you\u2019re not limited to any specific vet for your benefits.<\/p>\n In addition, this card has no foreign transaction fees, so you won\u2019t pay any extra charges (usually up to 3%) for purchases you make abroad.<\/p>\n You can make a payment through your Nibbles online account. After logging in, navigate to the \u201cNibbles Credit Card\u201d section of your account and make a payment. You can also check your current balance, your rewards balance, and more.<\/p>\n With no annual fee, the Nibbles credit card could be a worthwhile addition to any pet parent\u2019s wallet, thanks to the complimentary pet insurance it provides through Odie Pet Insurance. The policy comes with a $25,000 annual coverage limit, an 80% reimbursement, and a $500 deductible. You can upgrade to a higher coverage limit, higher reimbursement percentage, or lower deductible for an added cost.<\/p>\n On average, pet insurance for dogs costs about $750 per year, while pet insurance for cats averages $386 per year. So, the Nibbles credit card could help you save hundreds on pet insurance premiums.<\/p>\n Learn more: <\/em>Is pet insurance worth it? How to decide.<\/em><\/p>\n Yes, it includes accident and illness coverage for one dog or one cat. Once you have your policy with one pet, it can’t be transferred to another pet. You\u2019ll need to start a new policy or add the new pet to the current policy.<\/p>\n Keep in mind that if you decide to add more than one pet to your policy, you\u2019ll need to pay monthly for the addition. However, you can get up to 5% off your policy for adding a pet.<\/p>\n The Nibbles credit card is the only card that provides free pet insurance coverage. Plus, you earn three points per $1 spent on pet and vet purchases. But other credit cards can be useful for pet owners, such as:<\/p>\n CareCredit. <\/strong>CareCredit is a healthcare financing card with no annual fee that you can use to pay for vet bills. Typically, CareCredit provides promotional annual percentage rates (APRs) for a limited time, and if you pay off the balance, you can avoid added interest charges. Plus, as a CareCredit user, you can get a 5% discount on Pets Best pet insurance.<\/p>\n<\/li>\n Citi Double Cash\u00ae Card. <\/strong>Although the Citi Double Cash Card doesn’t provide pet insurance as a perk, it allows cardholders to earn up to 2% cash back on every purchase (1% at the time of purchase, and 1% when you pay it off). This card has no annual fee, and you can use it to pay for pet food, pet insurance premiums, and vet bills, plus earn valuable rewards.<\/p>\n<\/li>\n<\/ul>\n \n
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