A healthcare credit card designed for your health and wellness needs
CareCredit
Pay for health, and wellness care at over 250,000 enrolled providers across the nation. Once you’ve applied, you can use it again and again at any location that accepts CareCredit.
Ask your provider to find out which promotion is right for you. You do not need to select a promotion before you apply.
Use it to pay for out-of-pocket expenses that are not covered by medical insurance. Special financing options are also available.
Shorter term financing options
With shorter term financing options of 6, 12, 18 or 24 months no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period.
If you do not, interest is charged from the original purchase date.*
*Subject to credit approval. Details and Terms
Long term healthcare financing
CareCredit also extends longer term healthcare financing for 24, 36, 48 or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full.
Purchases of $1,000 or more may be eligible for a 24 months offer with a 14.90% APR, a 36 months offer with a 15.90% APR or a 48 months offer with a 16.90% APR.
Purchases of $2,500 or more may be eligible for a 60 months offer with a 17.90% APR.**
*Subject to credit approval. Details and Terms
Promotional Financing
How are your payments calculated with CareCredit once you’ve made a purchase?
Below are 2 illustrations showing common cardholder scenarios for making payments using each of the promotional financing options available.***
No Interest If Paid In Full Within 6, 12, 18 or 24 Months
On qualifying purchases of $200 or more made with the CareCredit credit card account at enrolled providers and select retailers in the CareCredit Network. 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 required. Required monthly payments may or may not pay off purchase before end of promotional period.
Example: Below are 3 Cardholder payment examples on a purchase of $1200 using the following promotion: “No Interest if Paid in Full Within 6 Months.”
These examples are for illustrative purposes only and assume the Cardholder’s APR (interest rate) is 26.99% and the amount financed is the only balance on the account. Your account’s APR may be different.
Reduced APR and Fixed Monthly Payments Required Until Paid in Full
On qualifying purchases made with your CareCredit credit card account at enrolled provider locations:
- Purchases of $1,000 or more may be eligible for a 24 months offer with a 14.90% APR, a 36 months offer with a 15.90% APR or a 48 months offer with a 16.90% APR.
- Purchases of $2,500 or more may be eligible for a 60 months offer with a 17.90% APR.
Example: Below is a Cardholder payment example on a purchase of $2400 using the following promotion: “Reduced APR and Fixed Monthly Payments Required Until Paid In Full within 48 months.*”
Example shown is for accounts with only one promotion. Payment allocation may vary based on the number of promotions on the account.
*Subject to credit approval. Details and Terms
***Not all promotional financing options are available at all enrolled providers. Ask yours for details. Promotional financing options are not available at all retail locations that accept CareCredit and standard account terms will apply to such purchases.
How To Apply
Or apply by phone – 1-800-677-0718
Find out immediately by using our easy, automated system anytime.
Apply with a live agent Monday through Friday from 9AM- 9PM (ET).
Please read our Credit Card Account Agreement before you call.
All we need is your:
- Name
- Address
- Date of birth
- Social security number or ITIN
- Net income
- Housing Information
Must be 18+ to apply, must be 21+ to apply by phone.
No Interest if Paid in Full within 6, 12, 18, or 24 Months
* No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the 6, 12, 18, or 24 month promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date. The regular minimum monthly payment terms of the account will apply. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance, except the fixed monthly payment will apply until the promotion is paid in full. For new accounts, Purchase APR (interest rate) is 26.99%. Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval.
Reduced APR and Fixed Monthly Payments Required Until Paid In Full
Interest will be charged on promotional purchases from the purchase date at a reduced 14.90% APR on purchases with 24 months promotional financing, 15.90% APR on purchases with 36 months promotional financing, 16.90% APR on purchases with 48 months promotional financing and a 17.90% APR on purchases with 60 months promotional financing. Fixed monthly payments are required until promotion is paid in full and will be calculated as follows: on 24-month promotions — 4.8439% of initial promotional purchase amount; on 36-month promotions — 3.5108% of initial promotional purchase amount; on 48-month promotions — 2.8803% of initial promotional purchase amount or on 60-month promotions — 2.5339% of initial promotional purchase amount. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases except the fixed monthly payment will apply until the promotion is paid in full. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases except the fixed monthly payment will apply until the promotion is paid in full. For new accounts, Purchase APR (interest rate) is 26.99%. Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval