9
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: carecredit-mastercard
Issuer: Synchrony
Card Name: CareCredit
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank complies with SCRA and MLA. Eligible active duty Servicemembers may have their interest rate reduced to 6% on purchases made during active duty, and 0% on purchases made prior to active duty start date.
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1x
Bonus Rate: 5x
Categories: 5% cash back on purchases at CareCredit network locations; 2% cash back on health and wellness purchases (e.g., drugstores, pharmacies, health clubs)
Quarterly Rotating: No
Cap Amount: $2,500.00
Expiration Policy: Your cash back rewards do not expire as long as your account remains open and in good standing. If your account is closed for any reason, any unredeemed rewards will be forfeited.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption amount of $25 required for statement credit or direct deposit. Rewards are forfeited if account is closed.
Benefits & Protections (Detailed) 9 Total
PENDINGAssistance 1
Mastercard Global Service
24/7 emergency assistanceProvides 24/7 assistance for card-related needs, including emergency card replacement, emergency cash advance, and locating ATMs worldwide.
Financial 1
No Annual Fee
No annual feeThere is no annual fee associated with the CareCredit Mastercard.
Lifestyle 1
Priceless® Experiences
Access to exclusive experiences and offersAccess to unique experiences and offers in cities around the world, curated by Mastercard.
Rewards 3
Rewards on Everyday Purchases
1 point per $1 spentEarn 1 point for every $1 spent on eligible purchases made with your CareCredit Mastercard, excluding healthcare-related purchases.
Accelerated Rewards on Healthcare Purchases
2 points per $1 spentEarn 2 points for every $1 spent on eligible purchases at doctor's offices, hospitals, and pharmacies when using your CareCredit Mastercard.
Rewards Redemption for Statement Credit
1 point = $0.01 statement creditRedeem accumulated points for a statement credit, with each point valued at $0.01 (100 points = $1 statement credit).
Security 2
Mastercard Zero Liability Protection
Zero liability for unauthorized transactionsYou are protected against unauthorized purchases if your card is lost or stolen. You pay nothing for unauthorized transactions.
Mastercard ID Theft Protection
Identity theft resolution servicesProvides identity theft resolution services, including monitoring for suspicious activity and assistance with identity restoration if your identity is compromised.
Shopping 1
Everyday Purchases
Accepted everywhere Mastercard is acceptedUse your CareCredit Mastercard for everyday purchases everywhere Mastercard is accepted, in addition to health and wellness expenses.
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
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The CareCredit Mastercard primarily offers promotional financing (e.g., 0% APR for 6, 12, 18, or 24 months) on qualifying purchases made within the CareCredit network and potentially on general Mastercard purchases, depending on the specific offer. Eligibility requires applicants to be 18 years or older, a US resident, possess a valid SSN or ITIN, and meet Synchrony's creditworthiness criteria (typically good to excellent credit for the Mastercard version). Store-specific restrictions and promotional financing terms apply based on the healthcare provider or merchant. Traditional signup bonuses (points/cashback) are not the primary feature; instead, the value is in deferred interest financing. Standard credit application rules apply.
Max Cards Per Issuer: 4
Min Spend Interval: N/A for primary promotional financing; typically 3 months for traditional spend bonuses.
Cliff Effect Rules: CareCredit Mastercard does not typically have 'cliff effects' related to benefits from other cards in a family, as it's a specialized financing product. However, holding multiple Synchrony credit cards can impact overall credit limits, future approval odds, and Synchrony's perception of your credit risk and exposure across their portfolio.
Special Events: CareCredit often features special promotional financing offers tied to specific health and wellness categories (e.g., dental procedures, veterinary care, vision correction, cosmetic treatments) or in partnership with large provider networks. These are typically ongoing or seasonal rather than 'events' in the traditional retail sense.
Holiday Promos: CareCredit may offer enhanced promotional financing terms or special enrollment incentives during major holiday seasons (e.g., end-of-year, tax season for medical deductions) or during health awareness months (e.g., Dental Health Month, Pet Health Month).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.6 / 5.0
Top Positive:
Provides crucial financing for unexpected medical, dental, and veterinary expenses with beneficial promotional 0% APR periods, making essential care accessible.
Top Negative:
Frequent complaints about high deferred interest if balances aren't paid in full, confusing billing practices, and frustrating customer service experiences.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Citi Simplicity Card
- Chase Freedom Unlimited
- Discover it Cash Back
Card Value Score: 85.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: January 2024