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 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.
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| 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. |
| 5X | Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
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 $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
- Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.