Best Credit Card for Pet Supplies Plus in 2026
Pet Supplies Plus is classified under MCC 5995 (Pet Shops, Pet Foods, and Supplies Stores). The best card for Pet Supplies Plus purchases is the Active Cash (no annual fee), earning 2x on pet shops, pet foods, and supplies stores — an effective return of 2.00%.
Pet Supplies Plus is a great place for pet owners who want to earn rewards on their everyday expenses. Most travel and cash-back cards cover this merchant category, making it easy to rack up points or cash back.
Consider using rotating category cards that offer higher rewards at pet supply stores during specific months to maximize your returns.
Pet Supplies Plus purchases are classified under MCC 5995 (Pet Shops, Pet Foods, and Supplies Stores).
MCC Details for Pet Supplies Plus
Best Credit Cards for Pet Supplies Plus (2026)
How Pet Supplies Plus Codes on Your Statement
When you pay at Pet Supplies Plus at their locations, your card issuer sees MCC 5995 in the transaction data. This code tells your bank that the purchase was made at a pet shops, pet foods, and supplies stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "pet shops, pet foods, and supplies stores" purchases, Pet Supplies Plus transactions will qualify — even if your card terms only mention a category name and not Pet Supplies Plus specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Pet Supplies Plus transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5995 qualifies for bonus rewards.
Bonus Category Match — Pet Supplies Plus
About MCC 5995: Pet Shops, Pet Foods, and Supplies Stores
Merchant Category Code 5995 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Pet Shops, Pet Foods, and Supplies Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5995, all qualifying card programs that include pet shops, pet foods, and supplies stores as a bonus category will apply the elevated earn rate.
The Retail industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Pet Shops, Pet Foods, and Supplies Stores merchants: Petco, PetSmart.
What You Could Earn at Pet Supplies Plus
Spending $200/month at Pet Supplies Plus with the Active Cash (2x on pet shops, pet foods, and supplies stores) earns approximately $48/year in rewards. A basic 1% card earns $24 on the same spending. That is $24 more per year with no annual fee.
Prefer no annual fee? The Signify Business Cash earns 2x at Pet Supplies Plus merchants, earning $48/year with no annual fee.