Nibbles Credit Card | Built-In Pet Insurance & Pet Rewards
The smarter way to pet parent
Enjoy pet insurance for one eligible pet¹
Earn 3x rewards at pet stores and the vet²
Hassle-free claims
No annual fee
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 base insurance premium: $386
Average U.S. cat insurance premium: $749
Average U.S. dog insurance premium
According to 2024 data from the North American Pet Health Insurance Association
https://naphia.org/news/naphia-news/soi-report-2025/
With Nibbles we pay your base insurance premium for one pet
$20K annual limit
Hassle-free claim service
70% reimbursement rate of eligible covered expenses after meeting the deductible
$950 annual deductible
How does the pet insurance work?
Want more for your pet?
Tailor your insurance to your needs (and get 3x rewards back too)
Add multiple pets
Get up to 10% off for additional dogs or cats Add extra pets after becoming a cardmember
- Up to 10% off
Vaccination endorsement
Provides reimbursement up to a $100 annual limit per policy term for eligible vaccinations for dogs and cats when administered by a licensed veterinarian. Eligible vaccinations are defined in the policy. Coverage is subject to reimbursement percentage and any applicable frequency limitations described in the policy.
Exam fee package
Ideal for pet parents who want more expert reassurance, especially in their first year of pet ownership. This power up provides coverage for examinations that don't lead to an accident or illness diagnosis.
Boarding, holiday cancellation and lost pet advertising package
Power ups coverage for non-medical emergency pet expenditures such as boarding when a pet parent has a personal medical emergency, an advertising and reward benefit if a pet goes missing, and reimbursement for lost deposits on pet services due to an emergency trip cancellation.
Holistic and alternative treatment package
Power ups coverage to include alternative treatments when prescribed by a veterinarian: Acupuncture, Chiropractic, Homeopathy, Hydrotherapy, Naturopathy, Physical therapy, and Rehabilitative therapy.
What our customers are saying
"Can’t say enough about this card, it saved my cat’s life. During my daughter's birthday party, my cat swallowed a long piece of tinsel and he needed urgent surgery. Ended up getting back almost all of what we paid at the vet. More importantly, our cat’s life is back on track and he’s back to sleeping on his corner of our bed every night." – Jaime, January 8, 2026
"I initially wasn't sure about their credit card because I had never heard of the company or the issuing bank, but it is legit. And the pet insurance perk is great, plus rewards points for regular pet spending. And they seem to be on top of starting insurance claims for you after you've used the card at a vet." – Aaron, December 28, 2025
"Nibbles was great about contacting us after our dog needed to be seen by the veterinarian when his toenail was torn off accidentally. We appreciated their prompt communication!" – Roger, November 28, 2025
More rewards means 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.
Paws can't fill out forms, so we'll file the claims for your pet
Tap... and you’re done! Pay with your Nibbles card at the vet.
We help you file Leave this to us. We’ll reach out if our insurance partner needs anything and keep you updated.
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.
Base insurance policy
Waiting periods are 0 days for accidents, 14 days for illness, and 30 days for orthopedic conditions as of the policy start date. This coverage overview is for new customers with policies powered by Rainwalk. If you are already a cardmember your policy may be through Odie Pet Insurance. Review your policy document to confirm your provider.
What’s covered
- Coinsurance: 70%
- Annual Deductible: $950
- Annual Limit: $20,000
Accident coverage
Covers veterinary care for accidents your pet may experience, including exams, diagnostics, surgery, hospitalization, medications, imaging, and other necessary treatments.
Illness coverage
Covers diagnosis and treatment of illnesses, including conditions such as infections, digestive issues, and cancer.
Exam fees
Covers vet exam and office visit fees related to covered accidents and illnesses.
What’s not covered
- Routine and preventive care
- Pre-existing conditions
- Cosmetic or elective procedures
- Non-emergency dental work
- Breeding, pregnancy, or birth expenses
- Grooming, boarding, or training
- Experimental or investigational treatments
- Biohazard fees
- Injuries related to racing, fighting, hunting, or guarding activities
Want more protection?
Customize your insurance plan with add-ons for lower deductibles, physical therapy, and more.