CareCredit Is Not Your Traditional Credit Card.

Tailored to cover out-of-pocket costs that are not catered for by medical insurance, it offers specialized financing options that are likely unattainable with other cards. It can be used to pay for health and wellness care at over a quarter-million providers across the country. Once your application has been approved, you can use the CareCredit card repeatedly at any location accepting it.

CareCredit has flexible short-term financing options: 6, 12, 18, or 24 months. For purchases of $200 or more, no interest is charged, provided you fulfill the minimum monthly payments and complete the full amount due by the end of the promotional period. However, if you fail to do this, interest is imposed from the purchase date. Note that all these are subject to credit approval.*

Long-term healthcare financing is also available through CareCredit, including 24, 36, 48, or 60-month periods with a Reduced Annual Percentage Rate (APR) and fixed monthly payments until the full payment is made. For instance, purchases of $1,000 or more may qualify for a 24 months offer at 17.90% APR, a 36 months offer at 18.90% APR, or a 48 months offer at 19.90% APR. If your purchase is $2,500 or more, you may be eligible for a 60 months offer with a 20.90% APR.*

Consult your provider to determine the right promotion for you; it’s not necessary to choose before application.

*A minimum purchase amount may be required for promotional plans longer than 6 months. No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the promotional period which maybe 6, 12, 18, or 24 months. If you do not, interest will be charged on the promotional purchase from the purchase date. Regular account terms apply to non-promotional purchases, and after promotion ends to promotional balance. For new accounts, Purchase APR is 26.99%. The minimum interest charge is 2%. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.


The Application Process

Is straightforward, either online or by phone at 1-800-677-0718.

Ensure you read the Credit Card Account Agreement before making the call.

Note that you must be 18+ to apply online or 21+ to apply by phone, and must reside in the US.

Information Required Includes:

  • Name
  • Address
  • Date of birth
  • Social Security number or Individual Taxpayer
  • Identification Number (ITIN)
  • Net income
    Housing Information

Promotional financing options

These are calculated in specific ways once a purchase is made. These include the ‘No Interest If Paid In Full Within 6, 12, 18, or 24 Months’ option for purchases of $200 or more, and the ‘Reduced APR and Fixed Monthly Payments Required Until Paid in Full’ for purchases over $1,000 or $2,500.

Not all promotional financing options are available at every provider, so it’s best to confirm with your provider.

Also, promotional financing options are not available at all retail locations accepting CareCredit, and standard account terms will apply for such purchases.

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

Interest will be charged from the purchase date if the promotional purchase is not paid in full within the promotional period.

Reduced APR and Fixed Monthly Payments Required Until Paid in Full

On the other hand, calculates payments, including principal and interest, over a fixed term.

In essence, CareCredit can be an incredibly useful tool for managing health-related expenses, offering you the financial flexibility you may not get elsewhere. However, like all financial tools, it’s crucial to understand all the terms and conditions before signing up.

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