Get free pet insurance coverage¹ and earn unlimited 3X points on eligible pet expenses² with the Nibbles credit card³
Free coverage up to $10,000 per year for eligible pets
Earn 3X points on eligible pet care and expenses
Nibbles members save over $500 per year on average⁺
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Enjoy Benefits
Rest easy with Nibbles coverage & rewards
Get what your pet needs including insurance and healthcare coverage¹ along with rewards² on purchases for your pet.³ View a sample policy
Tooth Extractions, Surgeries, Wound Care, ACL Tears, Organ or Heart Valve Transplants.
Emergency Vet Treatments, Foreign Object Ingestion, Toxic Poisoning, Bites & Stings.
Injections and prescription medications used at the veterinary office to treat your pet
Diabetes, Cancer, Genetic Disorders, Breed Conditions, Hip Dysplasia, Digestive Problems.
Laboratory Tests, Poison Control Consultation, MRI/CAT Scans, X-rays & Ultrasounds.
Dental Disease & Fractures, Medical Supplies, Overnight Hospital Stays, Rehabilitative Care.
The Nibbles card covers pet insurance up to $10,000 in yearly health coverage¹ and you earn 3X points on each dollar spent on everyday pet essentials² with a $249 annual fee³. See rewards addendum for details.
| Yearly pet expenses | Cost without Nibbles* | Cost with Nibbles |
|---|---|---|
| Pet Insurance Coverage | $640 | $0 |
| Food | $1,520 | $1,474 |
| Heartworm, Flea, & Tick Medsest | $219 | $212 |
| Grooming | $287 | $278 |
| Vaccines & Routine Care | $162 | $157 |
| Toys | $140 | $136 |
| Treats | $270 | $263 |
| Walks & Boarding | $162 | $157 |
| Accessories & Misc | $879 | $853 |
| Annual Fee³ | $249 | |
| Annual Cost & Savings | $4,279 | $3,779 |
*Estimated costs based on a Rover survey of 1,500 US pet parents conducted in March 2023 via Pollfish, your savings may vary.
+$500 annual savings calculated from 3X points accrued on eligible pet expenses and savings related to pet health coverage
Use the drop down for a side-by-side review of Nibbles coverage compared to other top pet insurance providers.
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*Varies by state. Quote Data Sampled 2024
The $249 annual fee³ is applied on your first credit card statement and on the same monthly statement in each following year that your card is active.
We're here to help pets lead better lives, so we hold everything up to one simple question: Will this help pets?
We designed our policies and platform to make it as easy to care for your pets as it is to love them.
We’re ahead of the pack with leading healthcare options provided to you and your pet at an affordable price.
We care about animals, and those aren't just words.
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!
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
Saving Money with Nibbles
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.
Who should use the Nibbles card?
Nibbles is perfect for anyone who wants to streamline their pet expenses, earn rewards, and simplify managing pet healthcare.
Understanding Nibbles’ Pet Insurance
What does the included pet insurance cover?
The included pet insurance1 helps cover costs for accidents and illnesses, with an annual benefit of up to $10,000.
Is the pet insurance truly free?
Yes! The pet insurance is included as part of your $249 annual fee3.
Can I use the insurance at any vet?
Absolutely. Nibbles' pet insurance works at any licensed vets across the U.S. Pay with your card and file a claim through our portal.
Does the included pet insurance cover preventive care like annual wellness visits, vaccines, teeth cleanings, etc.?
The included pet insurance coverage is for accidental injury and/or illness, however approved cardholders will be able to enhance and add coverages, like a wellness plan that allots for preventive care including vaccinations, wellness visits, dental care and more.
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.
What if I have multiple pets, can I get coverage for them?
Yes! Approved cardmembers can add a pet through their personal Nibbles customer portal.
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.
Contact us! Our team is available on regular business days, Monday to Friday, 8am-5pm Central Time, and closed on bank holidays.
