Nibbles Pet Rewards Credit Card vs. U.S. Bank Shopper Cash Rewards® Visa Signature® Card*
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card* offers better-rounded rewards potential than the Nibbles card. Although it carries an annual fee of $0 intro annual fee for the first year, then $95, it also earns 6% cash back each quarter on combined eligible purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Travel Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else. Eligible retailers include Chewy and Amazon–two digital retailers that carry an array of pet food and pet-related products. It doesn’t cover vet expenses or offer the pet insurance perk, but you may find the elevated rewards in other areas of spending earns you enough in cash-back rewards to mitigate that.
Nibbles Pet Rewards Credit Card vs. CareCredit® credit card*
The CareCredit® credit card* can be used to pay for qualified health, wellness and other medical expenses, and vet bills are included as a qualifying expense. With the CareCredit card, the main appeal is the “promotional financing” terms, which allows you to spread out the payments on an eligible expense of $200 or more into installment payments over six, 12, 18 or 24 months, without any interest charges. There is a catch, however. If you miss a payment, you’ll be retroactively charged interest dating back to the date you made the purchase—and the interest rate is high.
The CareCredit card is designed for someone who needs extra time to pay off pet-related expenses, but has the ability and discipline to do it within the time frame of their payment plan. The Nibbles card is the better option for someone who can pay their bill in full every time and wants to take advantage of the pet insurance savings and rewards.
Nibbles Pet Rewards Credit Card vs. Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card balances rewards earnings with a break from paying a big vet bill all at once. The no-annual-fee card earns an unlimited 2% cash rewards on purchases, making it useful beyond pet-related purchases. The card also comes with a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% (min. $5) then a fee of up to 5% (min. $5) applies, which gives you time to pay off any big expense, whether it’s a fresh set of Chewy Vuitton dog toys or a new Louis Vuitton carrier for Fluffy.
Overall, the Active Cash offers far more versatility than the Nibbles card, earning high rewards on everything you buy, not just certain categories. It doesn’t come with pet insurance, but it does offer money-saving cellphone coverage, which can shave a few bucks off your bottom line.