CareCredit

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: steward-health-care-credit-card

Issuer: Synchrony

Card Name: CareCredit

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 09:28

Last Scraped: Feb 17, 2026 09:30

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible Servicemembers and their dependents may have their interest rate on pre-service debt with Synchrony Bank reduced to 6% per year during active duty under the SCRA, as stated on Synchrony's military benefits page.

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
Account Management 2
Online Account Access
24/7 online access

Secure online portal to manage your CareCredit account, view statements, make payments, update personal information, and find participating providers.

CareCredit Mobile App
Mobile app for iOS and Android

Convenient mobile application available for iOS and Android devices, allowing cardholders to manage their CareCredit account on the go, including making payments, checking balances, and finding providers.

Financial Flexibility 1
Dedicated Healthcare Credit Line
Access to a dedicated credit line for healthcare

A revolving credit line specifically for healthcare expenses, allowing cardholders to use the card repeatedly for various medical, dental, vision, and other health-related services at participating providers.

Financing 2
No Interest Short-Term Financing
6, 12, 18, or 24 months promotional period for purchases $200+

Special financing option where no interest is charged on purchases of $200 or more if the full promotional balance is paid within 6, 12, 18, or 24 months. If the balance is not paid in full by the end of the promotional period, interest will be charged from the original purchase date.

Reduced APR Long-Term Financing
24, 36, 48, or 60 months promotional period for purchases $1,000+

Special financing option offering a reduced Annual Percentage Rate (APR) and fixed monthly payments for 24, 36, 48, or 60 months on purchases of $1,000 or more.

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
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
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No Interest if Paid in Full: On promotional purchases, no interest will be assessed if you pay the promotional purchase amount in full within the promotional period. If you do not, interest will be assessed on the promotional purchase from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Supported
Application Process
Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: As of May 2024, Steward Health Care filed for Chapter 11 bankruptcy. It is highly probable that the 'steward-health-care-credit-card' program will be discontinued or significantly altered/wound down by 2026. Therefore, specific application and bonus rules for 2026 are unlikely to exist or would pertain to account closure/transition. If the card were hypothetically active, typical eligibility would include: being 18 years or older, a US resident, possessing a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria. Bonus rules for store cards are generally introductory discounts on first purchases or deferred interest promotional financing offers, rather than traditional spend-based bonuses.

Max Cards Per Issuer: 3

Min Spend Interval: N/A (Promotional financing offers were more common than spend-based bonuses for this type of card, but the program is likely defunct by 2026).

Shutdown Risk Triggers: High credit utilization across Synchrony accounts, defaulting on payments, suspicious activity, excessive credit seeking (multiple applications in a short period). Crucially, the primary trigger for this specific card's program shutdown is the bankruptcy of Steward Health Care itself, leading to the likely discontinuation of the card program.

Cliff Effect Rules: Not applicable; Synchrony store cards do not typically have 'card family' or 'cliff effect' rules similar to general-purpose card issuers.

Special Events: Unlikely to exist in 2026 due to Steward Health Care's bankruptcy. Historically, such cards might offer special financing for specific medical procedures or services provided by Steward Health Care.

Holiday Promos: Unlikely to exist in 2026 due to Steward Health Care's bankruptcy. Store cards generally tie promotions to merchant-specific sales or holiday periods, which would no longer be relevant for a defunct program.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Crucial financing for medical procedures, especially with beneficial 0% APR promotional periods, and an easy application process.

Top Negative:
High interest rates post-promotion, challenging customer service, and limited acceptance to specific healthcare providers.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Prosper Healthcare Lending
  • Citi Simplicity Card

Card Value Score: 80.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0