Log InYour "Got It" Moment Starts Here
The CareCredit credit card makes paying for care simple.* No hard credit check with prequalification.
Start your fast application and get an instant decision now!
Example: $3,000 treatment cost paid with 6 months special financing.
The suggested monthly payment shown may be greater than the required minimum monthly payment that will be on your billing statement when you use the 6-month promotional financing offer.
If the Amount Financed is not paid in full within 6 months, interest will be charged to your account from the purchase date and your total payments will be greater than the Amount Financed.
This estimated payment:
• Equals the Amount Financed divided by 6 rounded to the next highest whole dollar.
• Would pay off the Amount Financed within 6 months, but only if there are no other balances on your account at any time during the promotional period and you make your payments on time. Your total payments will equal the Amount Financed.
IMPORTANT: The information about the suggested monthly payment shown assumes the following promotional financing offer is applied to the Amount Financed:
No Interest if Paid in Full Within 6 Months**
On purchases of $200 or more with the CareCredit credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 months. Minimum monthly payments required.
The best part?
When it all clicks.
Explore the Got It Glossary for quick definitions that build financial confidence.
Learn more
Explore costs in your area
Trusted by 12M+ cardholders and 290K provider and retail locations nationwide.
View all stories
dental
Joshua L.
About CareCredit
Use CareCredit to pay for out-of-pocket expenses not covered by insurance. With more than 290,000 locations in the CareCredit network, you can get the care you want or need today. Also, special financing options are available that you may not be able to get with other cards.***
Take advantage of promotional financing options like No Interest if Paid in Full within 6, 12, 18 or 24 months on purchases of $200 or more when you use your card at locations in the CareCredit network.** Interest will be charged to your account from the purchase date in the promotional balance is not paid in full within the promotional period. Minimum Monthly Payments are required.
Well U
Your guide to financing options. Explore our library of financial health articles and tools.
View all content
ARTICLE 
The Got It Glossary Terms
A simple guide that breaks down credit and financing terms designed to help you feel clear, confident and in control of your money.
A window of time where special financing applies to your purchase. It starts on the purchase date and you can pay over time.
The total credit available on your account. Use it again as you pay it back.
The price you pay for borrowing money. For credit cards, the interest rate is typically stated as a yearly rate, called the annual percentage rate (APR).
CareCredit offers 6, 12, 18 or 24 months deferred interest promo financing. No interest will be charged on the promotional purchase balance if you pay it off in full within the applicable promotional period.
The amount due every month from a borrower to a lender under a reduced rate, such as the CareCredit Reduced APR and Fixed Monthly Payments Required Until Paid in Full promotional financing option. The fixed monthly payments are equal payments that will pay off the loan principal plus interest, in full, by the end of the loan term.
An agreement by a bank to lend a specific amount to a borrower and to allow that amount to be borrowed again once it has been repaid. A credit card typically has a revolving credit line.
Promotional financing offers that we extend to new and existing cardholders. Subject to credit approval. Promotional financing options are not available at all retail locations that accept CareCredit and standard account terms will apply to such purchases.
CareCredit Standard Terms is for smaller purchases that are under $200. Use your card for chiropractic treatment, teeth whitening products, co-payments, skin care products or pet care supplies at enrolled providers. Purchases under $200 are not eligible for Special Financing. Interest accrues on the unpaid balance according to the terms of your credit card agreement. CareCredit is also now accepted for eligible items at select retail locations. Promotional financing options are not available at all retail locations that accept CareCredit and standard account terms will apply to such purchases.
**No interest will be charged on the promo balance if you pay it off, in full, within the promotional period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promotional period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promotional period ends, to the promo balance. For New Accounts as of 5/30/2024: Purchase APR is 32.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. CareCredit Rewards Mastercard: Cash APR is 32.99% and 4% Fee ($10 min). Bal Trans APR is 32.99% and 5% Fee ($5 min). Foreign Trans Fee is 3%. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
***Subject to credit approval. Minimum monthly payments required. See carecredit.com for details.
CareCredit Rewards Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.