Empower Dental Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: empower-dental-credit-card

Issuer: Synchrony

Card Name: Empower Dental Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:35

Last Scraped: Feb 16, 2026 18:37

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Cost Savings 1
No Annual Fee
$0

The credit card does not charge an annual fee for maintaining the account.

Digital Tools 1
Easy Online Account Management

Cardholders can easily manage their account online, including checking balances, viewing statements, and making payments.

Financing 1
Special Financing Options
Varies by promotion

Offers cardholders special financing promotions for dental care purchases, allowing for deferred interest or reduced APR periods. Specific terms vary by promotion and purchase amount.

Payment Flexibility 2
Dedicated Credit Line for Dental Care

Provides a specific credit line exclusively for dental treatments and related expenses, separate from general-purpose credit cards.

Convenient Monthly Payment Options

Allows cardholders to manage their dental care costs through convenient and manageable monthly payment plans.

Benefits Summary (Flags)
PENDING

Extended 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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments are required. The regular APR for purchases will apply to the remaining balance at the end of the promotional period, if the balance is not paid in full.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 700
Good
Supported
Application Process
Available
Not Available
TransUnion (primary), Experian, Equifax
Issuer Rules & Policies
PENDING

Rules: The empower-dental-credit-card from Synchrony primarily offers promotional financing rather than traditional sign-up bonuses. For 2026, expect offers such as 0% APR for 6, 12, or 18 months on qualifying dental procedures over a specified minimum amount (e.g., $299, $499, or $999). Deferred interest often applies if the promotional balance is not paid in full by the end of the period. Eligibility requirements include being 18 years or older, a U.S. resident, possessing a valid Social Security Number or Individual Taxpayer Identification Number, and meeting Synchrony's creditworthiness criteria. Specific promotional offers are usually advertised by participating dental practices.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional sign-up bonuses; promotional financing terms apply immediately upon qualifying purchase.

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across Synchrony accounts, excessive credit utilization on Synchrony cards, multiple recent applications for Synchrony products, defaulting on any Synchrony account, suspicious account activity, or significant changes in credit profile.

Cliff Effect Rules: Not applicable. Synchrony store cards are generally independent products without shared bonus eligibility or 'card family' rules that impact account status across different Synchrony-issued cards.

Special Events: Promotional financing offers often coincide with specific dental health awareness campaigns (e.g., Oral Health Month), seasonal dental check-up pushes, or practice-specific promotions. These are typically communicated directly by participating dental providers.

Holiday Promos: While less common than retail cards, some dental practices may offer special financing promotions around major holidays (e.g., end-of-year for FSA/HSA utilization, back-to-school for orthodontics, or general holiday season for elective procedures) to encourage patient spending.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Enables patients to finance necessary dental procedures; offers flexible payment options; provides access to care that might otherwise be unaffordable.

Top Negative:
High deferred interest rates if balance is not paid in full by the promotional period end; potential for confusing terms and conditions; customer service issues reported for Synchrony-issued cards.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • CareCredit (Synchrony Bank)
  • Wells Fargo Health Advantage Card
  • Discover it® Cash Back (for 0% intro APR on purchases)

Card Value Score: 70.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Mar 01, 2024 00:00