6
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: carecredit-credit-card
Issuer: Synchrony
Card Name: CareCredit credit card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony provides assistance to Servicemembers and their families under the Servicemembers Civil Relief Act (SCRA). Active duty Servicemembers or their dependents may be eligible for benefits.
Rewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 6 Total
PENDINGAccessibility 1
Extensive Provider Network
Over 250,000 locationsAccepted at over 250,000 enrolled healthcare provider and health-focused retail locations nationwide, including dentists, optometrists, veterinarians, and more.
Account Management 1
Online Account Access
Online accessCardholders can conveniently manage their account online, including making payments, viewing statements, checking balances, and updating personal information.
Cost Savings 1
No Annual Fee
$0 annual feeThe CareCredit credit card does not charge an annual fee to cardholders.
Financial Flexibility 1
Reusable Healthcare Credit Line
Reusable credit lineProvides a dedicated, revolving line of credit specifically for health and wellness needs, allowing cardholders to use it repeatedly for future eligible expenses without reapplying.
Financing 2
No Interest Special Financing
6, 12, 18, or 24 months no interest on purchases of $200+Offers promotional financing periods (6, 12, 18, or 24 months) with no interest charged on purchases of $200 or more if the full promotional balance is paid by the end of the promotional period. If the balance is not paid in full, interest is charged from the purchase date.
Reduced APR Special Financing
Reduced APR, fixed monthly payments on purchases of $200+Offers reduced Annual Percentage Rate (APR) and fixed monthly payments for longer financing periods until the purchase is paid in full. Available for purchases of $200 or more.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
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Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Special Financing
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The primary benefit of the CareCredit card is promotional financing (e.g., 0% APR for 6, 12, 18, or 24 months) on qualifying purchases made at participating healthcare providers. Specific terms, including duration and minimum purchase requirements, vary by provider and promotion. Standard APR applies if promotional terms are not met or after the promotional period ends. Eligibility requirements for application include being 18 years or older (19+ in AL/NE), a US resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a government-issued photo ID, and demonstrating the ability to make monthly payments, all subject to credit approval.
Max Cards Per Issuer: 7
Min Spend Interval: Not applicable; promotional financing terms apply to qualifying purchases made within the promotional period, with repayment over the specified promotional duration.
Cliff Effect Rules: Synchrony assesses overall credit exposure across all its issued cards. While there isn't a strict 'family' rule like Chase's 5/24, applying for too many Synchrony cards or accumulating a very high total credit limit with them can lead to denials for new applications or credit limit reductions on existing accounts.
Special Events: CareCredit's 'special events' are ongoing promotional financing offers provided by its network of participating healthcare providers (e.g., dentists, veterinarians, optometrists, dermatologists). These promotions are typically tied to specific services or minimum purchase amounts rather than seasonal retail events.
Holiday Promos: Not applicable. CareCredit's promotions are continuous and provider-specific, not tied to general retail holiday seasons.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Provides essential financing for medical procedures; easy application process; promotional 0% APR offers are very helpful for managing healthcare costs.
Top Negative:
High deferred interest APR if balance not paid in full by promotion end; limited acceptance outside of healthcare providers; customer service can be slow.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Wells Fargo Health Advantage Card
- Chase Slate Edge
- Citi Simplicity Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 01/01/2024
Last Updated: Jan 01, 2024 00:00