Full Answer
Is care credit a good card to have?
The CareCredit card is a winner if you need a convenient, flexible way to pay for one-time or recurring medical expenses. The no interest promotional financing is its most attractive feature but...
Is care credit worth it?
The CareCredit® credit card was designed to ease the burden of expensive medical bills. For no annual fee, you may receive special financing on qualifying purchases at over 225,000 providers of health and wellness services and products. The card is a fine choice — but only if used properly.
Is CareCredit an actual credit card?
The CareCredit card works like a credit card, but can only be used to cover traditional medical insurance copayments on covered services. The card can also be used for elective medical procedures that are not covered by traditional insurance plans.
What places accept Care Credit?
CareCredit is accepted at more than 200,000 locations nationwide. Once approved, you can use CareCredit for many of your out-of-pocket healthcare costs at enrolled providers including dentistry, cosmetic surgery, dermatology, veterinary care, audiology, and ophthalmology – to name just a few.
Is CareCredit considered a visa?
The CareCredit Credit Card is neither a Visa, nor a Mastercard. While there is a Mastercard version of the CareCredit Credit Card, it is only available to select cardholders through an upgrade.
What kind of card is CareCredit?
healthcare credit cardWhat is CareCredit? CareCredit is a healthcare credit card designed for your health, and wellness needs. It's a way to pay for the costs of many treatments and procedures and allows you to make convenient monthly payments.
Does CareCredit have a Visa logo?
HSA and FSA cards are issued under the 4 major cards brands (Visa, MC, American Express, Discover) and will display the logo of these brand. Care Credit cards do not have a major card brand logo. Care Credit must be accepted on an outside terminal or you can contact Care Credit to explore other options.
What type of loan is CareCredit?
A personal loan. The CareCredit Card offers longer loan terms for lower interest rates, but depending on your credit history and financial situation, you may qualify for even better rates with a personal loan.
Can I use a CareCredit card anywhere?
If you got upgraded to (or applied for) the CareCredit Rewards Mastercard, you can definitely use that anywhere. Only the regular one is for medical stuff; the Mastercard has no such restrictions. Still, obviously you'll get better rewards if you use it for healthcare.
Does CareCredit build credit?
It should take about six months of on-time payments to establish a good credit history. Use just one tactic at a time to make it easier to succeed—for example, open a credit-builder loan, and when that's paid off, get a special credit card such as store credit card or gas card.
Does CareCredit hurt your credit?
CareCredit Requirements CareCredit allows anyone to check if they qualify for a card. This option won't affect your credit score.
How high does your credit score need to be for CareCredit?
640 or betterThe credit score you need for the CareCredit Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.
Can I use CareCredit card at ATM?
You can get a CareCredit Mastercard cash advance at any ATM or with the convenience checks they send you. In addition, they will treat any purchase of certain cash like items as cash advances.
Can I use CareCredit for gas?
Use your Synchrony Car Care™ credit card for everything your car needs to stay on the go, including gas, tires, brakes, repairs, maintenance, and more!
How long do you have to pay off CareCredit?
Making your minimum monthly payments should allow you to pay the amount financed shown in full within the estimated payoff period of 96 months, assuming: (1) this amount is and will be the only balance on the account during the promotional period, AND (2) you make at least your minimum monthly payment by the due date ...
What happens if I don't use my CareCredit card?
In the past, issuers could charge credit card inactivity fees if you failed to use your card for a long period. However, the Federal Reserve banned this practice in 2010. However, if the card has an annual fee, you will have to pay that fee whether you use the card or not.
What is CareCredit Mastercard?
The CareCredit® Rewards™ Mastercard™ is an infinitely useful credit card specifically designed to make medical and healthcare costs more affordable with up to payment plans ranging from 6 to 60 months.
Does CareCredit hurt your credit?
CareCredit Requirements CareCredit allows anyone to check if they qualify for a card. This option won't affect your credit score.
Can you use CareCredit for gas?
The Synchrony Car Care™ credit card is accepted at gas stations and auto parts and service businesses nationwide.
What can I use my Synchrony CareCredit card for?
Synchrony Car Care™ Accepted at thousands of gas stations, auto parts and service stores nationwide, the Synchrony Car Care™ credit card makes it easy to manage all of your car, truck, and RV expenses on one card.
What is CareCredit?
CareCredit is a healthcare credit card designed for your health, and wellness needs. It's a way to pay for the costs of many treatments and procedu...
What can you use CareCredit credit card for?
Your CareCredit credit card can be used at over 200,000 locations nationwide for a variety of healthcare services including LASIK, veterinary, dent...
Where can I use my CareCredit credit card?
Use our convenient online tool to find a doctor or business type in your area. You can search by your doctor's name or business type or search by l...
What does it mean to have a CareCredit certification?
CareCredit has recently implemented a CareCredit Certification for enrolled Providers in an effort to ensure that every CareCredit card applicant i...
How can I add an authorized user to my CareCredit credit card?
An Authorized User can be added to your account by logging into your account and clicking on Services > Authorized Users. Also, an Authorized User...
How do I apply for a CareCredit credit card?
The easiest and fastest way to apply for CareCredit is to use apply online. You will get the credit decision within seconds and, if approved, you c...
Why are there different interest rates on the CareCredit credit card application?
The standard Cardholder's APR is 26.99%. Your account's APR may be different. Existing cardholders should see their credit card agreement for appli...
What happens if I apply with a co-signer?
Your joint-applicant is applying jointly with you for credit. If approved, the joint-applicant will also receive a CareCredit credit card and be jo...
My provider said I can avoid paying interest, so why is there an interest rate listed on the applica...
For Deferred Interest/No Interest if Paid in Full promotional financing options, no interest will be charged on your promotional balance if you pay...
When will I receive my first CareCredit bill?
You will receive your first billing statement within 30 days of making a purchase with your card.
What is Care Credit?
CareCredit is a healthcare credit card designed for your health, and wellness needs. It's a way to pay for the costs of many treatments and procedures and allows you to make convenient monthly payments. CareCredit is accepted at over 225,000 providers nationwide for LASIK and Vision Care, Cosmetic and Dermatology Procedures, Dentistry, Veterinary, ...
How long does it take to get a statement from a credit card?
You will receive your first billing statement within 30 days of making a purchase with your card.
Does prequalification affect credit score?
Prequalification lets you know if you are likely to be approved for a CareCredit credit card. Plus, it’s quick and there’s no impact to your credit score to check. If you prequalify and then you apply, there will be a hard inquiry on your credit report.
Prospective Cardholders
Everything you need to know about the CareCredit healthcare credit card before you start the prequalification process.
Existing Cardholders
Find tools to help manage your account, view Cardholder resources, and see tips for how to read your statement.
1. You can use it only on certain health care purchases
You can use the CareCredit Card at health care and wellness providers that have enrolled in CareCredit. While a wide variety of providers and businesses accept the CareCredit Card, your preferred doctor may not.
4. Your account is available immediately upon approval
You can’t always predict when you’ll be subject to a big medical bill, but you can use a new CareCredit Card account the moment your application is approved, even if your physical card hasn’t arrived in the mail yet. That means you can apply from the doctor’s office and use the card to pay your bill.
What is Care Credit?
Care Credit was designed to help people afford out-of-pocket healthcare costs for themselves, their families, and even the family pet. It is best known for the 6, 12, and 18-month interest-free payment plans and, until recently, could only be used towards medical-related expenditures at their network of 200,000 participating healthcare providers.
How much can you redeem on a statement credit card?
Statement Credit and gift cards can only be redeemed at specific point intervals for the following amounts: $10, $25, $50, $100, and $250. In terms of travel redemption, things become much less straightforward and much more manual.
Is Care Credit a good credit card?
Overall, the CareCredit® Rewards™ Mastercard™ is an invaluable healthcare credit card with universal appeal. Thanks to its two-pronged benefit structure, cardholders will find this application well worth the hard pull from day 1 to 1,000.
Does Care Credit pay for vet bills?
Instead, it offers something even better: ongoing special financing options for medical and healthcare procedures—which even includes treatment for pets! Yes, you heard right – Care Credit does pay for veterinary bills at select vets and animal hospitals. This means animal-lovers never have to worry if their four-legged friend (or bird, lizard, or any other pet) is covered.
Does Bestcards include all card companies?
BestCards does not include all card companies or all card offers available in the marketplace. Editorial Disclosure. close ×. Editorial Disclosure – The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author.
Do rewards cards have bonus categories?
The bonus categories are uncommon and give cardholders to earn rewards on the types of purchases most other rewards cards neglect. While the bonus rates aren’t particularly generous, they’re likely more than what cardholders would receive with other general use cards.
About CareCredit
We do something very simple at CareCredit: we help people get the care they want for themselves and their families.
Press Release
New Integration Makes It Easier to Help More Patients Get Care Stamford, CT -; February 2, 2022 -; CareCredit, a Synchrony (NYSE:SYF) solution and...
Caring Communities Program
At CareCredit we believe that living well starts with a healthy community. That's why we are proud to support the efforts of organizations that are going above and beyond to help others make a positive impact in the communities they serve.
ACH bank transfer
Send your payment via ACH Transfer with your bank (register at www.mysynchrony.com/carecredit ).
Download the App today
With the CareCredit Mobile App you can access your digital card, pay your bill, find enrolled providers and businesses that accept CareCredit, set alerts and pay your Provider invoice.
Did you know that you can now have your statements delivered right to your inbox?
As a valued CareCredit cardholder, we want to make it as easy as possible to update your account, view balances and make payments.
Share your CareCredit story
While our account holders may come from diverse backgrounds with distinct reasons for applying, all CareCredit customers have one thing in common:
Contact
If you would like to speak to a CareCredit representative to report a lost, misplaced, or stolen card, to review your needs, or assist you with credit increases:
How can I avoid interest charges?
If you have a Deferred Interest/No Interest If Paid in Full promotional purchase balance: Be sure to pay the entire applicable Promotional Balance by the Promotional Expiration Date and you will not be charged interest.
How can I avoid late fees?
Your payment is due by the Payment Due Date indicated on your monthly billing statement. To avoid late payment fees, pay at least the Total Minimum Payment Due on your statement by this date. When making your payment by mail, use the provided payment coupon and allow 7-10 business days for your payment to be received and post.
Questions & Answers
Don't see what you're looking for? Submit your question about CareCredit Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Where You Can Use Your CareCredit Credit Card
SYNCB/CARECR stands for “Synchrony Bank/CareCredit.” It refers to the CareCredit Card, which is issued by Synchrony Bank. The card can be used to pay for medical expenses at the 200,000+ U.S. medical facilities that are part of Synchrony Bank's CareCredit Network.
How to Check Your CareCredit Credit Card Balance
The CareCredit Credit Card is neither a Visa, nor a Mastercard. While there is a Mastercard version of the CareCredit Credit Card, it is only available to select cardholders through an upgrade.
Impact of a CareCredit Credit Card Credit Limit Increase on Your Credit Score
When you request a CareCredit Credit Card credit limit increase, Synchrony will conduct a soft pull of your credit report, which does not affect your credit score. However, some CareCredit Credit Card credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score.
