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LAST UPDATED: November 15th, 2023

CareCredit, from Synchrony Financial, provides financing solutions for medical expenses in multiple industries. Founded in 1987, the company knows its way around healthcare financing and has an established network of 225,000 health providers and retail locations. 

CareCredit provides medical credit cards that can be used for multiple purposes, such as going to the dentist's office or a routine checkup for those who are low on cash. Card holders can use this medical credit card to pay for deductibles, copays, and prescriptions that aren't covered by insurance.

Continue reading for a complete review of CareCredit.

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The Good

  • 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.


The Bad

  • 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.


The Bottom Line

CareCredit has a lot of experience in the healthcare lenders industry and has a lot of features that make patients' lives easier. CareCredit's simple application process and online portal makes it relatively easy for members to use. CareCredit works hard to make sure its customers can get the medical care they need as its medical credit card can be used for a broad range of services. 

Potential members should be aware that CareCredit isn't a finance company and only offers the healthcare credit card to those seeking help with their medical bills. If you are looking for medical assistance with dental expenses, vision, veterinary care, purchase of hearing aids, or cosmetic surgeries, CareCredit is a reputable choice.

View Best Healthcare Financing Companies

Currently, CareCredit reviews are limited. If you have used CareCredit's credit card for medical expenses, please tell us about your experience by leaving a review.

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26 Reviews

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Deborah Dyer Hendersonville, TN

Oh my goodness when I saw that Care Credit was one of the companies I could review, it took me back years ago to when I first opened an account with this company. My 12 year old daughter, who is now 41 needed braces, and there was no way we would have been able to afford them without using this line of credit. After paying the braces off, myself and husband used Care Credit for ourselves in health situations that accepted it. As early as two weeks ago, I found myself pulling the card out of my wallet again for an Endodontist appointment that charged quite a bit for a consultation. Care Credit is used more and more everywhere these days. I am glad so many places accept it and will continue to use it as I see it might be needed.

4 months ago

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Robert Horn II Pahrump, NV

When one of our dogs required major surgery at our veterinarian, the bill was not inexpensive. Lucky for us the vet accepted CareCredit and we were able to pay off the debt over twelve months with no interest charges.

3 months ago

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Mindy Clarke Tacoma, WA

We have used care credit twice in the past for our animals in emergencies. The last time we had to put out beloved 16 year old family member to sleep. We were approved for more than we needed. Their customer service reps are amazing!! You don't have to wait for qualification and its easy to apply.

5 months ago

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Heather H Sanford, FL

CareCredit is a fabulous option if you're approved. The approval process was smooth, easy to complete and quick. CareCredit helped me get my daughter's braces without worrying about saving up for all of the expenses not covered by my dental insurance. If it weren't for CareCredit, my daughter would've had to wait for a couple of years to begin the process of making her smile even more beautiful.

7 months ago

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Aaron Anderson

Helpful and friendly staff. Used them to help with medical procedures. Highly recommend

2 weeks ago Edited November 20, 2023

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Dee Blackstone, MA

This is a great resource for paying medical bills. It's not accepted everywhere, but most places I've tried has taken it.

3 months ago


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Cheryl Valle Las Vegas, NV

They have great rates and great customer service.They work well with each customer. Also you can utilize the credit card with Dentist and pet medical care.

6 years ago

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Don Thigpen Kansas City, MO

Yes! My company indeed. However, very expensive. On the positive, the are easy to be approved for and the come in handy when there is a medical emergency where you have to copay or pay entirely. They evenly accomodate your pet's medical as well. Therefore, their service is worth tolerating the high interest rate.

9 months ago Edited February 9, 2023

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Phyllis Kent Glendale, AZ

Care credit has saved me several times. When it came to my dental bill or my pet bill. Great customer service. 0 percent interest!!

9 months ago

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larry Fort Myers, FL

Great company. six months same as cash make it a great company to do business with and extend your payments with no interest

10 months ago


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Jaci Rhoades Irving, TX

I had to use this once to pay for medical bills. It is based off of credit. However, as long as your credit is good, you will get enough money to pay your bills and help your loved one.

3 years ago


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Jon Moreno Sandy, UT

So easy to use and they always seem to have different promotions as far as no interest for 6 months-1 year. The app is easy and no need to carry around a physical card it is in the app.

3 years ago

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Life of Frog South Bend, IN

Love that I can pay at the dentist, optometrist, hospital, or veterinarian's office with this one card!

1 year ago