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Terms & Conditions

I. Vital Care Program

II. Petco Pay Credit Card Program Special Financing Locations

III. Frequently Asked Questions

I. Vital Care Program

Please read these terms and conditions (“Program Terms”) carefully for important information about your rights and obligations in the Petco membership program (“Vital Care Program” or the “Program”). By participating in the Program, you agree to these Program Terms. Members (defined below, also referred to herein as “you” and “yours”) participating in the Program agree to be bound by these Program Terms.

Petco Animal Supplies, Inc. (also referred to herein as “Petco,” “we” or “us”) is solely responsible for Program operation and may withdraw from the Program or change the Program Terms at any time. The Program Terms may be supplemented with additional terms, conditions, and disclosures, including but not limited to applicable terms related to any promotional offers provided to you for use with the Program. All information collected about you in connection with the Program is subject to the respective privacy policies of Petco and, if applicable, Comenity Capital Bank. You can review Petco’s privacy policy at https://www.petco.com/petcopay/termsandconditions and Comenity Capital Bank's privacy policy at https://comenity.net/petcopaymastercard/images/privacy.pdf or https://comenity.net/petcopay/images/privacy.pdf.

These Program Terms are governed in accordance with the laws of the State of California without regard to its conflict of law provisions, unless the laws of your jurisdiction require that those laws apply. To the extent that any claims could be brought in court and except with respect to matters that can be heard in small claims court, you and Petco hereby expressly consent and submit to the exclusive jurisdiction of the state and federal courts located in the Southern District of California for the adjudication or disposition of any claim, action or dispute arising out of these Program Terms, including the Privacy Policy. The Federal Arbitration Act will govern the interpretation and enforcement of this arbitration agreement. Except as provided below, if any provision of these Program Terms is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Program Terms, which shall remain in full force and effect. No waiver of any provision of these Program Terms shall be deemed or construed a further or continuing waiver of such term or condition, of any other term or condition, or of any proceeding or succeeding breach of any provision in these Program Terms.

PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. IT CONTAINS PROCEDURES FOR MANDATORY PRE-DISPUTE RESOLUTION, BINDING ARBITRATION AND A CLASS ACTION WAIVER.

IRRESPECTIVE OF ANY LAW TO THE CONTRARY, YOU MUST PROVIDE NOTICE TO PETCO, PURSUANT TO THE PROCEDURES SET FORTH IN THIS SECTION, OF ANY CLAIM WITHIN ONE YEAR OF ITS ACCRUAL OR YOUR CLAIM SHALL BE WAIVED AND TIME-BARRED.

Pre-Dispute Resolution Process: Should you and Petco have a Dispute (as defined below), Petco is committed to engaging with you to resolve it. Therefore, for any Dispute that arises between you and Petco, the parties agree that they will first make a good faith effort to resolve it informally. This informal dispute resolution process is a condition precedent to commencing any formal proceeding in arbitration or small claims court. The parties agree that any relevant limitations period and filing fee or other deadlines will be tolled while the parties engage in this process.

For your Disputes with Petco, you must first send your name, address, telephone number, email address, and sufficient information for Petco to identify any transaction at issue; a detailed description of your Dispute; and the nature and basis of your claims and the relief sought, along with the calculation you used (the “Notice”) to the following email address: arbitration@petco.com. You and Petco agree to negotiate in good faith about the Dispute, including through an informal and individualized telephone or video settlement conference if requested by Petco. If either party to the Dispute is represented by counsel, that party’s counsel may participate, but the party also must personally appear at and participate in the settlement conference. This process should lead to resolution of the Dispute, but if the matter is not resolved within sixty (60) days after Petco’s receipt of the complete written description detailed above, you and Petco agree to the further dispute resolution provisions below. This time period will start to run upon receipt of the information referenced above. If the sufficiency of the Notice or compliance with this pre-dispute resolution process is at issue, either party may elect to have this issue decided by a court, and any formal dispute resolution proceeding shall be stayed pending resolution of the issue.

Arbitration: You and Petco agree that any and all controversies, disputes, demands, counts, claims, or causes of action between you and the Company, or the Company's employees, agents, affiliates, subsidiaries, successors, representatives, or assigns (“Dispute(s)”), shall be resolved through binding and confidential arbitration, except that you or the Company may elect to have a Dispute heard in small claims court if it qualifies for hearing by such a court, provided that an action in small claims may only seek individualized relief and so long as the action remains in that court and is not removed or appealed to a court of general jurisdiction. If the limitations on a small claims court proceeding are deemed unenforceable for any reason, it shall be severed from this agreement and the parties may not elect to proceed in small claims court, and the dispute shall be heard in arbitration. In addition, each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights. “Dispute” shall be interpreted broadly and shall also include all Disputes that arose before your agreement to these Petco Pay Terms, and which arise after the termination of this agreement. Notwithstanding the foregoing, issues related to the scope, validity, and/or enforceability of this arbitration agreement are for a court to decide.

There is no judge or jury in arbitration and arbitration procedures are simpler and more limited than rules applicable in court. YOU ACKNOWLEDGE AND AGREE THAT, APART FROM THE NARROW EXCEPTIONS ABOVE, YOU AND PETCO ARE EACH WAIVING YOUR RIGHTS TO SUE IN COURT, INCLUDING RIGHTS TO RECEIVE A TRIAL BY JURY OR TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION LAWSUIT, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING.

THE ARBITRATOR MAY AWARD DECLARATORY OR INJUNCTIVE RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF WARRANTED BY THAT PARTY’S INDIVIDUAL CLAIM. THE ARBITRATOR MAY NOT AWARD RELIEF FOR OR AGAINST ANYONE WHO IS NOT A PARTY TO THE ARBITRATION PROCEEDING. FURTHER, UNLESS BOTH YOU AND PETCO AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. IF A COURT DETERMINES THAT PUBLIC INJUNCTIVE RELIEF MAY NOT BE WAIVED AND ALL APPEALS FROM THAT DECISION HAVE BEEN EXHAUSTED (OR THE DECISION IS OTHERWISE FINAL), THEN THE PARTIES AGREE THAT THE PARTICULAR CLAIM FOR PUBLIC INJUNCTIVE RELIEF SHALL BE SEVERED AND STAYED PENDING ARBITRATION OF THE REMAINING CLAIMS. IF THIS SPECIFIC PARAGRAPH IS FOUND TO BE UNENFORCEABLE, THEN THE ENTIRETY OF THIS ARBITRATION PROVISION (EXCEPT FOR THE JURY TRIAL WAIVER) SHALL BE NULL AND VOID.

Arbitration shall be subject to the Federal Arbitration Act and federal arbitration law, and shall be conducted by Judicial Arbitration Mediation Services, Inc. (“JAMS”) pursuant to the JAMS Streamlined Arbitration Rules & Procedures (the "JAMS Rules") as modified by this arbitration agreement. The JAMS Rules, including instructions for bringing arbitration, are available on its website at http://www.jamsadr.com/rules-streamlined-arbitration. If JAMS is unable or unwilling to administer a proceeding under this arbitration provision as written, the parties shall agree on a substitute arbitration organization. If the parties cannot agree, the parties shall mutually petition a court of appropriate jurisdiction to appoint an arbitration organization that will administer a proceeding under this arbitration provision as written and applying the selected arbitration organization’s consumer rules. When initiating arbitration, you shall personally certify to Petco and to JAMS that you are a party to this arbitration agreement and provide a copy or link to it. You shall also personally certify that you have complied with the pre-dispute resolution process detailed above. You agree that you shall personally participate, along with your counsel if represented, in the initial conference with the arbitrator unless the parties agree otherwise.

Petco will pay its arbitration costs as required by JAMS rules, and in the event that you are able to demonstrate that the costs of arbitration will be prohibitive as compared to costs of litigation and you have complied with the pre-dispute resolution process outlined above, Petco will pay as much of your arbitration filing and hearing fees as the arbitrator deems is necessary to prevent the arbitration from being cost-prohibitive as compared to the cost of litigation. Each side shall pay their own attorneys' fees, costs, and arbitration fees unless the arbitrator finds, among other grounds, (1) that either the substance of a claim or the relief sought is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), or (2) the claim(s) at issue permit the prevailing party to be reimbursed its fees and litigation costs, and in such instances, the fees and costs awarded shall be determined by the arbitrator consistent with applicable law and with the JAMS Rules. The arbitrator may consider whether a party had previously offered full relief to the other party or whether the proceeding is part of multiple case filings. The provisions of Federal Rule of Civil Procedure 68 shall be applied by the arbitrator. The arbitrator shall be bound by these Petco Pay Terms as any court would be. The arbitrator shall issue a reasoned, detailed decision explaining the essential findings and conclusions on which the award is based. The arbitration award shall be binding only as to the parties. The arbitration may consider rulings in other arbitrations involving other claimants, but an arbitrator’s ruling will not be binding in proceedings involving different claimants.

The arbitration may be conducted by telephone, based on written submissions, or in person at a mutually agreed-upon location convenient for you. You agree to appear at an initial conference with the arbitrator and at any hearing, along with your counsel if you are represented. If fifty (50) or more claimants submit Notices raising similar claims and they are represented by the same or coordinated counsel, you understand and agree to the following provisions: (1) you agree that the adjudication of your Dispute may be delayed; (2) you agree that your counsel will negotiate in good faith with Petco to determine a reasonable staged bellwether process involving a subset of demands not to exceed fifty (50) at a time, each of which shall be adjudicated on an individual basis; (3) only after each of the arbitrations that proceed are adjudicated or otherwise resolved shall the next set of staged proceedings commence; (4) your Dispute shall not be filed or considered properly filed in arbitration and filing fees shall not be due and owing until it is selected for inclusion in this continuously staged, reasonable bellwether process. This process shall continue until all the claimants’ claims are adjudicated or otherwise resolved. The statute of limitations and any filing fee deadlines shall be tolled for your claim from the time of initiation with JAMS until the time your Dispute is selected for a bellwether process, withdrawn, or otherwise resolved. A court shall have authority to enforce this paragraph and, if necessary, to enjoin the mass filing of arbitration demands against Petco.

As referenced above, this dispute resolution section shall be governed by the Federal Arbitration Act. It shall survive any termination or cancellation of these Petco Pay Terms. Any amendments to this dispute resolution section shall be prospective only and shall not affect any pending Dispute for which Petco has notice or pending arbitration proceeding.

YOU AGREE THAT, BY ENTERING INTO THIS AGREEMENT, YOU AND PETCO ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY AND TO PARTICIPATE IN A CLASS ACTION TO THE MAXIMUM EXTENT PERMITTED BY LAW.

OPT-OUT OF AGREEMENT TO ARBITRATE: Petco’s updates to these Petco Pay Terms do not provide you with a new opportunity to opt out of arbitration if you previously agreed and did not validly opt out of arbitration. Petco will continue to honor any valid opt outs if you previously opted out of arbitration with Petco. To opt out of arbitration, you must send a notice via U.S. Mail to Petco at: Petco Legal Department, 10850 Via Frontera, San Diego CA 92127, or via email to arbitration@petco.com, and you must provide the following information: (1) your name, (2) your address, (3) your phone number, and (4) a clear statement that you wish to opt out of this arbitration provision. This opt-out notice must be received no later than thirty (30) days after the date you first become subject to this arbitration agreement. If you opt out of this agreement to arbitrate, all other provisions of these Petco Pay Terms will continue to apply to you. Opting out has no effect on any other arbitration agreements that you may have entered into with Petco or may enter into in the future with Petco.

Membership Eligibilty

No purchase is necessary to become a member (“Member’) of or to enroll in Petco’s Vital Care Core membership program. Employees of Petco, its affiliates and subsidiaries, and their spouses and dependents, are eligible to participate in Vital Care. Bulk buyers and resellers for Petco are not eligible to participate in Vital Care. Members must be 18 years of age or older and a legal resident of the United States to participate.

All prospective Members must provide their email address upon signup for Vital Care and agree to open Vital Care account (“Vital Care Account”) and transactional communications and rewards via email.

General Terms

Petco may email Member regarding Vital Care from time to time, including but not limited to providing Member (1) Vital Care Account statements, (2) Vital Care Rewards notifications, and/or (3) other transactional information. Member consents to these email notifications which are required as part of Vital Care membership. Members may opt-out of promotional email messages anytime at Petco.com, Petco.com/VitalCare, or within the App.

Petco Pay Credit Card and Petco Pay Mastercard® Holders

Petco Pay Credit Card. Members may apply for a Petco Pay Credit Card or Petco Pay Mastercard Credit Card, administered through Comenity Capital Bank. As a Member, if you are approved for either a Petco Pay Credit Card or Petco Pay Mastercard Credit Card and agree to the terms of the Petco Pay credit card account agreement with Comenity Capital Bank ("Card Agreement"), which governs the use of both types of Petco Pay credit cards, you will enjoy additional benefits as a Vital Care Member and a cardholder of either the Petco Pay Credit Card (“Petco Pay Cardholder”) or Petco Pay Mastercard Credit Card (“Petco Pay Mastercard Cardholder”), such as qualification for additional Vital Care points (“Points”) with purchases of qualifying products and services, as detailed in these Program Terms. While the Program may be related to your Card Agreement, these Program Terms are separate and independent from your Card Agreement. In the event of any conflict or inconsistencies between these Program Terms and your Card Agreement, these Program Terms will control in any matter relating to the Vital Care Program.

Points Disputes.Your billing rights and the special rights that apply if you are dissatisfied with your credit card purchases, which rights are set forth in your Card Agreement, do not apply to Vital Care. If you believe that a purchase made on your Petco Pay credit card account (“Petco Pay Credit Card Account”) should have resulted in the addition of Points to your Points balance in the Vital Care Program, and such Points are not reflected in the Points balance within forty-five (45) days from the date on which the purchase was posted to your Petco Pay Credit Card Account balance ("Points Dispute"), notify Petco immediately. If a Member believes their eligible purchase was incorrectly applied toward earning Vital Care Rewards, they may contact Petco Customer Relations at 888-824- 7257. Requests must be received by Petco Customer Relations within forty-five (45) days from the date of the purchasing or earning activity in question. Written requests should include the Member's name, Vital Care number, address, daytime telephone number, and/or e-mail address.

We will use reasonable efforts to investigate your Points Dispute so long as you notify us of such dispute within ninety (90) days from the posting date of such purchase. If you do not notify us within such ninety (90)-day period, you will have waived your right to make a Points Dispute with respect to that purchase. In order for us to undertake an investigation of your Points Dispute, Petco may require you to provide written confirmation of the dispute. If we do not receive the requested written confirmation at the address and within the time requested by us, we may in our sole discretion determine not to investigate your Points Dispute. Failure to supply adequate and unaltered documentation may result in denial of Point credit. Upon completion of our investigation of your Points Dispute, we will have no further responsibilities should you later reassert the same Points Dispute. Please see the “Points Accrual Rules” section below for additional information regarding disputes.

Rewards

“Net Eligible Purchases” are purchases of goods and services for personal, family or household use, minus any refunds for returns of goods or any other refunds, and do not include any insurance purchases, payments of any taxes or shipping costs, the amount(s) of any coupons used or promotions provided in connection with a purchase.

As described in more detail below, Members will earn Points for every dollar spent on Net Eligible Purchases at any US-based Petco retail store, any Unleashed by Petco retail store, at petco.com and/or on the Petco App (each a “Petco Location” and collectively, “Petco Locations”). Vital Care Program currency (“Vital Care Rewards”) are denominated in U.S. Dollars. Members will earn $5 in Vital Care Rewards after accruing 167 Points based on the earning opportunities set forth below.

When you redeem Vital Care Rewards while making a purchase, the value of the Vital Care Rewards will be applied against the total purchase price, including applicable taxes and fees.

Points earned or issued under the Vital Care Program are based on total Member spending on Net Eligible Purchases at any Petco Location, as defined above. Points will not be earned on payments of any taxes or shipping costs, or for the amount(s) of any coupons used or promotions. If you are only a Vital Care Member and not a Petco Pay credit cardholder, Points will not be earned for purchases of gift cards. If you are a Vital Care Member and a Petco Pay credit cardholder, you will receive Points for purchases of gift cards. Neither Points nor Vital Care Rewards have any cash value.

Members must provide the number associated with their Vital Care Account at the point of checkout to receive Points for their purchase. To receive Points for purchases at petco.com or on the Petco App, Members must be logged into their Petco.com account. Other petco.com or Petco App payment methods, including guest checkout, are not eligible to earn Points towards Vital Care Rewards. Members are responsible for maintaining accurate and updated personal information online at petco.com or on the Petco App.

Insurance purchases are excluded from the Vital Care Program and no Points and Vital Care Rewards will be earned on any insurance purchases.

Vital Care Rewards are not assignable, saleable, transferable, replaceable, or redeemable for cash. Petco is not responsible for Vital Care Rewards not received as a result of the failure by Members to provide accurate email addresses and/or update their personal information.

Subject to the “Cancellation and Termination Policy” section below, membership in the Vital Care Program is continuous, and no subsequent registration is required. Points or Vital Care Rewards earned on a Net Eligible Purchase which is then returned or exchanged may be deducted from Member's Vital Care Account balance. Returns may cause a negative Vital Care Rewards and/or Points balance.

Vital Care Program. As a Member of Vital Care, you will earn:

  • 1 Point for every $1 spent on all Net Eligible Purchases completed at any Petco Location through cash, credit card, debit cards, checks or using Petco gift cards when you provide a valid Vital Care number at check-out.

Petco Pay Credit Card. As a Member of the Vital Care Program and a Petco Pay Cardholder, you will earn:

  • An additional 1 Point for every $1 spent, on top of the 1 Point earned for every $1 spent for those Net Eligible Purchases as a Member of the Vital Care Program, equaling 2 Points for every $1 dollar spent on Net Eligible Purchases at any Petco Location when you use the Petco Pay Credit Card to complete the transaction.

Petco Pay Mastercard Credit Card. As a Member of the Vital Care Program and a Petco Pay Mastercard Cardholder, you will earn:

  • An additional 1 Point for every $1 spent, on top of the 1 Point earned for every $1 spent for those Net Eligible Purchases as a Member of the Vital Care Program, equaling 2 Points for every $1 dollar spent on Net Eligible Purchases at any Petco Location when you use the Petco Pay Mastercard to complete the transaction.
  • 2 Points for every $3 on completed, unreturned purchases made at grocery stores*, using your Petco Pay Mastercard Credit Card.
  • 1 Point for every $3 on completed, unreturned purchases made using your Petco Pay Mastercard Credit Card made everywhere else MasterCard is accepted.

*Reward Merchant Classification Codes: Merchants who accept Visa or Mastercard are assigned a merchant classification code (“MCC”), which is determined by the merchant or its processor in accordance with Visa or Mastercard procedures based on the products and/or services they primarily sell. Comenity Capital Bank and Petco do not control the assignment of these codes and are not responsible for incorrectly coded purchases. Even though a merchant or some of the items it sells may appear to fit within a certain rewards category, the merchant may not have a code in that category. Purchases made with third-party payment accounts, including but not limited to PayPal and Venmo, will not earn additional Points or Vital Care Rewards.

To remain eligible to earn Points through your Petco Pay Credit Card or MasterCard, your Petco Pay Credit Card Account must be in Good Standing. “Good Standing” means your Petco Pay Credit Card Account is (1) open to new charges, (2) not more than sixty (60) days past due under the Card Agreement, and (3) not flagged as lost, stolen, or fraudulent according to Comenity Capital Bank's written or electronic records.

Points and Vital Care Rewards are only earned on Net Eligible Purchases. Points and Vital Care Rewards are not earned on: returns, refunds, credit adjustments at Petco, purchases using any type of promotional financing, unauthorized or fraudulent charges, charges that violate the terms of your Card Agreement, balance transfers, cash advances, transactions treated similar to cash advances, interest charges, and fees of any kind.

Petco may temporarily prohibit you from earning Points or Vital Care Rewards, using Vital Care Rewards, or using any features of the Program if: your Petco Pay Credit Card Account becomes delinquent; Comenity Capital Bank suspects that you or any authorized user has engaged in fraudulent activity related to your Petco Pay Credit Card Account or the Program; or Petco suspects that you misused the Program in any way.

Vital Care Rewards awarded for purchases that do not remain Net Eligible Purchases will be deducted from your Vital Care Rewards balance. Returned items may result in credits being applied to your Petco Pay Credit Card Account, which will correspondingly reduce or may eliminate accumulated Vital Care Rewards in your Vital Care Account and may result in a negative Vital Care Rewards balance. If your Vital Care Rewards balance goes negative, you must first earn Vital Care Rewards to bring your Vital Care Rewards balance to zero (0) before earning any Vital Care Rewards eligible for redemption. Petco and Comenity Capital Bank reserve the right to verify and adjust Vital Care Rewards , as applicable, at any time.

Bonus Reward Dollars for Special Petco Pay Credit Card Offers

From time to time, we may make special offers for you to earn additional Points for Net Eligible Purchases. These additional points are called “Bonus Points.” The way to earn Bonus Points, and the Bonus Points that can be earned, may vary. Read each offer carefully, as there may be important conditions or limitations, such as blackout periods, Bonus Point limits, or exclusions. You may have to register to qualify for the offer. We may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Points already earned. Your Net Eligible Purchase must be completed and the transaction charged to your Petco Pay Credit Card Account during the special offer period in order for you to earn the applicable Bonus Points. For mail order, special order, online, Petco App and other purchases, please be aware that we may not charge your Petco Pay Credit Card Account until items purchased have shipped. During special offer periods, making a return in the same transaction as your purchase may result in earning fewer Points because Points are calculated off of your Net Eligible Purchase (in this case, your purchase minus return).

Points Accrual Rules

Member is solely responsible for any federal, state and local taxes associated with any purchases where applicable. Points are earned Net eligible transactions completed at any Petco retail store; online at Petco.com; and/or via the App, through cash, credit card or using Petco gift cards.

Purchases made by Members to buy Gift Cards, and donations made by Members to Petco Love or other charities (both monetary donations and donations through the purchase of specific merchandise), are not eligible to earn Points unless you are a Petco Pay credit cardholder. Taxes and shipping costs are not eligible to receive Points. If Member's Account is inactive for 90 days, any Points accumulated towards Vital Care Rewards will be reset to zero (0). A Member's Account is considered inactive when there have been no new purchases posted to the Account.

Petco Pay Credit Card and Petco Pay Mastercard Credit Card.Points and Vital Care Rewards will expire within one (1) year from the earned date for all Points on a 12-month rolling basis if a purchase was made within the last year. If a Vital Care Member is no longer a Petco Pay Cardholder or a Petco Pay Mastercard Cardholder, Points will reset to 90 days expiration for inactivity and the Vital Care Rewards will reset to 30 days expiration for Vital Care Core Members and 45 days for Vital Care Premier Members.

Vital Care Rewards Issuance and Redemption

Vital Care Rewards will be issued to Member at the rate of five (5) Vital Care Rewards for every 167 Points earned by Member, which Member may use towards $5 off any future purchase. Vital Care Rewards may be displayed in the Member's Account at Petco.com, Petco.com/VitalCare, and/or in the App. Members are required to load their earned Vital Care Rewards to their Account in order to use the Rewards during a purchase. Members can do so by logging onto their Account online or in the App, or by calling Petco Customer Relations at 888-824-7257.

Vital Care Rewards shall only be redeemable on future purchases with a balance owed that is equal to or greater than $5. Vital Care Rewards cannot be partially redeemed or redeemed on a purchase that is less than $5. Vital Care Rewards cannot be redeemed in full or in part for cash, gift cards or gift certificates. Petco is not responsible for lost or stolen Vital Care Rewards. All Vital Care Rewards expire upon 30 days of issuance date for Vital Care Core members and 45 days for Vital Care Premier members who are not Petco Pay Cardholders or Petco Pay Mastercard Cardholders.

Vital Care Rewards for members who are Petco Pay Cardholders or Petco Pay Mastercard Cardholders will expire on a date that is 365 days from the Vital Care Rewards issuance date. If a Vital Care Member is no longer a Petco Pay Cardholder or a Petco Pay Mastercard Cardholder.

Vital Care Rewards can be redeemed in any Petco retail store; on Petco.com; or within the App. Vital Care Rewards cannot be redeemed at Just Food For Dogs Kitchens, or at any third-party partner. Vital Care Rewards will be applied prior to any other coupons at point of sale.

Points and Reward Coupon Return Policy

If Member returns merchandise that was purchased with Vital Care Rewards, the returned value of the merchandise will only equate to the total cash or credit originally charged. Vital Care Rewards and/or coupons applied to the original transaction will not be credited back to the Member. If a Member returns an item that earned the Member Vital Care Points, the applicable number of Points will be deducted from their Account.

Member Benefits

Members may be offered certain benefits (“Benefits”), including pet birthday gifts and welcome kits. Benefits may require the completion of certain activities, for example, completing a pet profile. The Benefits available for Members to choose from will be displayed in their Vital Care Account, which is accessible online at Petco.com or on the Petco App.

Physical Benefits may only be redeemed in a participating retail Petco Location. Petco cannot guarantee the availability of a physical Benefit at a retail Petco Location; supplies are limited, and Benefits are available while supplies last.

Benefits may be subject to additional terms and conditions, including a limit to the number of a Benefit that a Member can receive. These additional terms and conditions shall be established from time to time and are subject to change in Petco’s sole discretion. Benefits have no cash value and are not redeemable for cash.

Members are solely responsible for safeguarding their Benefits and protecting them from theft or unauthorized use and Petco will not replace lost or stolen Benefits.

Cancellation and Termination Policy

Petco maintains the right to terminate Member's participation in Vital Care Core at any time. Upon termination, Member will forfeit any Points and/or Vital Care Rewards Repeated returns of merchandise for which Points and/or Vital Care Rewards have been awarded may result in termination of Member's participation in Vital Care Core if, in Petco's sole discretion, such behavior is determined to be fraudulent.

Please note that Petco may retain certain personal information subsequent to termination, as required by law or for legitimate business purposes. We may also retain cached or archived copies of personal information about you for a certain period of time. For additional information on how Petco maintains personal information, please see our Privacy Policy.

Modification of Program Policy

Petco reserves the right to modify and/or terminate Vital Care Core and/or these Terms & Conditions at any time without notice. Terms & Conditions for the will be posted at Petco.com.. Member's continued participation in Vital Care Core, including use of an Account, Points and/or any Vital Care Rewards, shall indicate Member's acceptance of these Terms & Conditions.

Member Terms of Use and Privacy Policy

Petco's Terms of Use and Privacy Policy shall apply to a Member's membership and participation in the Vital Care Program.

Release of Liability

-Member hereby agrees to release Petco, its affiliate entities, and their respective officers, directors, employees, and agents from and against any and all liability relating to such Member's Vital Care Program membership and/or these Program Terms.

Governing Law

These Program Terms shall be governed by and construed under the substantive laws of the state of California, without reference to conflict-of-laws.


II. Petco Pay Credit Card Program Special Financing Locations

Minimum payments are required for each Credit Plan. Valid for single transaction only. Each transaction placed on a promotional Credit Plan(s) will not earn reward(s).

Special financing excludes Just Food For Dogs Kitchens, Thrive Vet Hospitals, or at any third-party veterinary partner located within a Petco.

Offer includes qualifying purchases at Petco, Petco.com, and limited Vetco Total Care Vets.

Excluded Vetco Total Care Locations:

FLORIDA

Store #1516
2565 NE 10TH CO
HOMESTEAD, FL 33033

Store #1587
3551 W. HILLSBORO BLVD
DEERFIELD BEACH, FL 33442

Store #1780
1009 E COMMERCIAL BLVD
OAKLAND PARK, FL 33334

Store #1789
9960 GLADES ROAD
BOCA RATON, FL 33434

Store #2512
15895 PINES BLVD
PEMBROKE PINES, FL 33027

Store #2549
9200 WILES ROAD
CORAL SPRINGS, FL 33067

Store #2712
18579 S. DIXIE HWY
MIAMI, FL 33157