Is the Pet Rewards Platinum Visa Worth It?

The Rewards Platinum Visa is worth checking into if you like credit cards that also give you reward points. The PetRewards Platinum Plus Visa card is for pet lovers who want a credit card with a rewards program that allows them to earn points towards towards veterinary services, pet food discount certificates, and shelter donations. The Bank of America issues it. It sounds like a great card but there are some points about it that you should be aware of you.

The Pet Rewards Platinum Visa is one of those cards that gives you a 0% introductory APR on purchases and six months cash advance checks for your first 6 billing cycles. However this does not apply to cash balances at any time that you do own the card. Another thing to realize here is that the ,real, interest rate that kicks in after six months is 18.24%. That is also the rate for any cash advances. If you miss a payment on any bill that you own you can also be charged 18.25% rate at the discretion of the credit card company before the six-month 0% trial rate is up.

However this card does have quite a generous credit line of $25,000 if you qualify for it. You can also get insurance, including extended car rental and warranty coverage on services and purchases for up to a year.

The best thing about it is the rewards program for veterinary services and pet products is generous and you can put your pet’s picture on your credit card! You learn two points for every dollar spent at participating veterinary clinics, pet food retailers, farm and feed stores, and one point for all other purchases.

The worst thing about it is that you need a high credit rating to get accepted for a PetRewards Platinum Plus VISA. Otherwise you may not be offered the card at the good introductory rate.

There are some perks that come with the card, especially if you are the sentimental type are reminded of your pet every time you pay. You customize your the PetRewards Platinum Plus Visa card by putting your pet’s picture on your credit card. Otherwise you can choose from several pet-related card designs.
You can put your points toward charitable pet related causes. Aside from earning points towards pet products and pet related services you can also put your points towards shelter donations. You can start redeeming points fast. You can start redeeming products and services for as low as 750 points

PetRewards Platinum Plus VISA comes with the Bank of America’s Purchase Replacement program. This feature provides for repair or replacement for covered purchases that are stolen, damaged or lost at a known location, within 90 days of the date of purchase.

The lack of an annual fee is attractive as is the generous amount of miles offered by the PetRewards Platinum Plus VISA card. The points are quickly earned and are good for both donating money and getting big discounts on pet-related services and goods. The introductory rate expires is quite high so it is not a good card to carry a balance on month to month.

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How to Get a Free Dog

Do you really want a pet but don’t want to pay for one? It is okay to look for a free dog but not so okay to expect it to take care of itself. All pets require some kind of expense whether it involves getting them necessary shots or making sure they are licensed or microchipped or buying them healthy food.   If. If you can’t afford that kind of thing then you can’t afford a pet and have no business owning a dog whether you get it for free or not.  Hopefully you are not looking for a free dog because you think somehow that a pet can take care of itself. This is not true of most pets including cats and dog. Mother Nature does not take care of pets. Owning a dog or cat is like taking care of a child and responsibilities come with it including the need for vaccinations, dental check ups, good food, the need for a babysitter, a good doctor, toilet training and maybe even obedience school. So make sure you budget these needs in whether you decided to pay for a dog or not.  The best source of information about free dogs is probably word of mouth or you can simply look at signs posted around the neighborhood on lampposts or on bulletin boards in Laundromats and grocery stores. Most of these types of dogs are the result of owners failing to spay their dogs. If they did not spay their dog then they may have also failed to give the puppies or mother the appropriate vaccinations or other care. If you adopt this kind of dog from a private owner who seems irresponsible make sure you get the dog checked out by a vet.   Puppies with moms who have not been vaccinated are sometimes more vulnerable to disease.  Sometimes breeders also have free dogs. Usually these dogs do not quite live up to breed standards are sold for almost as much money as full breed dog. Most of the time these are great dogs with a minor physical permuatation that makes them difficult to show or sell.   In some cases a breeder that gives a dog away is a bit corrupt so be careful that you don’t end up with big vet bills. Sometimes ill-bred dogs have serious problems like hip dysplasia that require them to be put down early in life.  You can also find free or next to free dogs being given away at your local dog pounds or Humane Society. In these situations however the animal may need to be microchipped and you may have to pay for shots or buy the dog a license.Another source of free dogs is advertisements in the newspaper. Sometimes farmers don’t have the heart to terminate the lives of unwanted puppies and advertise them as free dogs to give away. Most of the times these dogs are mutts.  You can also end up being the owner of a dog that is the victim of a sudden death or a divorce or any other situation where its owner suddenly disappears. People who have to move often advertise free dogs both online and in the newspapers.

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