All Pet Card

What All Pet Card does

All Pet Card, LLC is a US-based fintech founded in 2022 and launched in 2023 that offers a credit card product designed exclusively for pet care expenses. The company does not hold a banking license; the All Pet Credit Card is issued and serviced by Comenity Capital Bank (now part of Bread Financial), which handles underwriting, account management, billing, and payment processing under All Pet Card's branding. Cardholders can prequalify through a soft credit inquiry on the company website (allpet.com) or via QR codes at participating providers, with decisions delivered immediately and no impact to the applicant's credit score.

The product is a single revolving credit line structured around three promotional deferred-interest tiers: 6 months on purchases of $250 or more, 12 months on $500 or more, and 18 months on $700 or more. The standard purchase APR is 32.99% variable with a penalty APR up to 39.99%, and the card carries no annual fee, no down payment requirement, and a $2.99 monthly paper-statement fee that is waived with paperless enrollment. The card is restricted to pet-related merchants and can only be used at participating pet care providers, which include veterinary hospitals and clinics, emergency and specialty practices, boarding, daycare, grooming, training, and providers of prescriptions and preventatives.

The business model is built on a two-sided channel: merchant transaction fees paid by participating pet care providers, plus interest income on revolving balances. The go-to-market is exclusively through the participating provider network, which All Pet Card enrolls via a self-serve Zoho form, field sales outreach, a digital resource center, downloadable marketing toolkits, and two referral programs (pet-owner-to-provider and provider-to-provider). The company has 1-10 employees, is headquartered in the St Louis area, and shows no disclosed funding, ownership, management team, M&A, or partnership activity beyond the core Comenity/Bread Financial issuing relationship.

Name

All Pet Card

Legal name

All Pet Card, LLC

Website

https://allpet.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

All Pet Card, LLC operates a US credit card product, issued by Comenity Capital Bank, that is usable exclusively at participating pet care providers for veterinary, emergency, grooming, training, and boarding expenses on promotional deferred-interest terms.

Ownership category

akta.pro rank

Product category

Pet Care Consumer Financing

NAICS

Credit Card Issuing (52221)

akta.pro primary industry

Private-Label & Store Card Schemes (FSAMAAAE)

Keywords

• Pet care financing
• Veterinary credit card
• Consumer lending
• Deferred interest financing
• Specialty pet payments

Headquarters

HQ city

St Louis

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Credit Card Interest: Revolves credit card balances with promotional deferred interest financing (6, 12, or 18 months) and standard APR of 32.99% (as of 05/2026). Interest charged if promotional balance not paid in full within promotional period.
2. Merchant Transaction Fees: Pet care providers pay transaction fees when card is used. Testimonials indicate lower fees compared to other pet financing options.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

All Pet Card operates a specialty consumer credit card branded for pet care expenses, issued through Comenity Capital Bank. The card is accepted exclusively at participating pet care providers (veterinary hospitals, clinics, boarding, daycare, grooming, and training) and offers promotional deferred-interest financing of 6, 12, or 18 months. Cardholders prequalify via soft inquiry with no impact to their credit score and pay no annual fee or down payment.

Product overview

All Pet Card is a single credit card product offering specialized financing for pet care expenses. The product portfolio centers on the All Pet Credit Card, a branded financing tool exclusively available through participating pet care providers. The core card enables pet owners to pay for veterinary care, boarding, training, and grooming over time with promotional no-interest periods. Supporting offerings include a prequalification service, payment calculator tool, provider dashboard, resource center for practice enrollment and training, digital marketing tools, and referral programs for both pet owners and pet care providers. All credit card accounts are issued by Comenity Capital Bank, with operational support from Bread Financial.

Differentiator

Problem solved

Functional benefit

Products and services

• All Pet Credit Card A credit card designed for pet owners that provides special financing options for pet care expenses including veterinary visits, boarding, training, grooming, and prescriptions. Cardholders can pay over time with no down payment and no annual fee, with promotional periods offering no interest if paid in full within 6, 12, or 18 months depending on purchase amount. Issued by Comenity Capital Bank.
• Prequalification Service Soft inquiry-based eligibility check that allows potential cardholders to determine credit approval without impacting their credit score, providing immediate results.
• Payment Calculator Online tool that helps cardholders estimate their monthly payments based on total cost of care, showing suggested payments for promotional financing plans.
• Provider Dashboard Web-based portal for pet care providers to manage All Pet Card accounts, view transactions, and access account management features.
• Resource Center Online portal providing pet care providers with payment plan information, training materials, digital marketing assets, and downloadable promotional content for accepting All Pet Card.
• Digital Tools Collection of downloadable logos, website copy templates, QR codes, and social media assets that pet care providers can use to promote All Pet Card payment options to their clients.
• Pet Owner Referral Program Program allowing pet owners to refer their pet care providers to accept All Pet Card by submitting provider contact information through an online form.
• Practice Referral Program Program allowing existing pet care providers to refer other practices to join All Pet Card network by submitting colleague contact information.

Quantifiable outcome

• 67% of clients that applied have been approved at one practice
• +1 more outcomes

Named customers8 records

Segments2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Emerging players

• Sunbit: Point-of-sale financing provider expanding into veterinary and pet care verticals. Competes at the same provider point of sale but with a BNPL-style structure rather than a revolving credit card.
• Pawp: Pet care subscription and telehealth service for pet owners. Adjacent rather than directly competitive, but addresses the same pet owner financial-and-care decision and could expand into financing-adjacent offerings.

Direct peers

• CareCredit: Synchrony Financial's healthcare financing credit card, including the dominant pet veterinary financing product. All Pet Card's own provider testimonials reference CareCredit by name as the primary competitor on fees and approval rates.
• Scratchpay: Pet-specific point-of-sale financing offering installment loan products to veterinary patients. Targets the same pet owner / vet practice customer pair with a different structure (installments rather than revolving credit).
• VetBilling: Payment plan management service designed for veterinary practices, allowing clinics to offer in-house financing. Competes in the same pet care financing value proposition via a different mechanism than revolving credit.

Broad incumbents

• Bread Financial: Formerly Comenity Capital Bank, the issuing bank partner behind All Pet Card. Operates a portfolio of private-label and co-branded credit cards across many verticals and is also a potential competitor or white-label partner in the pet vertical.
• Klarna: Global BNPL provider that competes for share of consumer financing at point of sale. Increasingly relevant as BNPL expands into service categories including pet care.
• Affirm: Public point-of-sale financing company offering pay-over-time products. Could expand into pet care financing and competes more broadly for share of consumer credit-driven spend at vet practices.
• Synchrony Financial: Parent company of CareCredit and a major issuer of private-label and co-branded credit cards across retail and healthcare verticals. The closest large-scale analogue to All Pet Card's model and its most formidable competitor.
• Wells Fargo Health Advantage: General-purpose healthcare financing credit card offered through participating veterinary and dental providers. Competes with All Pet Card at the veterinary practice point of sale as a generalist healthcare card.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/allpetcard
• LinkedInlinkedin.com/company/all-pet-card

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about All Pet Card