What Happens After You Apply
Once you submit your pre-qualification, you'll receive an instant decision in most cases — typically within 60 seconds. If pre-approved, you'll be shown your available credit limit and invited to formally accept the All Pet Card terms and complete your application. This step does involve a hard credit inquiry.
Upon full approval, you'll receive a digital card number immediately — usable that same day at any participating vet clinic, groomer, boarding facility, or professional trainer. Your physical card arrives by mail within 7–10 business days. Your account is managed online through Comenity Capital Bank's secure portal, where you can view your balance, make payments, and set up autopay.
Who Qualifies for the All Pet Card?
The All Pet Card is available to US residents aged 18 and older with a valid Social Security Number. Credit approval decisions are made by Comenity Capital Bank and consider your overall credit profile. There is no publicly stated minimum credit score requirement — applicants across a range of credit histories, including fair credit, have been approved.
The best way to find out if you qualify is to pre-qualify — the process takes 60 seconds and uses only a soft credit inquiry, which has no impact on your credit score at all. You can check your eligibility with zero risk.
Understanding Your Credit Limit
Credit limits are assigned by Comenity Capital Bank based on your creditworthiness at the time of application. Starting limits begin at $200 and can reach up to $10,000 for well-qualified applicants. The average approved credit limit falls between $1,500 and $3,000 — enough to cover the vast majority of veterinary procedures pet owners encounter, including many emergency surgeries.
As a revolving credit card, your available credit is restored as you make payments. This means your All Pet Card can serve as a long-term financial tool for managing your pet's healthcare costs — not just a one-time solution.
All Pet Card vs Other Pet Financing Options
Unlike installment loan products like ScratchPay or Cherry, the All Pet Card is a revolving credit line — meaning you apply once and use it repeatedly without re-applying. Unlike CareCredit, the All Pet Card covers grooming, boarding, and training in addition to veterinary care, making it a more comprehensive financial tool for pet owners.
With 0% interest for 6–12 months on qualifying purchases and no annual fee, the All Pet Card offers more financial value for pet-specific spending than any other financing product on the market for most US pet owners. See our full comparison →
