Care Credit® Card

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You can use your CareCredit credit card account for yourself, your family, even your pets.

Once approved, you can start using your CareCredit account right away. It's a credit card you can use again and again, as often as you like as long as you have available credit and your account is in good standing.

Here's how it works:

  • Schedule an appointment with your current provider or choose from over 175,000 CareCredit providers nationwide. If your provider does not currently accept the CareCredit healthcare credit card, you can refer them to us.
  • Ask your provider which CareCredit special financing options are available at their office. (Subject to credit approval. Minimum monthly payments required.)
  • Choose a financing option that's right for you on any qualifying purchase.
  • Receive CareCredit monthly statements in the mail or online.
  • Make monthly payments, being sure to pay your balance in full by the end of the promotional period.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Above Average Credit, Fair Credit, Limited Credit Personal $0* N/A* N/A* 26.99%* None


Quick Summary:
This card is intended for consumers, or "personal use" with an above average credit history. APR's may vary among applicants, however the lowest standard APR is 26.99%* Fixed.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 625 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Synchrony Bank product.

Other Basics:


Approval Rate:
There were 21 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 86% of those applicants were approved.

The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 625, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 89% of 9 users recommend this card.
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