The first all-in-one pet rewards credit card

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    Built-in pet insurance¹

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    3x rewards on pet & vet purchases²

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    Automated claims

Apply now

$249 Annual Fee³

Terms & conditions apply Variable APR: US Prime + 17.74% (max of 29.99%)³

Pet insurance should be affordable

Protect your pet from accidents & illnesses with the Nibbles card1

  • Nibbles card insurance benefit

  • Average U.S. cat insurance

  • Average U.S. dog insurance

According to 2024 data from the North American Pet Health Insurance Association

With Nibbles you get

  • Up to $10K in yearly coverage

  • Automated claim service

  • 80% coinsurance after deductible

  • $500 annual deductible

What is and isn't covered?

Want more for your pet?

Tailor your insurance to your needs (and get 3x rewards back too)

  • Add multiple pets

    Get up to 5% off for additional dogs or cats

    Average cost: Varies

    Up to 5% off
  • Wellness Plan (Preventative)

    Flea medications, vaccines, & more

    Average cost: +$276/year

  • Vet Visits & Exam Fees

    Added to 40%+ of customer’s plans

    Average cost: +$47/year

  • Prescription Rx Coverage

    Covers 950+ take-home medications

    Average cost: +$47/year

  • Physical Therapy

    Get your pet back on their paws

    Average cost: +$16/year

See all upgrades

What our customers are saying

  • Great idea for pet owners- my last insurance carrier has stopped doing insurance, so to have a new option that is straight forward is fantastic.

    Jenny K

    March 28, 2025

  • Love the pet insurance aspect of this credit card!! Extremely easy to submit claims and reimbursements for my pet bills!

    Cory Y

    April 10, 2025

  • Cassandra was excellent and quick to respond. My first interaction and I could not have asked more. Please keep up the good work!!

    James M

    April 29, 2025

Read Trustpilot reviews

More rewardsmeans more treats

Unlimited 3x rewards on pet stores, pet services, and at any licensed vet. Get 3x rewards on the full cost of your vet visit too, not just the cost after insurance.

Vaccinations

Medications

Pet Food

Grooming

Training

Boarding

Paws can't fill out forms, so we'll file the claims for your pet

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    Tap... and you’re done!

    Pay with your Nibbles card at the vet.

  • 2

    We file

    Leave this to us. We’ll reach out if we need anything and keep you updated.

  • 3

    You get reimbursed

    Sit back, relax, and get paid back.

Helping pets is in our DNA

We care about pets so much we made Nibbles a Public Benefit Corporation, legally obligating us to make a positive public impact with our business.
Learn more about our team

Our base insurance policy

Waiting periods in
are days for injury, days for illness, and days for a cruciate ligament event.
  • What’s covered
  • Procedures

    Emergency Tooth Extractions, Surgeries, Wound Care, ACL Tears, Organ or Heart Valve Transplants.

  • Illnesses

    Diabetes, Cancer, Genetic Disorders, Breed Conditions, Hip Dysplasia, Digestive Problems.

  • Diagnostics

    Laboratory Tests, Poison Control Consultation, MRI/CAT Scans, X-rays & Ultrasounds.

  • Medications

    Injections and medications used at the veterinary office to treat your pet.

  • Accidents

    Emergency Vet Treatments, Foreign Object Ingestion, Toxic Poisoning, Bites & Stings.

  • Supportive Care

    Dental Disease & Fractures, Medical Supplies, Overnight Hospital Stays, Rehabilitative Care.

  • What’s not covered
  • Available as a policy add-on
  • Vet exam fees

  • Take-home prescriptions

  • Preventative care (Wellness plan)

    Reimbursement for teeth cleaning, vaccines, flea medication, & more

  • Pre-existing conditions

  • Non-emergency dental work

  • Training/obedience class

  • Boarding

  • Breeding, pregnancy, or birth expenses

  • Issues that occur during a waiting period

  • Prescription food

  • Cosmetic or elective procedures

  • Biohazard fees

Want to know more? Check out a Sample Illness & Injury Policy

Protect your pet and get rewarded

The Nibbles card has pet insurance included so your pet is protected. Plus, get 3x rewards on pet and vet purchases.

Apply now

$249 Annual Fee³

Variable APR: US Prime + 17.74% (max of 29.99%)³

Frequently Asked Questions

  • What is the Nibbles card?

    The Nibbles card is a first-of-its-kind credit card designed for pet owners, offering financial flexibility along with built-in pet insuranceand 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
  • The average annual cost of pet insurance in the US according to NAPHIA is $750 for dogs and $386 for cats. With Nibbles, pet insurance is built-in to the credit card as an added benefit. You also get 3x rewards on pet stores, pet services, and at any licensed vet. Nibbles will also have exclusive offers and perks only for members in the near future. Nibbles is perfect for anyone who wants to streamline their pet expenses, earn rewards, and simplify managing pet healthcare.
  • We provide coverage for dogs and cats that are at least 7 weeks old. This ensures that your young pets can start benefiting from our services as soon as they reach a safe and healthy age.
  • Absolutely. Nibbles' pet insurance works at any licensed vet across the U.S. Pay with your card and file a claim through our dashboard or we can automatically file the claim for you.
  • What rewards can I earn with Nibbles?

    Earn 3x rewards² on eligible pet purchases at pet stores, on pet services and at any licensed vet. You also get 1x rewards (1 point = $0.01) on everything else, wherever Mastercard is accepted. Rewards can be redeemed for statement credits currently, but redemption options change frequently so there are more options coming. Card members 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 fee. The variable APR is based on the U.S. Prime Rate + 17.74% (currently 25.24%) and is subject to change (max 29.99%).
  • 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 profile and having a qualifying cat or dog.

    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 the included Nibbles coverage.
  • 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.
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