CareCredit Credit Card
Basic Information
Program ID: carecredit-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Proprietary
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:27
Last Scraped: 01/15/2026 08:47
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Not applicable as CareCredit does not offer a traditional points, miles, or cash back sign-up bonus. Its primary benefit is promotional financing options for healthcare expenses.
Rewards Program
Reward Type: N/A - Financing Card
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - CareCredit primarily offers promotional financing for healthcare expenses (e.g., dental, vision, veterinary, medical procedures), not traditional rewards categories. There are no ongoing points or cashback rewards.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - CareCredit does not accrue traditional rewards points or cashback that would expire. Its primary benefit is special financing offers, which have specific terms and conditions for their duration.
Transfer Partners: N/A - CareCredit does not offer a points program with transfer partners.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: CareCredit offers promotional financing (e.g., 0% APR for 6, 12, 18, or 24 months) on qualifying purchases made at participating healthcare providers. Eligibility requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria. Standard APR applies after the promotional period if the balance is not paid in full. This card is specifically for healthcare expenses and is not a general-purpose credit card. It is accepted only at participating healthcare providers.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable; promotional financing terms apply to specific purchases rather than a bonus spend requirement.
Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, missed payments, high utilization, suspected fraudulent activity, using the card for non-qualifying expenses (if possible), defaulting on promotional financing terms, rapid application for multiple Synchrony products, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Provides crucial financing for medical/dental procedures not covered by insurance, often with promotional 0% APR periods, making healthcare more accessible.
Top Negative Feedback:
High deferred interest APR if balance isn't paid in full by the end of the promotional period, limited to specific healthcare providers, and can be confusing to manage.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Wells Fargo Health Advantage Card
- Discover it® Cash Back
- Chase Freedom Unlimited®
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 0% General / 100% Specialized Network
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0