Unlike other credit cards,
CareCredit offers special financing everytime you use it *.

No teaser rates. No introductory rates. No application fees. No pre-payment penalties. Just Special Financing every time*. Use your cash and major credit cards for other expenses and finance your procedure with CareCredit. The credit card just for healthcare.


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*Subject to credit availability/approval.

Financial Glossary

  • Promotional Period
  • Promotional Financing
  • Finance Charges
  • Minimum Monthly Payment
  • Revolving Line of Credit

Promotional Period:

The pre-determined time period during which your account has special financing terms. CareCredit offers two types of promotional financing options.

Promotional Financing:

CareCredit offers two types of promotional financing options: 1) No Interest if Paid in Full Within 6, 12, 18 or 24 Months* on qualifying purchases made with your CareCredit credit card account. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Not all promotional plans are available at all Participating Professionals. Minimum Monthly Payments Required and may pay off purchase before end of promotional period. 2) 14.90% APR and Fixed Monthly Payments Required Until Paid in Full** on qualifying purchases made with your CareCredit credit card account. Not all promotional plans are available at all Participating Professionals. Fixed monthly payment amount based on repayment over 24, 36, 48 or 60 month period. Purchases of $1000 or more are eligible for a 24, 36 or 48 month offer and purchases of $2500 or more are eligible for a 60 month offer.

*/**Click here for Details and Terms

Finance Charges:

The charge for credit.

Minimum Monthly Payment:

The minimum monthly payment required on your account to maintain your promotional terms.

Revolving Line of Credit:

The agreement to lend you a specific amount and allow you to borrow again against that amount once it has been repaid.

Get Your Free Guide

to Healthcare Financing

Your guide will cover:
  • How CareCredit works
  • Paying for healthcare
  • Tips for selecting a doctor






† By providing your email address, you consent to receive marketing email communications from CareCredit.

Frequently Asked Questions

Do I need to replace my original card with the new CareCredit healthcare card?

No. It's our look that has changed, we haven’t. There's no need to replace your original card with the new card. Both CareCredit cards are accepted at over 150,000 enrolled providers nationwide.

Is my original card still accepted at the practice?

Yes. It's our look that has changed, we haven’t. Both CareCredit cards are accepted at over 150,000 enrolled providers nationwide.

How do I qualify for CareCredit?

Approval is based on information from your credit application and past credit history. This includes information from the primary applicant as well as any co-applicant.

Why do doctors offer CareCredit?

Many patients put off treatments and procedures because they cannot afford to pay. Doctors offer CareCredit payment options as an alternative to consumer credit cards, cash or checks. CareCredit allows you to pay over time instead of a lump sum prior to treatment. Offering CareCredit removes the accounts receivable responsibilities from the doctor and allows them to focus on recommending and providing the best care to their patients.

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