Pet insurance and rewards: What makes the Nibbles Pet Rewards Credit Card special
Pet ownership is a special part of life. According to Synchrony’s 2025 Pet Lifetime of Care study, more than 75% of pet owners consider their pet a family member, best friend or child.
Many of those pet parents want nothing but the best for their furry friend, but it’s growing more expensive to take care of them. Synchrony’s study found that caring for a dog over 15 years is almost 12% more expensive than it was in 2022, while cat care costs have risen more than 19% in the same time frame.
Meanwhile, 74% of pet owners reported that they faced unexpected pet care costs that exceeded $250, and only 31% of them said they could comfortably afford major pet expenses.
If you’ve ever been concerned about the price of pet parenthood, you may want to consider the Nibbles Pet Rewards Credit Card.
According to the North American Pet Health Insurance Association, U.S. pet insurance costs an average of $749 annually for dogs and $386 annually for cats. The Nibbles card offers free pet insurance for one eligible pet, all for no annual fee.
Pet parents, read on to learn more about the Nibbles Pet Rewards Credit Card and why it could be a fantastic addition to your wallet.
What is the Nibbles Pet Rewards Credit Card?
The Nibbles Pet Rewards Credit Card is a card designed with pets and their owners in mind.
The Nibbles card does not charge an annual fee.
Its top benefits include:
- Built-in complimentary pet insurance for one pet with an automated claims process
- Elevated rewards on pet and veterinarian transactions, plus rewards on any purchase made where Mastercard is accepted
- Access to exclusive partner deals and discounts
Let’s dive into the benefits to help determine if the Nibbles card is right for you.
What’s covered by Nibbles pet insurance?
Built-in pet insurance for one eligible pet is a top perk of the Nibbles Pet Rewards card.
The base insurance policy covers up to $10,000 annually at an 80% coinsurance reimbursement rate after you meet your annual deductible.
Cardholders skip the paperwork at the vet once they opt in. You’ll reply to an email to let the Nibbles team know to initiate the claim, and Nibbles handles the entire claims process from there.
Here’s what’s covered by the Nibbles card’s pet insurance policy:
- Procedures (including emergency tooth extractions, surgeries, wound care, ACL tears, and organ and heart valve transplants)
- Illnesses (such as diabetes, cancer, genetic disorders, breed conditions, hip dysplasia and digestive problems)
- Diagnostics (laboratory tests, poison control consultation, MRI/CT scans, X-rays and ultrasounds)
- Medications (injections and medications used by vets to treat your pet)
- Accidents (emergency vet treatments, foreign object ingestion, toxic poisoning, bites and stings)
- Supportive care (dental disease and fractures, medical supplies, overnight hospital stays and rehabilitative care)
Vet exam fees, take-home prescriptions and preventative care (wellness plan) reimbursements are not covered by the card’s pet insurance policy. However, these benefits are available as a policy add-on.
The following conditions are not covered by Nibbles’ pet insurance:
- Preexisting conditions
- Nonemergency dental work
- Training/obedience class
- Boarding
- Breeding, pregnancy or birth expenses
- Issues that occur during a waiting period
- Prescription food
- Cosmetic or elective procedures
- Biohazard fees
While the Nibbles card offers free insurance for one eligible pet, Nibbles does offer insurance for multiple pets. The rate for additional pets is comparable to other insurers, but Nibbles offers a discount of up to 5% for each added pet.
Nibbles pet insurance upgrades
The Nibbles Pet Rewards card offers a pet insurance plan that can be tailored to your needs. If you’d like to adjust the base plan or add more coverage, you can do so for an additional cost.
- Coinsurance: The standard plan covers 80% after you meet your deductible, but you can choose a 90% plan.
- Annual deductible: You can pick from $500, $250 or $100 for your plan.
- Annual limit: The base plan covers up to $10,000 annually, but you can upgrade to $25,000 or $40,000 a year.
In addition to the card's pet insurance, you can be reimbursed for certain qualifying preventative and routine visits for your pet with the Wellness Plan add-on. Wellness exams, vaccines, flea and tick medicine, and teeth cleanings fall under this umbrella. This is especially helpful for new puppies and kittens, as spaying and neutering are also reimbursable. These Wellness Plan benefits do not adhere to the insurance waiting periods or deductibles and coinsurance restrictions, as this is a separate plan.
You can also add on take-home prescriptions, vet visit/exam fees, and physical therapy coverage. These coverages pertain to accidents or illnesses only.
Earning rewards with the Nibbles Pet Rewards Credit Card
The Nibbles Pet Rewards card earns points on every transaction made where Mastercard is accepted. There’s no limit to how many points you can earn.
Here’s what you can expect when you swipe the card:
- 3 points per dollar spent at pet stores, on pet services and at any licensed vet (rewards are earned on the full vet cost, not just the cost after insurance)
- 1 point per dollar spent anywhere Mastercard is accepted
The bonus category for pet stores and pet services includes:
- Boarding
- Grooming
- Medications
- Pet food
- Training
- Vaccinations
Points earned with the Nibbles card can be redeemed at a rate of 1 cent per point as a statement credit. However, more redemption options are coming, and members can find details in their membership portal.
Plus, the card will also continue to roll out exclusive offers and partner discounts for pet owners, similar to Chase Offers and Amex Offers.
Who should get the Nibbles Pet Rewards Credit Card?
Pet owners who would benefit from the Nibbles Pet Rewards card’s built-in pet insurance are perfect candidates for the card.
People who spend frequently on pet-related expenses and vet visits can also benefit from the card’s earning rates and partner offers.
Bottom line
The costs associated with keeping our furry friends healthy have risen. Pet owners who are overwhelmed by these soaring expenses should have access to affordable pet insurance, and that’s where the Nibbles Pet Rewards Credit Card comes in.
Thanks to the card’s free pet insurance and elevated rewards on pet-related purchases and vet visits, as well as additional merchant offers, pet owners can relax knowing they’re covered. And they won’t have to pay an annual fee for these benefits.
For pet lovers, the Nibbles card is a no-brainer.
Apply here: Nibbles Pet Rewards Credit Card
The Nibbles Pet Rewards Credit Card is currently not available to residents of Washington, Colorado, Massachusetts, or Maine.
Nibbles is not a bank. The Nibbles Card is issued by Lead Bank. Fees, terms and conditions apply. See nibbles.com for details.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.