CareCredit is now also accepted at select retail locations.*
How is CareCredit different from my other bank cards?
CareCredit extends special financing offers that you can’t get when using your Visa or MasterCard to pay for health, beauty and wellness care at enrolled providers. 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**.
CareCredit also extends longer term healthcare financing for 24, 36, 48 or 60-month periods with a 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**).
No. CareCredit is a healthcare credit card and it does not replace medical insurance policies that you might have. It is intended to help you pay for out-of-pocket expenses that are not covered by your health plan.
I’m not sure I want another credit card. Why do I want CareCredit?
CareCredit helps you pay for out-of-pocket healthcare expenses for you, your family, and even your pets! Once you are approved, you can use it again and again* to help you manage health, wellness and beauty costs not covered by insurance.
Plus, Special Financing** for 6, 12, 18 or 24 Months is available on qualifying purchases of $200 or more made with your CareCredit credit card account. For purchases of $1,000 or more special financing** for 24, 36 or 48 months is available, and for purchases of $2,500 or more special financing for 60 months is available.
* Subject to credit approval. Minimum monthly payments required. Not all promotional financing options are available at all enrolled providers. Ask yours for details. Promotional financing options are not available at all retail locations that accept CareCredit and standard account terms will apply to such purchases.
** For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms.
Dental Financing FAQs
What treatments can I use my CareCredit card for?
You can use your CareCredit healthcare credit card to pay for any dental treatments that improve your mouth health like preventative check-ups, cleanings and root canals. Or you can use it for cosmetic procedures like whitening, veneers, dental implants and ceramic crowns.
Can I use my CareCredit card to pay for whitening, veneers, dental implants or other cosmetic dentistry?
Yes, you can use your CareCredit healthcare credit card anywhere it is accepted for all different types of elective and cosmetic dentistry.
I’ve maxed out my medical insurance benefits, can I use my CareCredit account to pay for a root canal or other necessary procedures?
Yes, you can use your CareCredit account to pay for all out-of-pocket costs from elective procedures such as teeth whitening to acute needs such as a root canal. Your card can also be used to pay for medical insurance deductibles and co-payments.
I thought I should only use my CareCredit healthcare credit card for major dental expenses, but it looks like I can pay for 6 month check-ups as well. Why is that?
You can use your CareCredit healthcare credit card for all of your dentistry related expenses including regular check-ups. After all, a preventative approach to your oral health can help you avoid problems down the road.
I would like to replace my mercury fillings with ceramic ones. Can I use my CareCredit account to cover the up-front cost?
Yes, CareCredit allows you to finance dental procedures like the cost of ceramic fillings and pay for them with monthly payments.