2
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 2 Total
PENDINGCost Savings 1
No Annual Fee
No annual feeCardholders are not charged an annual fee for maintaining the Physicians Choice Credit Card account.
Financing 1
Special Financing Options
Varies by promotion and purchase amountAccess to promotional financing offers on eligible purchases made with the Physicians Choice Credit Card, allowing cardholders to pay for healthcare expenses over time. Specific terms, such as deferred interest or interest-free periods, vary by promotion and purchase amount.
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 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $30.00 |
| 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
Intro APR Offers
Promo Financing: Special financing
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Physicians' Choice Credit Card from Synchrony is designed for healthcare professionals and related businesses. Eligibility typically requires a good to excellent credit score (generally 700+ FICO), US residency, age 18+, a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and verifiable income. Bonus offers commonly include an introductory discount (e.g., 10-20% off the first qualifying purchase up to a specified maximum) or special deferred financing options (e.g., 0% APR for 6-12 months on qualifying purchases over a minimum threshold). Specific bonus terms and conditions are subject to change annually and are often tied to promotional periods.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not typically impose 'card family' bonus restrictions in the same manner as some major issuers. However, they do manage overall credit exposure. Applying for multiple Synchrony cards in a short timeframe or accumulating a very high total credit limit across all Synchrony accounts can lead to denials or reduced credit limits on new applications, as Synchrony assesses your overall credit relationship and risk profile.
Special Events: Exclusive discounts on medical supplies, equipment, or services from participating healthcare vendors; special financing promotions for large purchases; member-only sales events; double/triple points days on specific categories; and early access to new products or services.
Holiday Promos: Major retail holidays (e.g., Black Friday, Cyber Monday, Christmas, New Year's), seasonal sales events, and potentially promotions tied to professional medical conferences or industry-specific events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Easy financing for medical expenses, special promotional offers, quick approval process.
Top Negative:
High deferred interest APR after promotional period, limited use outside of Physicians Choice, inconsistent customer service.
Approval Experience: 70.0 / 100
Recommended Alternatives
- CareCredit Card
- Amazon Store Card
- Petal 2 Visa Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $75.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0