While owning a pet can help bring some warmth into your home, it's no secret that they can be expensive. The cost of pet services, like vet bills, grooming, etc., has risen 42% since 2019, according to a Bank of America Report. Depending on what type of pet you have, you'll pay more for coverage. Dogs are considerably more expensive than cats, with insurance costing on average over $700 a year.
The Nibbles Pet Rewards Card offers an alternative way to get pet insurance, without having to pay for it out of pocket. The card also comes with elevated rewards for any spending for pet services and at vets and pet stores.
CNBC Select dives into the Nibbles Pet Rewards Card to see if it makes sense for you and your furry friend.
The Nibbles Rewards Credit Card is a great option for pet owners looking to save some money on insurance costs, plus you can earn elevated rewards on vet visits and pet store trips.
- Free pet insurance for one pet
- 3x rewards at pet stores, and pet services at any licensed vet
- Exclusive offers, discounts, and access to additional services
- No welcome bonus
- Rewards can only be used for statement credits
Nibbles Pet Rewards Credit Card review
Welcome bonus
The Nibbles Pet Reward Credit Card doesn't offer a welcome bonus.
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
Offers accident-only, accident and illness and wellness plans
Cats and dogs as young as seven weeks old can enroll and there is no upper age limit.
$5,000 or unlimited
$50, $100, $200, $250, $500 or $1,000
Lemonade offers accident and illness and wellness policies in 39 states
At least 8 weeks old with a maximum of 10 to 14 years, depending on breed
$5,000, $10,000, $20,000, $50,000 or $100,000
$500 to $750.
Benefits and perks
The predominant perk that the Nibbles Pet Reward Credit Card offers is free pet insurance for one dog or cat at least seven weeks old. This insurance provides coverage for illnesses, diagnostics, accidents, supportive care and more.
The base pet insurance policy covers up to $10,000 in annual care, at an 80% coinsurance reimbursement rate after you meet your $500 annual deductible. Nibbles also offers the ability to customize your policy via add-ons, such as take-home prescriptions, physical therapy, higher coinsurance (up to 90%), lower deductible and more. The company also saves you the time with its automated claims process.
The plan does not cover pre-existing conditions, training or obedience classes and more. Be sure to check the list of what's included and what's not, to ensure you know what will be covered.
If you happen to have more than one pet, Nibbles will offer a discount of up to 5% for additional coverage for dogs or cats.
How to earn and redeem Nibbles rewards
Earning
Since the Nibbles Pet Rewards Card is geared towards providing value for pet owners, and it earns rewards on these purchases:
- 3X points on purchases on pet services and at pet shops and licensed veterinarians
- 1X points on all other purchases
While the card doesn't earn elevated rewards on a ton of different purchases, vet services and pet shops aren't common bonus categories.
Redeeming
The redemption options for your Nibble Pet Rewards Card are currently limited to statement credits. You can redeem your Nibble rewards at $0.01 for each point via your Nibbles dashboard.
Rates and fees
The Nibbles Pet Rewards Card comes with no annual fee and doesn't charge foreign transaction fees. There is up to a $40 fee for late or returned payments.
Card comparison
Nibbles Pet Rewards Credit Card vs. Wells Fargo Reflect® Card
The Wells Fargo Reflect® Card can help you save on interest charges thanks to its extra generous intro-APR offer on purchases and qualifying balance transfers.
- Best-in-class intro-APR for purchases and qualifying balance transfers
- No annual fee
- Cell phone insurance: up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible
- No rewards
- No welcome bonus
- High balance transfer fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Balance transfer fee
5%, min: $5
Foreign transaction fee
3%
If you're looking to put a substantial amount of vet services on a credit card, you might benefit from a generous intro-APR period, which the Wells Fargo Reflect® Card offers. This means you'll pay no interest on eligible purchases until the period is over, which can help you pay off larger costs without getting hit with interest right away.
While the Wells Fargo Reflect Card doesn't earn rewards, it comes with no annual fee and cell phone protection (up to $600 of cell phone protection against damage or theft; subject to a $25 deductible).
Nibbles Pet Rewards Credit Card vs. Citi Double Cash® Card
The Citi Double Cash® Card is one of the best no-annual-fee cash-back cards thanks to its straightforward rewards structure.
- Balance transfers get a long intro APR
- Generous flat-rate cash-back rewards structure
- No annual fee
- Travelers face a foreign transaction fee
- Intro APR only applies to balance tranfer
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Balance transfer fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
Foreign transaction fee
3%
The Citi Double Cash® Card is one of the staple cards for earning a flat 2% back on all your purchases, 1% when you buy and 1% when you pay. While it doesn't provide pet benefits, you'll earn twice the rewards on most of your spending. The cash back is earned as Citi ThankYou® Points, which gives you much more flexibility in how you use your rewards. With this card, you can redeem ThankYou® Points for one cent each toward statement credits, gift cards and much more. However, you may receive even more value by transferring your points to Citi's partner airline and hotel loyalty programs.
The card doesn't charge an annual fee, and has a generous welcome bonus, which is something the Nibbles Pet Rewards Card doesn't offer.
Is the Nibbles Pet Rewards Credit Card right for you?
If you have either a dog or a cat that would qualify for the pet insurance, the Nibble Pet Rewards Card is a good option, especially considering its $0 annual fee. While the card doesn't earn a ton of cash back or valuable rewards, it's pet insurance benefit alone can make it worth owning. That said, there are credit cards with no annual fee that are more rewarding for all sorts of purchases.
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