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The CareCredit Difference

CareCredit is a healthcare credit card designed for your health and wellness needs for you, your entire family and your pets.

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What Makes CareCredit Different

CareCredit is different from a regular credit card.

Use it to pay for out-of-pocket expenses not covered by medical insurance, and special financing options are available that you may not be able to get with other cards.

Pay for health, and wellness care at over 200,000 enrolled providers across the nation. Once you've applied, you can use it again and again at any location that accepts CareCredit.

With shorter term financing options of 6, 12, 18 or 24 months no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. If you do not, interest is charged from the original purchase date.*

*Subject to credit approval. Details and Terms

CareCredit also extends longer term healthcare financing for 24, 36, 48 or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full. Purchases of $2,500 or more qualify for the 60-month offer with a 16.9% APR (24, 36 and 48 financing terms are for purchases of $1,000 or more with a 14.9% APR).**

For complete details, see the CareCredit account agreement within your application.

Ask your provider to find out which promotion is right for you. You do not need to select a promotion before you apply.

**Subject to credit approval. Details and Terms

How To Apply

Instant approvals, no activation fee and no need to re-apply!

Apply Now

Apply By Phone - 1-800-677-0718 (must be 21 and over)

Find out immediately if you have been approved by using our easy, automated system anytime.

Apply with a live agent Monday through Friday from 9AM- 9PM (EST).

You can call the same number 24 hours a day, 7 days a week to complete your telephone application through our easy-to-use automated application system. Please read our Credit Card Account Agreement before you call.

All we need to complete your application is your:

  • Doctor's name, or how you plan to use your CareCredit card
  • Name
  • Address
  • Date of birth
  • Social security number or ITIN
  • Net income
  • Housing Information

Must be 18+ to apply. Approval is based on the information you provide on your credit application and the information provided to us by the credit reporting agencies used by Synchrony Bank. This is also true for joint applicants, if applicable.

Promotional Financing

How are your payments calculated with CareCredit once you've made a purchase? Below are 2 illustrations showing common cardholder scenarios for making payments using each of the promotional financing options available.***

1

No Interest If Paid In Full Within 6, 12, 18 or 24 Months

Minimum Purchase Amount

$200

Promotional Periods

6
months
12
months
18
months

Purchases eligible for 6, 12 or 18 month promotions: Minimum Monthly Payments Required.

24
months
flow chart arrow

Purchases eligible for 24-Month promotion: Fixed Monthly Payments required until paid in full and based on repayment over 24 months.

With promotions on qualifying purchases at enrolled provider locations of $200 or more, interest (at the rate of 26.99% for new accounts) will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments are required; however, paying the minimum monthly payment may not pay off your purchase by the end of the promotional period.

Example: Below are 3 Cardholder payment examples on a purchase of $1200 using the following promotion: "No Interest if Paid in Full Within 6 Months."

These examples are for illustrative purposes only and assume the Cardholder's APR (interest rate) is 26.99% and the amount financed is the only balance on the account. Your account's APR may be different.

3 Cardholder payment examples on a purchase of $1200 using the following promotion: "No Interest if Paid in Full Within 6 Months."
Cardholder Payment Examples Month
One
Month
Two
Month
Three
Month
Four
Month
Five
Month
Six
A:
Equal Monthly Payments
Read More
$200 $200 $200 $200 $200 $200
Cardholder A makes a monthly payment equal to the total promotional purchase amount divided by six, paying off the full balance within the promotional period.
Result:
Cardholder pays $1,200 for the promotional purchase over 6 months.
Outcome at end of promotional period
Account Balance
$0
No Interest Charged
B:
Minimum
Monthly Payment
+ Pay Off
Read More
$39 $38 $37 $35 $34 $1017
Cardholder B makes the minimum monthly payment and pays the remaining promotional balance in month six, paying off the full balance within the promotional period.
Result:
Cardholder pays $1,200 for the promotional purchase over 6 months.
Outcome at end of promotional period
Account Balance
$0
No Interest Charged
C:
Minimum
Monthly Payment
Only
Read More
$39 $38 $37 $35 $34 $33
Cardholder C makes only the minimum monthly payment, resulting in a balance at the end of month six plus accrued interest. After the promotion expires, if Cardholder continues to make only the minimum monthly payment until the balance is paid in full.
Result:
Cardholder pays $2,693 for the promotional purchase over 96 months.
Outcome at end of promotional period
Account Balance
$1,134

= $982 Promotional balance
+ $152 Accrued interest
**Based on Standard APR of 26.99%The examples shown are for illustrative purposes only and assume that the amount financed is the only balance on the account.
2

Reduced APR and Fixed Monthly Payments Required Until Paid in Full

On qualifying purchases made with your CareCredit credit card account at enrolled provider locations:

  • Purchases of $1,000 or more are eligible for a 24, 36, 48 month offer with a 14.90% APR
  • Purchases of $2,500 or more are eligible for a 60 month offer with a 16.90% APR

Example: Below is a Cardholder payment example on a purchase of $2400 using the following promotion: "Reduced APR and Fixed Monthly Payments Required Until Paid In Full within 48 months.*"

Example shown is for accounts with only one promotion. Payment allocation may vary based on the number of promotions on the account.

Cardholder payment example on a purchase of $2400 using the following promotion: "Reduced APR and Fixed Monthly Payments Required Until Paid In Full within 48 months.*"
Payment Month 1 Month 48 Outcome
$67
48 Months
48 Equal minimum monthly payments**

Includes principal and interest at 14.90%

Read More
$3,201
Paid!
Including Interest
= $2400 principal
+ $801 interest

*** Subject to credit approval. Minimum monthly payments required. Not all promotional financing options are available at all enrolled providers. Ask yours for details. Promotional financing options are not available at all retail locations that accept CareCredit and standard account terms will apply to such purchases.

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