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Is there an annual fee for the CareCredit® Rewards™ Mastercard®?
No. Your CareCredit® Rewards™ Mastercard® carries no annual fee.*
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How do I know how many CareCredit® Rewards™ Mastercard® Points I have earned?
Once you have activated your card, a Rewards Points summary is included on your monthly billing
statement. You can also check your point balance online by visiting carecredit.com/mastercard and logging in to access your account summary and manage your rewards.
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How can I redeem my points?
Once you have earned enough points for a reward, redeeming is simple. Visit carecredit.com/mastercard and log in to manage and redeem your rewards. See Contact Us for information on whom to contact for questions.
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What can I redeem my points for?
Points can be redeemed for rewards such as statement credits, gift cards, merchandise and travel. Specific rewards are provided at the time you redeem your Reward Points. Visit carecredit.com/mastercard to manage and redeem your points.
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When will my points be available to redeem?
Points earned will be added to your account within 2 billing cycles and will be available to redeem for gift cards, merchandise, travel or a statement credit in the CareCredit Rewards catalog thereafter.
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How many points can I earn?
There is no limit to the number of points you can earn.
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How do I earn points?
You will automatically earn Reward Points when you use your account to make Eligible Purchases. You earn 1 point for every $1 you spend for purchases everywhere Mastercard is accepted. And, periodically, you may be offered additional incentives ("Bonus Points").
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How do I find an enrolled CareCredit Network location?
Visit carecredit.com/mastercard where you can access the CareCredit Network to find a location.
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Will I earn points in addition to promotional financing in the CareCredit network?
You will not earn points on purchases greater than or equal to $200 made in the CareCredit network where promotional financing is available. You will, however, earn 4 points per $1 on purchases under $200 in the CareCredit network through 12/31/26.
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Do my points expire?
Your points will expire if they are not redeemed within 24 months. If your account has a New York mailing address, you will be able to redeem any points you have accumulated for up to 90 days after we send you notice that your account is closed or Rewards Program has been modified, cancelled, closed or terminated (subject to availability of points). However, points will be forfeited at account closure if the account was delinquent or if the account was closed for fraud or other misuse.
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What is included in the Health & Wellness category?
The Health & Wellness category includes: Healthcare, drug stores & pharmacies, gym memberships, sporting goods stores, bicycle shops, health & beauty shops, and more!
(Note: Transactions will be identified in only one category. For information about how transactions are identified, see Reward Terms.)
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How many points do I need to redeem for a reward?
A minimum amount of Reward Points will be required to select a redemption option and may change from time to time. Visit carecredit.com/mastercard to see redemption options.
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If I close my account, can I still redeem points?
Your CareCredit Rewards Mastercard account must be open and in good standing in order to redeem points. See CareCredit Rewards Mastercard Program Terms.
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I have questions; what number do I call?
For Redemption questions on orders and returns: Call (855) 483-3971.
For Rewards Points and General Account Information: Call (866) 748-1585.
See Contact Us for additional information.
*For New Accounts as of 5/30/24: Purchase APR 32.99%. Penalty APR 39.99%. Cash APR 32.99% and 4% Fee ($10 min). Bal Trans APR 32.99%, and 5% Fee ($5 min). Min Interest Charge $2. Foreign Trans Fee 3%.
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