CareCredit
in Personal Credit Cards from Synchrony Bank
Cast your vote
Would you recommend CareCredit to your friends?
| Community Rating | Mostly recommended |
| Purchase APR (Variable APR) | 26.99% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 560 - 750 |
| Annual Fee | $0 |
| Number of Reviews | 5 |
CareCredit Review
CareCredit is a credit card issued by Synchrony Bank. If you're wondering whether CareCredit is the right card for you, read on. This is everything you need to know to make a good choice.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.99%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- Accepts cosigners. Synchrony Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
CareCredit Pros & Cons
| The Good | The Bad |
|---|---|
|
|
CareCredit FAQ
Is there a CareCredit cash back or rewards program?
No, CareCredit does not offer a rewards program.
What are the relevant APRs for CareCredit?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. CareCredit has higher than average purchase APRs.CareCredit has a variable purchase APR of 26.99%.
Does CareCredit have an introductory APR offer on balance transfers?
No, CareCredit does not come with an introductory APR offer for balance transfers.Does CareCredit have an introductory APR offer on new purchases?
CareCredit does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for CareCredit?
The following fees apply to CareCredit:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Late Payment Fee | up to $40 |
Does CareCredit report your account activity to credit bureaus?
CareCredit reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
- Innovis
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.
How to apply for CareCredit
- Visit the CareCredit website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Contact
- Headquarters
-
200 Crossing Blvd Suite 101
Bridgewater, NJ 08807 - (866) 226-5638
- Visit Site
Other Services by Synchrony Bank
View all personal credit cards offered by Synchrony Bank
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 23 days |
| Minimum Interest Charge | $2 |
| Late Fee Amount | Up to $40 |
CareCredit Community Reviews
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