Last Updated: 04/18/2025
SuperMoney User Recommendation Score -37
Mostly not recommended30 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
600 - 850
Annual Fee
$0
Number of Reviews
CareCredit Review
This is a card issued by Synchrony Bank. If you're wondering whether CareCredit is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 poor credit.
Pros & Cons of CareCredit
| The Good | The Bad |
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CareCredit FAQ
Does CareCredit have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for CareCredit?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.CareCredit has a variable purchase APR of 26.99%. CareCredit does not offer balance transfers.
Does CareCredit have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. CareCredit does not offer balance transfers.Does CareCredit have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for CareCredit?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for CareCredit?
The customer service number for CareCredit is (866) 226-5638.
What is the support contact email for CareCredit?
The support contact email for CareCredit is customer.service@mail.synchronybank.com.
What is the login page for CareCredit?
You can access the login page of CareCredit here.
How do people rate the customer service and user experience of CareCredit?
Overall, CareCredit is mostly not recommended based on community reviews that rate customer service and user experience.
Does CareCredit report your account activity to credit bureaus?
Yes, CareCredit reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, CareCredit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for CareCredit
- Visit the website of CareCredit.
- 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 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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Hours of Operation
Sunday
8:00AM - 12:00AM
Monday
8:00AM - 12:00AM
Tuesday
8:00AM - 12:00AM
Wednesday
8:00AM - 12:00AM
Thursday
8:00AM - 12:00AM
Friday
8:00AM - 12:00AM
Saturday
8:00AM - 12:00AM