Plus: the best credit cards to use at PetSmart for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
PetSmart uses MCC code 5995 (Pet Shops, Pet Foods, and Supplies Stores). The best credit card is the Signify Business Cash, earning 2x rewards on this category.
PetSmart transactions are processed under MCC 5995 (Pet Shops, Pet Foods, and Supplies Stores, category: retail). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Signify Business Cash | 2x | No annual fee | Wells Fargo | Apply Now |
| Active Cash | 2x | No annual fee | Wells Fargo | Apply Now |
| Freedom Unlimited | 2x | No annual fee | Chase | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
PetSmart uses MCC code 5995, which is classified as "Pet Shops, Pet Foods, and Supplies Stores". This determines which credit card bonus categories apply to purchases at PetSmart.
The best credit card at PetSmart is the Signify Business Cash, which earns 2x points/miles on purchases coded as MCC 5995 (Pet Shops, Pet Foods, and Supplies Stores).
PetSmart uses MCC 5995 (Pet Shops, Pet Foods, and Supplies Stores). This means purchases at PetSmart do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).