CareCredit

• Range of Services
• Large Medical Provider Network
• Easy Application Process
• Authorized User Option
• Promotional Financing Options
• Account Management Tool
• CareCredit Mobile App

Range of Services

The CareCredit credit card can be used as a payment option for out-of-pocket costs that aren't covered by medical insurance. CareCredit also provides special financing options that customers might not get with other cards, and helps patients pay for medical care that may exceed insurance coverage. The credit card can be used for a wide range of services:

• Animal/pet card
• Chiropractic
• Cosmetic
• Dentistry
• Dermatology
• Fitness
• Hearing
• Hospitals and surgical centers
• Labs and diagnostics
• Med equipment/supplies
• Pharmacies/personal care
• Primary care/clinics
• Sleep
• Spa
• Specialists
• Vision
• Weight loss

Large Medical Provider Network

With a network of over 200,000 medical providers, patients have plenty of options to choose from when using their CareCredit credit card. This is very important, as members shouldn't feel limited to only a few options for their medical needs. CareCredit strives to have multiple network options for each customer so they can choose a provider best suited to their needs. Members can search for providers online with CareCredit's "Find a Doctor" tool - search by zip code, profession, or doctor name, gives members the options for their specific needs.

Easy Application Process

CareCredit makes applying for a card as simple as possible. Most people can feel very overwhelmed when it comes to healthcare financing. However, CareCredit helps with this stress. Simply apply online, and wait for credit approval. Once approved, you can begin using your CareCredit card immediately. CareCredit will then send you monthly statements, keeping you up to date on your transactions and account.

Authorized User Option

You can add an authorized user to your CareCredit account through through your online account or by calling the company's Customer Care Center.

Promotional Financing Options

CareCredit offers both short-term financing and long-term healthcare financing. A great benefit to using CareCredit for your healthcare financing needs is its promotional financing options, which give you more payment plan options to choose from. 

If you choose to make your payment in full within 6, 12, 18, or 24 months, you can select a payment plan with 0 percent interest. Otherwise, you can pay 14.9 percent APR until paid in full (equal fixed monthly payments required).

Account Management Tool

On the CareCredit website, the management tool can be used to make payments, review your account, see transactions, and update personal information all online. The company will mail you, or email you, monthly statements, but members can also see their account at any time online. 

In addition, CareCredit has a dedicated customer service number for cardholders and one for providers. 

CareCredit Mobile App

Another resource CareCredit provides is the CareCredit Mobile App. Members can pay bills and view all necessary healthcare financing information from the palm of their hand. 

The mobile app is currently available for both iOS and Android users.

• No Rate Ranges
• Not Accepted by all Healthcare Providers

No Rate Ranges

CareCredit has set rates for certain purchase amounts. While this provides predictability, there is no option to lower your rate based on your credit score and payment responsibility. CareCredit's rates are as follows:

• Purchases of $1,000 or more — 24 months offer with a 14.90% APR, 36 months offer with a 15.90% APR, or 48 months offer with a 16.90% APR
• Purchases of $2,500 or more — 60 months offer with a 17.90% APR

If you don't pay off debt during the introductory, promotional period, you could get hit with higher interest rates.

Not Accepted by all Healthcare Providers

While CareCredit does have a large network, the CareCredit credit card is not accepted by all healthcare providers. Therefore, it is important to ensure that your medical providers accept CareCredit before applying.