Pet owners know that there are many costs associated to owning a pet. Unexpected vet bills, veterinary surgery and other health-related costs can quickly add up.

There are many credit cards for dog owners in Canada that will help you pay for the medical bills of your pets. These credit cards can also help you save money by offering cash back, points, or miles on your purchases.


Dog owners often have to pay a lot for veterinary care. According to Synchrony Bank’s “Lifetime of Care”, dogs can spend anywhere from $1,300 to $2,800 just for their first year.

Credit Cards for Dog Owners in Canada

Dog owners have many options to help manage these expenses. CareCredit, a healthcare credit card, can help you make your pet’s vet visits more affordable.

It works just like any other credit card. You use it to pay for care at providers within the CareCredit network and they reimburse you for the cost. You’ll need to check with the veterinary office or hospital that you visit to see if they accept CareCredit. The CareCredit website has a search tool that allows you to search for their name and location.

CareCredit can be applied online. It requires a simple credit check with no impact. Once approved, your CareCredit card can be used to make purchases at any CareCredit network provider and you will have immediate access to a special financing option to pay for veterinary care.

You may be eligible for an interest-free financing plan up to 24 months after your purchase if you are a new CareCredit cardholder. These shorter repayment plans can be a great way to spread your expenses out over time, but keep in mind that not all medical providers offer promotional financing and longer term plans with higher APRs are also available.

In addition to helping you pay for veterinary care, CareCredit can be used for other health-related needs. For example, you can use it for purchases of pharmaceutical and healthcare products at thousands of retailers and drugstore chains. To have extra funds in case of emergencies, you might want to consider playing some fun sports betting games via

You can also use it for deductibles and treatments and procedures not covered by your insurance. The card can be used to cover the costs of your pet’s routine check-ups and preventive care as well as emergency visits or procedures that require specialized expertise or advanced equipment.

There are many credit cards that can be used by dog owners to pay for veterinary bills and other medical expenses. Some of the best options include the Citi Simplicity(r) Card and the Capital One Venture Rewards Credit Card. These cards offer 0% for 12 and 21 months on purchases, respectively, and 0% for balance transfers.

Secured Credit Card – Discover it(r).

A secured credit card can be a great option for dog owners in Canada who want to build or repair their credit without the risk of being denied a traditional unsecured card. These cards require a refundable deposit to establish your credit limit. You can get it back after you have made six consecutive on-time payments.

The Discover it(r) Secured Credit Card is one of the few secured credit cards that earn cash back rewards for cardholders who make on-time payments and keep their balances below 30 percent of their available credit. It also comes with a no-annual fee that can help cardholders save money over the long-term.

Discover cardholders also get benefits that aren’t available on other secured cards. These include flexible payment options, zero fraud liability protection and free overnight card replacements. You can also travel abroad with the card without worrying about paying a foreign transaction fee.

The card can also be used to track your FICO(r). This is useful if your goal is to improve credit.

The card’s maximum credit limit is $2,500, which is comparable with many other secured cards. However, a lower limit can make it harder to keep your credit utilization ratio low.

The Discover it(r), Secured Credit Card has a variety of features that can prove useful for Canadian dog owners. These include the ability freeze or unfreeze your account, zero risk of fraud, overnight card replacements, and no foreign transaction fees.

Bank of America Cash Reward Credit Card

The Bank of America Cash Rewards Credit Card is a good choice for dog owners in Canada who are looking for a cash back credit card. It has a competitive cash back rate, a generous sign-up bonus and a number of other perks.

You’ll get a generous 3% back on your gas purchases, 2% back on grocery store and wholesale club purchases, and 1% on everything else. You can also earn bonus cash back on certain retail categories such as dining and travel.

You will also be eligible for a variety of perks, such as free admission to many museums in the country the first weekend of each month. And if you’re a fan of contactless payments, this card has you covered, as you’ll get a free transaction at the point of sale with many merchants.