Cherish every moment with your best friend

Give your pet the gift of a longer, happier life with the Nibbles card

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Beyond Coverage: Get a healthier life for your pet with up to $10,000 in annual health coverage.

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Caring Rewards: Earn 3X points on all pet-related expenses—every care counts.

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Save More: Enjoy over $500 in annual savings on pet care.

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Join us for a lifetime of memories

$249 annual fee | Variable APR: US Prime + 17.74% (max of 29.99%)³

$ 10k

In pet insurance coverage a year

Enjoy free pet insurance coverage with $249 annual fee

3X

Points on pet purchases

Points on all pet-related purchases, from treats to grooming

1X

Points on everything else

Care for your pets, instead of how much care costs

Benefits for their health

Vet bills can be unpredictable, but your budget doesn’t have to be. Get up to $10,000 in accident and illness coverage to protect your pet when they need it most.

View all insurance benefits

Routine checkups, emergency visits, prescriptions. Vet care adds up fast. Earn 3X points on every vet bill, helping you earn points while keeping them healthy.

See reward addendum for details

Easily insurance claims through our all in one pet dashboard. Enjoy streamlined reimbursements without hassle.

Keep track of the important details like medical history, vaccinations, and insurance claims. No matter which vet or where you go, we’ve got your pet’s health history stored safe and sound.

Unexpected expenses? Use your points toward vet bills, pet supplies, or insurance payments, turning everyday spending into real savings for your pet’s care.

See reward addendum for details

Pet Testimonials

Louisa's mishap led to a $5,000 vet bill.

I was hanging out with a friend when he felt a headache coming on. No big deal, I grabbed him some Advil, and we stepped out for a bit. When we got home, the Advil bottle was on the floor. Empty.

Panic set in. We had no idea which of our dogs—or if both—had gotten into it. My wife and I rushed them to the vet, and since we couldn’t take chances, both were hospitalized and had their stomachs pumped. Turns out, Louisa was the culprit. She spent three days in the hospital. The bill? $5,000.

That was the moment we knew we needed the Nibbles Card. Now, if the unexpected happens again, we won’t have to think twice. Our dogs will get the care they need, no matter what.

Louisa & Abe

Pet Parent: Carlos

I learned the hard way, always insure your pets.

Princess was a one of a kind dog, and she was my best friend. Sweet, kind, and always happy, she brought a bright spark into my life. But unexpectedly when she was ten she developed patches on her skin that wouldn’t heal, and after countless tests, the diagnosis was heartbreaking—hereditary carcinoma, a form of skin cancer. Her treatment would start at $10,000, and that wasn’t something I could afford. Losing her was devastating, and I always wished I had been more prepared, but I didn’t know there were better options for pet healthcare.

Five years later, I’m finally ready for a new light in my life, and I have a new puppy, Aaliyah. I know now what it really costs to take care of a dog. That’s why I got the Nibbles Card—so I’ll never have to choose between finances and my pet’s health. It gives me peace of mind, covering the unexpected while saving me money on everyday essentials. Aaliyah deserves the best care, no matter what comes our way.

Princess & Aaliyah

Pet Parent: Corie

No more tough choices

I never understood the importance of pet insurance until I lost Laweezus (yes, as in Jesus Laweezus!).

When COVID hit, she started getting sick. I remember sitting in the vet parking lot, anxious and scared, as they ran test after test and the bills started to pile up. For a month, we searched for answers, but nothing was clear. Then came the impossible choice—an $8,000 emergency surgery or saying goodbye. The weight of that decision still stays with me.

Now, with my cats Scoots and Boogie, I refuse to face that kind of heartbreak again. I got the Nibbles Card so I’m always prepared, no matter what life throws our way. With Nibbles, I can focus on giving them the love they deserve, without worrying about the cost of care.

Laweezus, Boogie & Scoots

Owner: Britt

Vet transactions 3x points

Benefits for their happiness

The food they love. The toy they never let go of. The treats that make their day. Earn 3X points on everything that brings them joy, because the little things make the biggest difference.

See reward addendum for details

A fresh trim, a shiny coat, and learning new tricks are all part of a happy, confident pet. Earn cash back on grooming and training services, so they can look, feel, and act their best.

See reward addendum for details

Earn 3X points on wellness essentials such as flea and tick medication, heartworm prevention, vaccinations, and even your pet’s microchip so you can have more joyful moments together.

See reward addendum for details

Pet stores 3x points

Every swipe rewards you and your pet.

  • A smarter way to pay

    Nibbles makes pet expenses effortless with automated rewards, seamless pet service integration, and a digital-first experience. Earn points on every purchase. 100 points equals $1, so you can put rewards toward what matters most.

  • Freedom to choose the best care

    Your pet’s health should never be limited. Nibbles works at any licensed vet across the U.S., with integrated claim processing and up to $10,000 in coverage.

  • Designed for pet owners, engineered for efficiency

    No wasted rewards. Sync your spending, streamline claims, and unlock exclusive pet perks, because managing pet expenses should be as smart as everything else in your life.

Additional Nibbles Mastercard benefits

With the Nibbles Mastercard, you’ll have access to even more exclusive benefits for your everyday life.

Having a lazy Sunday? Get pet food delivered. Get two months of free delivery with Instacart+ and $10 off your second order each month. Offer expires on 8/31/2025.

Learn more about World Mastercard benefits

Find pet friendly hotels and get up to 7% off on prepaid stays. Eligibility restrictions, exclusions, and terms apply. Offer expires 12/31/2025.

Learn more about World Mastercard benefits

Stay in with your furry friend and enjoy the cozy life. Offer expires 12/31/2025.

Learn more about World Mastercard benefits

Security that moves with you. With built-in fraud and identity theft protection, your card and claims stay secure, so you can focus on what matters.

Learn more about World Mastercard benefits

Unlock free pet friendly stays and exclusive offers at our partner hotels. Enjoy discounts on pet car rentals and dedicated support from our airport pet concierge.

Learn more about World Mastercard benefits

Shop worry free for your pet's needs, whether in-store or online. You're not held responsible for unauthorized charges on your card.

Learn more about World Mastercard benefits

Give them the care they deserve, without second guessing the cost

The Nibbles Card rewards you for every vet visit, grooming, and treat, making it easier to invest in their health, happiness, and well-being.

Get pre-approved today

$249 annual fee | Variable APR: US Prime + 17.74% (max of 29.99%)³

Nibbles is a Public Benefit Company

We are a Public Benefit Corporation, so giving back to the community is engrained in the way our company operates, now and forever. That’s why we've made an initial donation to Austin Pets Alive!, a nonprofit organization dedicated to keeping Austin (our hometown) a no-kill city. Our donation will help vaccinate 600 puppies and provide 4,200 meals for kittens!

Frequently asked questions

What is Nibbles?

What is the Nibbles card?

The Nibbles card is a first-of-its-kind credit card3 designed for pet owners, offering financial flexibility along with free pet insurance1 and exclusive perks and discounts.

What is Nibbles the company?

Nibbles is a public benefit company focused on building and providing products and services that make pet ownership easier, improve the lives of pets, and make loving your pet as simple as it should be. Learn more

How does Nibbles help pet owners save money?

With Nibbles, you get free pet insurance1 (up to $10,000 annually), 3X rewards on pet-related purchases2, and discounts on top pet products and services. Nibbles will also have exclusive offers and perks only for members. Nibbles is perfect for anyone who wants to streamline their pet expenses, earn rewards, and simplify managing pet healthcare.

Can I use the insurance at any vet?

Absolutely. Nibbles' pet insurance works at any licensed vet across the U.S. Pay with your card and file a claim through our dashboard.

Credit card features and benefits

What rewards can I earn with Nibbles?

Earn 3X points on eligible pet-related purchases and 1X points on everything else2. Points can be redeemed for pet-related items and experiences or as statement credits, redemption options change frequently and cardmembers can view more details in their member portal.

Is there a cap on how many points I can earn?

No, there’s no limit to your earning potential!

What other benefits does Nibbles offer?

In addition to rewards, Nibbles gives you access to exclusive pet services, partner discounts, and a seamless insurance claim process. The Nibbles card is a World Mastercard Program and has added benefits (subject to change).

What are the interest rates and fees?

The Nibbles Rewards Credit Card has a $249 annual fee3. The variable APR is based on the U.S. Prime Rate + 17.74% (currently 26.24%) and is subject to change (max 29.99%).

Eligibility and easy application

Who can qualify for the Nibbles card?

Start with a quick pre-qualification check that won’t impact your credit score. Eligibility is determined based on factors like your credit profile3 and having a qualifying pet2.

What’s the application process like?

You can apply online in minutes with a secure application process. We first get a little information about your pet and you, we check your eligibility through a no impact credit check before proceeding with a full credit pull.

What happens if I’m not approved for the card?

If you don’t qualify, you’ll receive an email with more information.

What happens if my pet is ineligible for coverage?

If your pet doesn’t qualify for coverage you can still become a Nibbles member and enjoy the exclusive benefits but without the pet insurance, however if you do get another pet please contact us and we can see if that pet qualifies for free Nibbles coverage.

Getting started with Nibbles

How soon can I start using my card?

After approval, you’ll receive your card in 5-7 business days. Digital access may be available sooner.

How do I activate my card and start earning rewards?

Activate your card online, upload vet records for your pet, set up your account preferences, and start earning rewards on your pet expenses right away.