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Petsmart Rewards Guide

1 data point

Top Credit Card by Earning Rate at Petsmart

CitiThankYou Mastercard
2X ThankYou points

Petsmart

USA

Department StoreRetail

Date

2026-02-09fromFlyerTalkFlyerTalk↗

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

28.6 USD2X

Rewards

57.2 ThankYou Points

Additional Notes

Confirmed in flytertalk - https://www.flyertalk.com/forum/37586971-post353.htmlRead more

Quick Rewards Guide for Petsmart

💡 Top Performing Card: The community-verified best credit card for Petsmart purchases is the Citi ThankYou Mastercard. Transactions on this card consistently earn 2X ThankYou points by coding in the "Retail, Department Store" category.

🔍 Merchant Category Coding (MCC): Petsmart transactions most frequently code as "Retail, Department Store". Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.

💳 Maximize Online & App Bookings: For online or mobile app purchases at Petsmart, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.

Frequently Asked Questions

Q:What category does Petsmart code as on credit cards?

Based on community data points, Petsmart transactions primarily code under the "Retail, Department Store" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Petsmart?

The Citi ThankYou Mastercard is highly recommended, as it has been verified to earn 2X ThankYou points on Petsmart. Any card offering 3% or more cash back (or 3x points) on "Retail, Department Store" purchases will also deliver excellent value.

Q:Does Petsmart code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Petsmart usually codes as "Retail, Department Store" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.