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 includes 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 pet insurance for one pet with a hassle-free 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.
Nibbles pet insurance coverage, exclusions and upgrades
Built-in pet insurance for one eligible pet is a top perk of the Nibbles Pet Rewards card.
The Nibbles Card includes up to $20,000 per year in pet insurance coverage, with up to 80% reimbursement after the deductible is met. Coverage varies by state and may include accident and illness or accident-only insurance.*
Cardholders skip the paperwork at the vet once they opt in. Simply use your Nibbles Card at the vet, and your claim is filed for you. Reimbursement lands straight on your statement.
As with most pet insurance policies, there are coverage limits and exclusions to be aware of, such as preexisting conditions. Because policy details can change, check the Nibbles website for the most up-to-date breakdown of what’s covered, what’s excluded and which optional add-ons are available before you enroll.*
And while the Nibbles card includes insurance for one eligible pet, you can also add additional pets with up to 10% off each additional premium.
Earning rewards with the Nibbles Pet Rewards Credit Card
The Nibbles Pet Rewards card earns Pet Points on every transaction made where Mastercard is accepted.
Here’s what you can expect to earn when you swipe the card:
- 3 pet points per dollar spent on pet and vet purchases and the full vet bill, not just the amount remaining after reimbursement
- 1 pet point per dollar spent everywhere else Mastercard is accepted
The bonus category for pet stores and pet services includes:
- Boarding
- Grooming
- Medications
- Pet food
- Training
- Vaccinations
Pet points earned with the Nibbles card can be redeemed at a rate of 1 cent per pet 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 included pet insurance and elevated rewards on pet-related purchases and vet visits, as well as additional merchant offers, pet parents can feel better prepared for unexpected veterinary expenses. And they won’t have to pay an annual fee for these benefits.
For pet lovers, the Nibbles card is a no-brainer.
See if you pre-qualify with no impact to your credit score: Nibbles Pet Rewards Credit Card
The Nibbles Pet Rewards Credit Card is available in most U.S. states and Washington, D.C. Availability and insurance coverage vary by state. Check nibbles.com for current details.
Nibbles is not a bank. The Nibbles Card is issued by Lead Bank. Other fees and T&Cs apply. Rewards & pet insurance offered by Nibbles, not Lead Bank. Base pet insurance policy paid for one eligible pet by Nibbles. See nibbles.com for details.
*Check your state for exact coverage and pricing details.
