CareCredit Card

For People with
No Credit



CareCredit is a healthcare credit card that you can use to pay for out-0f-pocket healthcare expenses for yourself and your family, pets included.

You may be able to get interest-free promotional financing for certain purchases, depending on where you are and what you’re buying. There are 6, 12, 18, and 24-month offers.

Take note that with these offers, if you don’t pay off the entire balance by the due date you’ll be charged interest on the entire balance going all the way back to the purchase date. You’ll have a minimum payment each month that may not cover your entire purchase cost, so divide the total balance by the number of months to figure out the right monthly payment. Consider dividing by one less month to make sure it’s paid off on time.

To apply, you just need to select a doctor or business, or describe how you plan on using the card.

CareCredit is accepted at over 200 healthcare providers nationwide, however not all offer promotional financing.

Card Quick Facts

Card Quick Facts

  • No interest if paid in full within 6, 12, 18, or 24 months on eligible purchases
  • Minimum payments may not cover the entire purchase cost by the end of the promotional period, in which case you’ll be charged interest on the full balance going back to the purchase date
  • Not all healthcare providers accept CareCredit, and not all offer special promotional financing
  • Accepted at over 200 healthcare providers nationwide
  • For your health, your family, and your pets

For People with
No Credit



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Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee -
Additional Cards Annual Fee -
Regular Purchase APR 26.99%
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Special Promotional Financing

    Interest-free promotional financing for eligible purchases, of 6, 12, 18, or 24 months. If you miss a payment or fail to pay off the entire balance by the due date, you’ll be charged interest on the full balance going all the way back to the purchase date.

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