Does Petsmart Accept Care Credit? (All You Need to Know)

PetSmart runs a chain of pet stores across the country that sells a wide variety of pet products, pet services, and live pets.

The company also offers several different payment options both in-store and online. If you’re wondering whether Care Credit is one of the payment options accepted at PetSmart, read this article to find out!

Does PetSmart Accept Care Credit In 2024?

PetSmart only accepts Care Credit at its stores when you’re paying for your pet’s healthcare in 2024. PetSmart works with Banfield Pet Hospitals to provide veterinarian services that you can pay for using Care Credit. Since Banfield is only available at PetSmart stores, you cannot use Care Credit at PetSmart online.

Keep reading to find out more about what Care Credit is and why it’s so limited, the services you can get with this payment method at PetSmart, and where else you can use it!

Why Doesn’t PetSmart Accept Care Credit?

PetSmart doesn’t accept Care Credit for most of its products and services, since Care Credit is a healthcare financing facility.

In this case, Care Credit is a vet and pet financing facility that covers routine appointments, emergency situations, and surgeries for pets.

As such, it cannot be used to pay for live pets, pet feed, pet products, or other pet services that are not directly tied to healthcare.

Care Credit is accepted for vet services offered by PetSmart through its partnership with Banfield Pet Hospital.

PetSmart may also accept Care Credit for pet supplies that a vet deems medically necessary, or outright prescribes for the healthcare of the pet.

What Is Care Credit Used For?

As explained above, Care Credit is a healthcare financing option that allows pet owners to pay for routine and emergency services for their pets.

For pet owners, Care Credit allows them to pay for vet services such as the following:

  • Annual check-ups
  • Teeth cleaning
  • Parasite removal
  • Dermatology
  • Rehab
  • Medication
  • Diagnostics
  • Care of chronic pet diseases and conditions
  • Dog chemotherapy
  • Vaccinations
  • Microchipping
  • Pet food and nutrition

It also caters to emergency and surgical services, such as the following:

  • Veterinary surgery and emergencies
  • Spaying and neutering
  • Emergency services
  • Surgical procedures and hip dysplasia surgery

Care Credit works by offering pet owners short-term financing that enables them to pay for upfront expenses of vet services.

It also enables them to make repayments over a short period of time.

Care Credit’s facilities are usually repaid between 6 months and 2 years. If the pet owner makes repayments during this period, they will avoid paying interest.

This interest, which usually averages at 26%, becomes payable after the repayment period is over.

Once you get your Care Credit card, you can use it at all partner healthcare providers for various approved services without the need to apply for a new one.

What Can I Get with Care Credit at PetSmart?

What Can I Get with Care Credit at PetSmart?

According to the previous sections, you can pay for in-store pet vet services at PetSmart through Banfield Pet Hospitals, using Care Credit.

According to Banfield Pet Hospitals’ website, the following vet services are available:

  1. Vaccinations
  2. Neutering
  3. Teeth and dental care
  4. Nutritional supplements
  5. Emergencies and first aid
  6. Vet surgeries
  7. Diagnostics and imaging
  8. Surgeries

As stated above, since Care Credit is a facility for healthcare, you cannot use it to pay for retail purchases of any live pets, pet products, services, food, or accessories at PetSmart.

You may, however, be able to purchase pet supplies limited to certain types of food, equipment, and supplies that are explicitly prescribed by a vet or deemed medically necessary.

Which Stores Accept Care Credit?

Care Credit is accepted at certain pet stores and facilities for vet services, and medically necessary or vet prescribed pet supplies.

As explained above, you can pay for vet services at PetSmart through Banfield Pet Hospitals, which accept Care Credit.

You can search for Care Credit’s officially certified vets through its online partner locator tool under the “Veterinary Locations Near You” function.

When you get to the site, find partners by entering your zip code, or using your approximate location to list options within a set radius.

We also found the following pet stores that accept Care Credit strictly for medical and vet care are as follows:

  1. Pet Supermarkets
  2. Pet Supplies Plus
  3. Pet Valu
  4. Petland
  5. Pets Best

Petco also has a similar arrangement in place that allows you to use Care Credit for some vet services. In this case, the company works with Vetco, a Care Credit partner.

You can also use your Care Credit at the following retail stores that sell pet-related items and accept CareCredit for these purchases. Such stores include:

  1. Duane Reade
  2. Rite Aid
  3. Sam’s Club
  4. Walgreens
  5. Walmart

To learn more, you can also see our posts on whether or not PetSmart accepts checks, PetSmart coupon policy, and PetSmart senior discount.


Unfortunately, PetSmart doesn’t accept Care Credit for most of its products and services unless you’re paying for veterinary healthcare. PetSmart offers its vet services through its partnership with Banfield Pet Hospital so you can use the payment option at its locations with this branch.

You can get in-store vet services such as vaccination, surgeries, neutering, dental care, and more using Care Credit at PetSmart’s Banfield Pet Hospitals.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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