Credit Cards to Pay for Veterinary Care

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BEST WAY TO PAY VET BILLS IS WITH A 0% CREDIT CARD

  • No Annual Fee
  • Long 0% Intro APR
  • Use Anywhere

0% APR CREDIT CARDS VS VETERINARY CARDS

These Credit Cards are Only for Excellent and Good Credit History.
Have Bad Credit? No Problem! See Also Cards for Bad and Fair Credit History!

COMPARE CREDIT CARDS WITH VETERINARY CARE CARDS

Keeping your pet comfortable and healthy involves a lot of effort and money. Pets need regular veterinary checkups, vaccinations, teeth cleaning, medication, and additional care if a pet has a chronic disease. Routine appointments and emergency situations may require additional financing. There are a lot of plans offered out there from veterinary payment plans and healthcare credit cards to regular credit card offers. Veterinary financing is good for emergency situations when you need money fast. It is an expensive type of financing as it's usually offered at a high interest rate, but there can be differed interest options for 6, 12, and 18 months. You can use it at participating veterinarians only and cannot use for anything other than healthcare. Traditional credit cards have lower interest rates and give you more flexibility as you can use them at different veterinarians and anywhere else. They can have 0% interest APRs for up to two years and bonus promo offers for new cardmembers. When you use a regular credit card to pay vet bills, use these three simple rules:
  • pay bills on time to make sure you won't lose that 0% intro APR;
  • work out a repayment plan to make sure you will pay off the card balance by the end of the promo period;
  • don't put other purchases on the card until the veterinarian bill is paid off.

HOW MUCH DOES VETERINARY CARE COST?

The costs depend on the animal: the smaller the pet the less you spend on veterinary. Bigger pets require more spendings, and as your pet ages, vet costs will typically increase. The average vet spending of dog owners is around $227 each year, while the cat owners spend around $90 per animal. This spending can dramatically increase when your pet gets ill, so it is important to keep your pet as healthy as possible to prevent severe or emergency medical conditions. Regular checks and vaccinations may lower your future vet expenses and will help ensure your pet's wellbeing and comfort.

POPULAR PET TREATMENTS:

  • Annual check-ups
  • Spaying and neutering
  • Teeth cleaning
  • Medication
  • Diagnostics
  • Emergency services
  • Care of chronic pet diseases and conditions
  • Vaccinations

All those treatments make the majority of our vet expenses. However, you can lower your long-term vet bills and reduce your pet's risk for illness by brining your pet for routine veterinary exams. Another way to lower veterinary costs is to keep your pet healthy by providing proper food, exercise, and attention.

2.7
$248
Avg. cost per year
Average number of times dog owners visit the vet each year.
2.4
$219
Avg. cost per year
Average number of times cat owners visit the vet each year.

Vaccine Boosters

$15-$30**

Vaccines prevent future illness and can help keep pets healthy and safe. Some vaccines require annual boosters, the others are recommended on a three-year schedule. A booster vaccine can cost $15-$30 per shot on average.

Heartworm Test

$45-$50**

Heartworm disease requires annual testing to keep your pet free of it. Veterinarians can advise on which product is most suitable for your pet, and an average cost of the test is $45-$50.

Dental Cleaning

$70-$400**

A professional pet dental cleaning is as important as food, water, and regular physical exams. Even with good at-home teeth cleanings, veterinary dental cleaning is required once or twice a year. Pet's dental care costs between $70 and $400.

**All costs and prices can vary depending on the veterinarian and animal.

FAQS ABOUT CREDIT CARDS FOR VETERINARY CARE

My cat needs a surgery and our vet suggested Care Credit. I looked through it and think it's a bit expensive and tricky. Is...
Yes. You can always use a regular credit card to pay for an expensive medical treatment. Look for credit cards that come with 0% intro APRs first place. The cards with zero interest may also offer rewards on purchases and come without annual fees....
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I need a card with a year of no interest to pay my dog's care. All in all, it should cost me approximately $1800. What card...
A regular credit card with 0% promo interest on purchases will be a good option for you. Also, we would recommend you look for no annual fee credit cards to reduce your expenses. For example, you can apply for the Discover it – Cashback Match...
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EARN REWARDS EACH TIME YOU VISIT A VET

REWARDS EARNED
REWARDS EARNED
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
REWARDS BONUS
REWARDS BONUS
INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
REWARDS EARNED
REWARDS EARNED
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
REWARDS BONUS
REWARDS BONUS
20000 Miles once you spend $1,000 on purchases within 3 months from account opening
REWARDS EARNED
REWARDS EARNED
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
REWARDS BONUS
REWARDS BONUS
We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
REWARDS EARNED
REWARDS EARNED
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
REWARDS BONUS
REWARDS BONUS
$150 Cash Back after you spend $500 on purchases within 3 months from account opening
REWARDS EARNED
REWARDS EARNED
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
REWARDS EARNED
REWARDS EARNED
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
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HOW TO REDUCE VET BILLS

Use these tips to help prevent and treat common pet health problems, and give your pet a new lease on life!

Look for alternatives

Look for alternatives

You can find a free or low-cost spaying and neutering for dogs and cats. You just should know where to look for alternatives. Local shelters and animal welfare groups offer cheaper vet services. A veterinary college can also offer low-cost quality care - everything from heartworm tests to simple surgeries can be offered for as little as a third of the price at a vet's office.

Watch Their Weight

Watch Their Weight

Overweight and obese pets are more likely to have health problems, which equals a high cost to you and your pet. To avoid these high vet expenses, try to keep your pet on a healthy diet. Ask your veterinarian how much food your pet really needs and try to get it used to regular meal times. Use high-quality food and avoid unhealthy table foods.

Visit the Vet

Visit the Vet

Try to keep up with annual checkups. You may think they are unnecessary and only waste your money and time, but annual examinations of your pet can save you money in the long run. It's a lot cheaper to prevent a disease than to treat it. Let treatments lapse and it can turn into an expensive condition to treat.

Maintain Dental Health

Maintain Dental Health

Whether your pet is predisposed to dental diseases or not, it is important to be vigilant about dental care. Your pet, as well as your budget, will benefit hugely from daily tooth brushing. Regular brushing means less expensive dental cleanings at vet. Poor oral hygiene can lead to serious health problems, and that means your vet expenses can increase.