CareCredit is different from a regular credit card.
It helps you pay for out-of-pocket expenses not covered by medical insurance by extending special financing options that you can't get when using your Visa or MasterCard.
Pay for health, and wellness care at over 200,000 enrolled providers across the nation. Once you've applied, you can use it again and again at any location that accepts CareCredit.
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.*
*Details and Terms
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 $2,500 or more qualify for the 60-month offer with a 16.9% APR (24, 36 and 48 financing terms are for purchases of $1,000 or more with a 14.9% APR).**
For complete details, see the CareCredit account agreement within your application.
Ask your provider to find out which promotion is right for you. You do not need to select a promotion before you apply.
** Details and Terms
How To Apply
Instant approvals*, no activation fee and no need to re-apply!
Apply By Phone - 1-800-677-0718 (must be 21 and over)
Find out immediately if you have been approved by using our easy, automated system anytime.
Apply with a live agent Monday through Friday from 9AM- 9PM (EST).
You can call the same number 24 hours a day, 7 days a week to complete your telephone application through our easy-to-use automated application system. Please read our Credit Card Account Agreement before you call.
All we need to complete your application is your:
Doctor's name, or how you plan to use your CareCredit card
Date of birth
Social security number or ITIN
* Must be 18+ to apply. Approval is based on the information you provide on your credit application and the information provided to us by the credit reporting agencies used by Synchrony Bank. This is also true for joint applicants, if applicable.