Nibbles Credit Card Review by CardRatings

Nibbles Credit Card Review 

This card isn't your average plastic — it's designed with devoted pet parents in mind. Imagine getting free pet insurance just for using your card, plus earning rewards on all those pet-related expenses. If your world revolves around your beloved companion, this card could be a game-changer for your wallet and your pet's health.

Written by
Geoff Williams
Edited by
Jennifer Doss
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Key Features

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Editor Analysis:

Pros
  • Free pet insurance (for one pet): This is the standout perk. With average annual pet insurance costs ranging from hundreds to over a thousand dollars, getting up to $10,000 in coverage for accidental injury and illness at no additional cost can lead to significant savings for devoted pet parents.
  • Pet-focused rewards: You earn 3X points (essentially 3% cash back) per dollar spent on pet-related expenses, including vet visits, pet food, and toys. This incentivizes spending on your pet's needs while earning rewards.
  • Automated claims process: When you pay your vet bill with the card, the company can automatically initiate the claims process, potentially saving you paperwork and hassle often associated with traditional pet insurance.
Cons
  • The free pet insurance is for one pet and may not cover pre-existing conditions, preventative care, or certain medications. Older or already ill pets may not be eligible, and there are waiting periods for coverage to kick in. You'd also need to pay extra for additional pets or a more comprehensive wellness plan.
ALTERNATE CARD TO CONSIDER

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Are you a devoted pet parent? The card_name may be a card you’ll want to apply for. It’s a pet credit card that actually has, as a perk, free pet insurance. You can also get rewards for pet-related expenses.

How does the card_name work?

card_name, issued by Lead Bank, is a credit card like any other – but with two very unique features: Its rewards are pet focused, and it has built-in pet insurance.

It is the pet insurance perk that probably excites a lot of credit card spending pet owners. Pet insurance, after all, isn’t cheap. According to the North American Pet Health Insurance Association, the average insurance policy for dogs is $749.29 a year, and for cats, $386.47 annually. So, to get free annual pet insurance covering up to $10,000 is no small thing.

This is pet insurance designed for accidental injury and illness and can be used at any licensed veterinarian’s office in the United States. You’ll get 80% coverage and a maximum deductible of $500.

So how does it work? As you would expect, you pay your vet bill with your card_name – and file a claim. If you pay your vet bill with another credit card, you won’t be able to use your pet insurance. So, keep that in mind, if you’ve got a handful of credit cards stuffed in your wallet.

Does the card_name offer any rewards or cashback?

It does. In fact, you’ll get 1X point per dollar for every purchase and for any vet or pet purchases (like cat toys), you’ll get 3X points (3% cash back) per dollar spent.

Beyond that, there are no rewards, so if you just have goldfish you never spend any money on, you can probably do better with a better rewards credit card, but if you have a dog, a cat, a reptile or any other furry or scaly family member that you spend a lot of money on, the card_name could make owning a pet a bit cheaper.

Rewards can be redeemed for statement credits currently, but Nibbles’ website says more redemption options are coming.

Are there any signup bonuses with the card_name?

There are no sign-up bonuses offered with the Nibbles Credit Card. That said, you could argue that the free pet insurance that comes with the card is sort of like a sign-up bonus, or more of an ongoing bonus.

How do I apply for the card_name?

The process of applying for a card_name isn’t any different from applying for any other credit card. You’ll answer a few personal and financial questions, such as your age and what your annual income is, at the credit card issuer’s website, and you should have an answer to whether you’ve been approved or not within a few minutes. You’ll also be asked questions about your pet, so you can learn (before applying) whether your pet is eligible for the insurance.

For instance, if your pet already has a lot of health conditions, you probably won’t be able to get the insurance, which is typical with pet insurance policies, unfortunately.

Is the card_name safe and secure to use?

The card_name is safe and secure – as much as any other credit card, anyway. It’s issued by Lead Bank, which is a member of the Federal Deposit Insurance Corporation (in other words, the federal government backs them). It’s a credible credit card, issued by a credible bank, and it’s licensed under Mastercard International.

Is there an annual fee for the card_name?

No, there is no annual fee for the Nibbles Rewards Credit Card. There used to be, so if you see a reference to an annual fee on the internet, that’s old information. There was a rather robust $249 fee, which likely paid for the pet insurance, which is now built into the credit card and is a free perk for its cardholders.

How does the card_name compare to other cards?

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What should I consider before applying for the card_name?

The main thing to consider is – do you have a pet that is eligible for the free pet insurance, and do you spend enough on your pet that the credit card is going to be worth it?

We all have a lot going on in our lives. You may prefer a credit card that gives you a lot of cash back on dining, grocery shopping, gas or streaming services. You may have pets but feel that you don’t need health insurance for them. Or maybe you rarely get cat and dog toys, and the amount of money you spend on pet food isn’t really setting you back.

But if you’re a devoted pet parent, and you feel like your vet is your best friend, and that your pet store is a second home, you can see how and why getting a card_name could work out really well for you.

Possibly. Again, keep in mind that not every pet will be eligible. Older and already ill pets tend to not make the cut. Generally, if you’re getting a new, young pet, that’s probably the best time to consider applying for the card_name.

Also, your free pet insurance is for one pet. If you have two or three pets and want to cover them, too, you would have to pay Nibbles for the extra coverage (the cost varies depending on the pet), and if you want a preventive pet insurance wellness plan, so your pet insurance isn’t simply covering accidents and injuries, but also expenses like checkups and flea medication for your pet, you’d spend more – an average of $276 a year. If you want to cover exam visits and medicine, your costs go up even more.

Finally, this is pretty standard, but depending on the state you live in, your pet may not be eligible for the insurance right away. Typically, you may have to wait for a period of time before the coverage kicks in for something like an injury or a disease. Generally, you’ll have to wait three days before it covers an injury, two weeks for an illness and 180 days for a cruciate ligament event (that’s generally a knee injury for a dog).

In other words, as with any insurance (or credit card) product, before you sign up, read the fine print.

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.


This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.


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