Best Credit Card for PetSmart in 2026
PetSmart is classified under MCC 5995 (Pet Shops, Pet Foods, and Supplies Stores). The best card for PetSmart 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 lovers spend a lot at PetSmart for everything from food and toys to grooming services. Cards that offer higher rewards in the 'pet supply' category can really add up.
Consider a card that doubles its rewards at PetSmart for the first year to boost your savings on pet expenses.
Spending Math
If you drop $200 monthly on pet supplies with a card that gives flat 2% cash back, you'll earn $4 each month or $48 yearly. A basic 1% card would only net you $2 per month ($24 annually).
PetSmart purchases are classified under MCC 5995 (Pet Shops, Pet Foods, and Supplies Stores).
MCC Details for PetSmart
Best Credit Cards for PetSmart (2026)
How PetSmart Codes on Your Statement
When you pay at PetSmart 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, PetSmart transactions will qualify — even if your card terms only mention a category name and not PetSmart specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any PetSmart 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 — PetSmart
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: Pet Supplies Plus, Petco.
What You Could Earn at PetSmart
Spending $200/month at PetSmart 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 PetSmart merchants, earning $48/year with no annual fee.