CareCredit credit card
This card is for patients who need to spread a health or wellness bill over a few months. At CareCredit Network locations, purchases of $200 or more can get no interest if paid in full within 6, 12, 18 or 24 months, and there is no annual fee. The caveat: it is deferred interest, so if the promo balance is not paid in full in time, 32.99% interest is charged from the date of purchase, and a late payment can trigger a 39.99% penalty APR.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Spreads a health bill over up to 24 months with no interest if paid in full
- One card across providers in the CareCredit Network
- No annual fee
- Reduced APR fixed-payment plans where the provider offers them
- Annual fee: $0
- Regular purchase APR: 32.99%
- Penalty APR: 39.99%
- Late payment fee: Up to $41
- Minimum interest charge: $2
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- You face a health or wellness bill of $200 or more at a CareCredit Network location.
- You can clear the balance inside a 6, 12, 18 or 24 month promo.
- You want a separate line for health costs, apart from your everyday cards.
- You should skip it if you are not sure you can pay the promo in full: interest at 32.99% is charged from the date of purchase.
Score guess
Guess your credit score
Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Approval results for this card
180 results: 154 approved, 26 denied. Approval rate 86% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 670 to 739 | TransUnion | - | NY | Oct 2020 |
| Approved | 580 to 669 | TransUnion | - | CA | May 2018 |
| Approved | 670 to 739 | Experian | - | TX | Jun 2017 |
See all 180 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.