CareCredit Card

Synchrony Pending

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8

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: qc-kinetix-carecredit-card

Issuer: Synchrony

Card Name: CareCredit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:48

Last Scraped: Feb 17, 2026 07:50

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers SCRA benefits, including a potential interest rate reduction to 6% for obligations incurred prior to active duty military service.

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) 8 Total
PENDING
Account Management 2
Online Account Management

Cardholders can manage their CareCredit account online, including viewing statements, making payments, and updating personal information securely.

Mobile App Access

Access and manage your CareCredit account conveniently through the dedicated mobile app, available for iOS and Android devices, to find providers, pay bills, and view account details.

Financial 2
No Annual Fee
$0

There is no annual fee associated with the CareCredit credit card.

Revolving Line of Credit
Reusable credit line

Provides a dedicated line of credit for healthcare expenses that can be used repeatedly for different treatments and procedures, as long as credit is available.

Financing 2
Promotional Financing - No Interest if Paid in Full
6, 12, 18, or 24 months promotional periods for purchases $200+

Special financing options available on qualifying purchases of $200 or more. If the promotional purchase amount is paid in full by the end of the promotional period (6, 12, 18, or 24 months), no interest will be charged. If not paid in full, interest will be charged from the original purchase date at the standard APR.

Promotional Financing - Reduced APR
Extended terms (e.g., 24, 36, 48, 60 months) with reduced APR

Offers extended payment plans with a reduced Annual Percentage Rate (APR) and fixed monthly payments for larger purchases. Interest is charged from the purchase date at the reduced promotional rate.

Healthcare Access 1
Extensive Provider Network
Over 250,000 locations

Accepted at over 250,000 enrolled healthcare provider locations across the U.S. for a wide range of health and wellness needs, including dental, vision, veterinary, cosmetic, and more.

Security 1
Zero Fraud Liability
No liability for unauthorized charges

Cardholders are not responsible for unauthorized charges made with their CareCredit card. This protection applies to purchases made in-store, over the phone, or online.

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%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The qc-kinetix-carecredit-card is a specialized healthcare financing credit card issued by Synchrony, specifically for use at participating QC Kinetix locations. For 2026, eligibility requirements are projected to remain consistent: applicants must be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Applications can be submitted online or directly through a participating QC Kinetix provider, often with an instant decision. This card does not offer traditional sign-up bonuses (e.g., points, cashback). Its primary benefit is promotional financing, typically offering 0% APR for a specified period (e.g., 6, 12, 18, 24 months) on qualifying purchases, provided the balance is paid in full by the end of the promotional period. If not, retroactive interest from the purchase date may be applied. Specific promotional offers, including duration and minimum purchase requirements, are determined by the provider (QC Kinetix) and are subject to credit approval. The card is exclusively for healthcare services at authorized CareCredit providers, such as QC Kinetix, and cannot be used for general retail purchases.

Max Cards Per Issuer: 6

Min Spend Interval: Not applicable for traditional bonus offers. For promotional financing, the interval is the specific promotional period (e.g., 6, 12, 18, 24 months) during which the balance must be paid to avoid retroactive interest.

Shutdown Risk Triggers: Common triggers for Synchrony account review or shutdown include: high cumulative credit exposure across multiple Synchrony accounts, excessive credit applications in a short period, sudden and uncharacteristic spending patterns, missed or late payments, or suspected fraudulent activity. While manufactured spending is less relevant for a healthcare-specific card, any attempt to use the card outside its intended purpose or for non-qualifying transactions could also be a trigger.

Cliff Effect Rules: The primary 'cliff effect' for CareCredit relates to its promotional financing. If the full promotional balance is not paid off by the end of the promotional period, deferred interest (often at a high APR) is typically charged retroactively from the original purchase date. There are no direct 'card family' benefits or penalties that affect other Synchrony products.

Special Events: CareCredit does not typically feature 'store card special events' in the traditional retail sense (e.g., discount days). Its 'special events' are the ongoing promotional financing offers, which are generally available year-round for qualifying purchases at participating providers like QC Kinetix, rather than being tied to specific dates or sales.

Holiday Promos: CareCredit's promotional financing offers are generally ongoing and not specifically tied to holiday periods. While individual healthcare providers might market CareCredit more aggressively during certain times of the year, the underlying promotional financing terms are usually consistent and not holiday-dependent.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Provides essential financing for healthcare needs, often with promotional 0% APR periods, making it accessible for many users.

Top Negative:
High deferred interest rates if promotional periods are missed, leading to significant costs; some users report issues with customer service and limited acceptance at certain providers.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Wells Fargo Health Advantage Card
  • Citi Simplicity Card
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0