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Nibbles Reviews 127

TrustScore 4.5 out of 5

4.3

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the product for its user-friendliness and the value it offers for the money spent. Many consumers highlight the pet insurance perk, rewards points, and cash back as significant advantages. People also find the card visually appealing and easy to use, with a straightforward way to consolidate pet expenses. Consumers have reported a smooth and easy application process. The ability to manage pet-related expenses and access pet insurance through the card is a relief for many. Some reviewers have expressed concerns and ambiguity regarding payments and the service, while others have had positive experiences using the card for vet visits and other pet-related purchases.

Based on these reviews

Rated 4 out of 5 stars

Update After I posted this review, I was told multiple invoices were processed and checks are on the way. I still have not received any checks . Ill update again when I get payments Up... See more

Company replied

Rated 5 out of 5 stars

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... See more

Rated 5 out of 5 stars

I’ve had the Nibbles card for only a few months and already earned $6 in cash back rewards from only two transactions! The annual fee is half of what I was paying for my goldendoodle’s insurance previ... See more

Company replied

Rated 5 out of 5 stars

Process was well spelled out, did not take but about 5 minutes, seem to be very safe and without negative consequences to my credit score. My credit was frozen so I ran into a little hiccup, but once... See more

Rated 5 out of 5 stars

The overall application process is straightforward. Answer a handful of questions, get a quick decision (approval/not), and apply for the card. Free ins policy on the card was the tipping point for... See more

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Rated 5 out of 5 stars

What a smart and amazing offer for pet insurance!!! It was so easy to use and gave me a peace of mind knowing that if anything should happen to my pets, I'll be in a much better place to handle go... See more

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Rated 1 out of 5 stars

Once deductible was met, all claims have been denied, including claims for items that were previously approved. No response to emails for multiple weeks, no answer on their phone number. Claim unrel... See more

Rated 5 out of 5 stars

The associate was friendly, professional & helpful. Nothing to do with the associate, but I was surprised to read that you don't accept "check payments" for the credit card, as all my bills are... See more

Rated 5 out of 5 stars

I've had the card for a few months now and use it to pay for all my pets' vet visits and Chewy etc purchases. I only have one dog insured with them, but the one time I used the insurance for her, it w... See more

Company replied

Rated 5 out of 5 stars

It's great to have a credit card that provides pet health insurance. Hopefully we'll never have to use the benefit, but it's there if we do have extraordinary vet expenses.

Rated 1 out of 5 stars

I have had zero communication with company since starting. At first there was always no one to answer the phone. Now turned in a claim in November and still nothing paid called to get an answer three... See more

Company replied

Rated 5 out of 5 stars

I'm obsessed. I just used my nibbles card for an unexpected issue with my cat and having the easy access to my pet insurance through the card was such a relief that I completely forgot about the tripl... See more

Company replied

Rated 5 out of 5 stars

Nibbles offers me a very straightforward way of consolidating pet expenses and providing immediate benefit for money I would have spent anyway. I really appreciate that it's easy to use and I don't ha... See more

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Rated 1 out of 5 stars

I submitted a claim over a month ago (12/22), and still have not received reimbursement that I rightfully deserve and paid for. My dog required a very expensive, unexpected surgery, in December. I... See more

Company replied

Rated 5 out of 5 stars

Easy way to get pet insurance; registration was simple and straightforward. We were able to add our other dog later, and are now using the card for all vet visits.

Company replied

Rated 5 out of 5 stars

This is too new to me I just enrolled today I can’t really comment right now specifically when you finally place a claim IDK how past they will process it but enrollment is pretty easy.

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Rated 5 out of 5 stars

After a few months with the card I've been pleased with the experience. I have two pets insured with the card and I like that I now have one place will all of their documents and insurance information... See more

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Rated 1 out of 5 stars

I submitted a claim 6 days ago and I haven't received any response or updates on the statuis of the claim. I was used to Healthy Paws insurance which woul dprocess and reimburse claimns within a few d... See more

Company replied

Rated 5 out of 5 stars

Can’t say enough about this card, it saved my cat’s life. We didn’t have insurance for either of our cats until 6 months ago from Nibbles. During my daughters birthday party, my cat swallowed a... See more

Rated 5 out of 5 stars

I haven’t had to file any claims but having a credit card that also covers my pet insurance is a win win in my book. I upped the coverage and am only paying $24.00/month for my Frenchie is insane! Tha... See more

Rated 1 out of 5 stars

This company’s only real benefit is the pet insurance. I was told my pet didn’t qualify & wasn’t given any reason(my assumption is that she’s just turned 11). The website went on to say that even... See more

Rated 1 out of 5 stars

Worst customer service and their website is not ready for prime time. Too many issues trying to sign up and their customer support has been worthless. Gave up after a week of trying. Started to t... See more

Company replied

Rated 2 out of 5 stars

It has been several days since you did a soft pull of my credit, I have turned off the freezes on all 3 credit Bureaus twice now and the support staff cannot seem to get my credit pulled. At first you... See more

Rated 1 out of 5 stars

One of my pups injured one of the nails on her front paw on a Saturday. We applied first aid and watched it. On Sunday morning the nail was inflamed and weeping. Dog was walking on 3 legs. We took th... See more

Rated 5 out of 5 stars

Jyst decided to try the card out, seems like good benefits for my furbabies. I haven't used my services to give a good recommendation. Would like to check back for a review in 6months.

Company replied

Rated 5 out of 5 stars

The customer service I receive from Nibbles is amazing. I would definitely recommend this credit to anyone who has a pet they care about and wants a more convenient way to have the plan and a credit c... See more

Company replied

Rated 5 out of 5 stars

Loving my Nibbles card so far! Super easy to use, great rewards, and the experience has been smooth from the start. Their customer service has been fantastic. I highly recommend it

Company replied

Rated 1 out of 5 stars

I created a Claim since November last year and is January and no update. The only way to contact Customer Service is by email but nobody answer.

Company replied

Rated 4 out of 5 stars

So far, Nibbles sounds like a great idea. I only gave 4 stars because there is no human phone support that I can find. Maybe it is hidden somewhere, but I did not see any phone support numbers.

Rated 5 out of 5 stars

I haven't had to use it for my pet yet, but the ease of the website is great for setting up payments and i like the 3% on pet related purchases.

Rated 5 out of 5 stars

This is a great card with the peace of mind having pet insurance. Helps you prepare for those emergencies to keep you fur baby safe and healthy. Fantastic idea.

Rated 4 out of 5 stars

Great for pet owners. Love that it has pre-approved option without running a hard inquiry with your credit bureau. I wish they have an app to view and make payments.

Company replied

Rated 5 out of 5 stars

Easy to apply and ease of mind my cat can have some health insurance for no cost! Opted for 2 extras but still very affordable!

Company replied

Rated 5 out of 5 stars

Application process was a breeze and the pet insurance perk was a no Brainer. Hopefully I do not have to ever used it but if I do, I hope it comes in handy.

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Rated 2 out of 5 stars

The phone number on the back of the card goes to a car dealership. I don’t know how to pay my bill since I don’t have a statement with an address. I cannot enter my bank info on your website.

Company replied

Rated 5 out of 5 stars

Very easy to sign up after being approved. I'm feeling good he has some protection and I can use card anywhere.

Rated 5 out of 5 stars

I brought my dog to the vet and the process of submitting a claim was so easy! I also cashed in my earned points from that visit towards a statement credit!

Company replied

Rated 5 out of 5 stars

Easy to apply for credit card. Policy coverage and cost are excellent. I'm glad I found your company.

Rated 5 out of 5 stars

Response time was pretty quick. The only suggestion I have is being able to review pricing for optional benefits prior to completing the credit card application. I believe this would be very helpful t... See more

Company replied

Rated 1 out of 5 stars

In all honesty I thought this would work out. I applied. I was approved. It wasn’t my name associated with the card. I notified nibbles. They wanted a copy of my DL. I sent it to them. N... See more

Company replied

Rated 5 out of 5 stars

The processing was so easy and I’ve been looking for a credit card that looks after our love ones.

Rated 3 out of 5 stars

I chose this rating because you offered free pet insurance and don't deliver.

Rated 5 out of 5 stars

I love how easy it was to navigate and understand the difference in plans and I love the name!

Company replied

Rated 5 out of 5 stars

I received the Nibbles card activated it and will review after a vet visit.

Company replied

Rated 5 out of 5 stars

I have not used my card yet but so far everything has gone smooth! I am looking forward to the benefits of the card!

Company replied

Rated 5 out of 5 stars

Very easy sign-up process and understandable options. Also great communication with fast replies.


Company details

  1. Pet Insurance Company
  2. Pet Store

About Nibbles

Written by the company

Nibbles logo

We’re more than just a credit card company—we’re your partner in providing exceptional care for your beloved pets. Our innovative credit card offers built-in pet insurance coverage, a generous rewards program (3X points on vet and pet related purchases). Whether you’re managing routine expenses or unexpected veterinary bills, Nibbles helps you navigate pet parenthood with ease and peace of mind. Join our growing community of pet lovers who are transforming how they care for their furry friends. Because at Nibbles, it’s all about keeping tails wagging and hearts happy.

Apply today

Contact info

4.3

Excellent

TrustScore 4.5 out of 5

127 reviews

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Replied to 62% of negative reviews

Typically replies within 1 week

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Rated 5 out of 5 stars

Great credit card with excellent…

Great credit card with excellent communication and quick response offering insurance coverage for you fur baby!

February 5, 2026
Nibbles logo

Reply from Nibbles

Thank you for your comment, and we're here for all fur babies!

Rated 1 out of 5 stars

I have had zero communication with…

I have had zero communication with company since starting. At first there was always no one to answer the phone. Now turned in a claim in November and still nothing paid called to get an answer three weeks ago and still nothing when they said it was being moved to priority. As far as I’m concerned I’m looking elsewhere! This company is a rip off. I’ve had other pet insurance that was good. This company certainly is not!

January 5, 2026
Unprompted review
Nibbles logo

Reply from Nibbles

Hi Cheryl,

I'm sorry to hear about your experience and apologize for any delays in communicating to you. It looks like one of our team members reached out to you yesterday and will follow up with you on claim status.

All the best,

The Nibbles Team

Rated 1 out of 5 stars

Will Not Process my Claim

I submitted a claim over a month ago (12/22), and still have not received reimbursement that I rightfully deserve and paid for. My dog required a very expensive, unexpected surgery, in December.

I paid for upgraded coverage, not just the free insurance. I took a chance on a new company, in efforts to protect my new puppy, and they keep going back and forth with needing more documents. I do not have anything else to give them, and I do not understand why they cannot process my claim. I am beginning to feel like I made a mistake. My payment to the Nibbles Credit card for my dog's surgery is due soon and I still haven't gotten any news about getting reimbursed. They have been very difficult to work with. I will keep this review updated if I hear anything back about my claim. Yes, the application process is easy like many others have mentioned, but that's just about it.

December 23, 2025
Unprompted review
Nibbles logo

Reply from Nibbles

Hi Sydney, we apologize for any delay and/or miscommunication. One of our friendly team members will reach out to you with an status update shortly if they haven't already.

All the best,

The Nibbles Team

Rated 1 out of 5 stars

Very slow to process claim. No communication.

I submitted a claim 6 days ago and I haven't received any response or updates on the statuis of the claim. I was used to Healthy Paws insurance which woul dprocess and reimburse claimns within a few days of filing.

January 20, 2026
Nibbles logo

Reply from Nibbles

Hi Alexi, we apologize for any delays in communication and the claims process. One of our team members will reach out to you shortly with an update/status on claim.

The Nibbles Team

Rated 1 out of 5 stars

Delay and Deny

Once deductible was met, all claims have been denied, including claims for items that were previously approved. No response to emails for multiple weeks, no answer on their phone number. Claim unrelated vet visits from months prior constitute pre-existing conditions. If you don't have previous vet visits, will claim medical record is not properly verified. Claims processed through Odie which is the lowest rated pet insurance company based on all available reviews. Do not trust this company.

December 23, 2025
Unprompted review

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