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CareCredit

in Personal Credit Cards

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CareCredit

Unaffiliated

in Personal Credit Cards

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Overview

Who is this credit card designed for?

CareCredit is a credit card issued by Synchrony Bank, which is based in Costa Mesa, CA. 

CareCredit is designed for people with a credit score of 560 to 750. It's perfect for consumers looking for a card without an annual fee. Synchrony Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs?

CareCredit has a variable purchase APR starting at 26.99%.

Is an introductory APR offer available?

No, CareCredit does not come with an introductory APR offer for balance transfers.

CareCredit does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to CareCredit:

  • There is no annual fee.
  • A late payment penalty of $38.

Is a rewards program offered?

No, CareCredit does not offer a rewards program.

Is a signup bonus offered?

CareCredit doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

CareCredit doesn't offer a cash loyalty bonus.

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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Contact

  • Headquarters
  •   2995 Red Hill Ave #100
    Costa Mesa, CA 92626 USA
  •   Visit Site

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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

Grace Period for Late Payment (Days) 23
Annual Fee $0
No Annual Fee  
Late Payment Penalty $38
Minimum Interest Charge $2
Minimum Age 18
Co-signing Allowed  
Credit Score Range 560 - 750
850 300 560 750
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Purchase APR (Variable APR) Starting at 26.99%
Balance Computation daily balance

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