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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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
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Other Credit Cards from Synchrony Bank
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
25.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
27.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
400 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Purchase APR
Up to 29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -37, or 2.3 on a 5-point rating scale.
-37
-1000+100
No one recommends
Everyone recommends
CareCredit Community Reviews
Would you recommend CareCredit to your friends?
U
Anonymous
Oct 22, 2024
May or may not recommend
Very poor customer service. Issues you call about are never resolved. I disputed the same charge 4 times because they would not complete the investigation properly. The representatives are incompetents and difficult to understand. They deliberately disconnect the calls because they don't want to help or hope will go away. SYNCHRONY BANK OFFERS TERRIBLE BUSINESS SERVICES. Stay away as you will not receive good customer ...Show More
Andrew M.
Apr 6, 2024
May or may not recommend
I borrowed $2700, when I had paid back $2400 at one year, they charged me $1003 in interest. That is 37% of the original principal when I had paid back 90%. They are deceptive. Their statement had a red notice saying see below for more information, then below there was a red notice saying see above for more information. There was no such information between these ...Show More
CH
Courtney H.
Sep 25, 2023
May or may not recommend
Up until recently, I thought they offered a great card to help with pets and emergencies, and I would recommend them. Now, however, I will tell every person how they left me high and dry when my father passed away and I ACTUALLY NEEDED a little extra cushion. I have never missed a payment or been over limit, and have barely carried a balance on the card over the ...Show More
U
Anonymous
Sep 18, 2023
May or may not recommend
I had this card, because it was so important to us- we made sure we paid at least the minimum payment every month but usually paid more. I had paid it off a few months prior and needed to schedule a dentist appt so was giving the dentist my care credit information only to find out it was closed out. I had not missed payments, did not owe a balance ...Show More
U
Anonymous
Aug 19, 2023
May or may not recommend
Don’t get this card they close your card for no reason even when you pay it on time and pay it off with no explanation and very rude once it’s closed
Kim B.
Jun 14, 2023
May or may not recommend
I got a Care Credit card for a huge dental bill I had. I elected to do 3 year financing with pretty high interest. I made my payments very much on time. I never missed one or was late. My Mom offered to pay off for me so I wouldn't have to pay the high interest. I Tried to pay online with her bank info. For some reason it was ...Show More
AH
Ashley H.
May 11, 2023
May or may not recommend
They are horrible. They are crooks and rob you. Don't trust them for anything¡!!!!!!!!!!
GT
Grace T.
Feb 2, 2023
May or may not recommend
CARECREDIT
specifically, this medical credit is a loan shark. Beware, they’re false advertisement and they won’t negotiate to pay off your credit nor remove any interest charges. They are not helping people but making them more in debt. By all means do not use this card. BIG INTEREST CHARGES!!!
They will also close your account without any warning even if you have good credit!!! NOT WORTH IT!
MM
Mike M.
Feb 2, 2023
May or may not recommend
Signed up to get Lasik for this. Was going to pay it off right away after getting the surgery. The receptionist at the doctors office said Care Credit offered no interest and there is no difference if you pay the minimum monthly payment which I decided was better to not impact my bank account right away. Paid off the required amount for months until i realized the principle was barely ...Show More
Shane P.
Dec 27, 2022
May or may not recommend
Just doing another customer review.
I broke my foot a couple of years ago and had to have surgery on it.
Big shout out to McBride orthopedic for their amazing service and care.
But I had to get a loan through care credit/ synchrony to pay for the surgery.
I was looking back through my statements and there are interest charges September-December of $50-$60 dollars. But, please look at this ...Show More
U
Anonymous
Dec 3, 2022
May or may not recommend
If you don't mind 26.99% and having all the deferred interest since the opening of the card charged to you at once if you are one day late, then this is the card for you! I had to pay $1,231.62 in interest, beside my monthly $100/month. I'm actually upset that my dentist even presented this garbage as an option to me.
CB
Caroline B.
Oct 18, 2022
May or may not recommend
They closed my account indefinitely without informing me since my credit score had declined slightly from 700s. They could have contacted me to understand what is going on before closing my account. NEVER AGAIN will I be using this card. I'd rather use my AMEX cards for medical procedures. Stay away from this card that can cause you a huge embarrassment.
Hollie B.
Aug 19, 2022
May or may not recommend
As long as you pay the amounts during the no interest grace period, you can pay off your debt interest free. This is great when you have a dental emergency or I even use mine for pet vet visits/medication.
Mary H.
Jun 8, 2022
May or may not recommend
If you are a few days late, they apply your entire payment to interest and your balance stays the same. They are in league with some dentists who just want to get paid and fail to do things like preauthorizations, etc. like Monarch Dental. It would be better to borrow from anyone, even your in-laws, than these crooks.
MR
Megan R.
May 3, 2022
May or may not recommend
This card was a lifesaver when I needed dental care but I would recommend only using it for emergencies. The payments were pretty high but customer service was always great. Its a great thing to have as a security net but I would not recommend using it as a regular credit card.
PH
Patrick H.
Apr 24, 2022
May or may not recommend
I have had Care Credit for many years. I got this card initially to help with my vet bills. As time went on I have been able to use it to help with a lot of stuff. Medical bills, prescriptions, and other wellness needs outside of my fur babies. The customer service reps have always been super polite and helpful when I've called to ask questions. Sometimes they have promotional ...Show More
Katrina O.
Mar 8, 2022
May or may not recommend
You need a decent enough credit score (not super high by any means, but try for above 600 before applying). If you have that, then this is a good card to get when you're in a bind for a dental procedure or even if you have multiple pets. I was approved right away for $1100 beginning line and could use it that day with the number they sent to my ...Show More
Karina V.
Feb 17, 2022
May or may not recommend
I got this credit card a few years ago when I needed to pay for my Lasik surgery. At the time it offered no interest if paid in full within 12 months. And I did just that, it's great for medical emergencies and procedures but I haven't used it for more than that.
JG
Jennifer G.
Feb 16, 2022
May or may not recommend
There aren't many benefits to this card. High fees. I got it because my cat needed surgery and it was an emergency. It was fine for that but I don't recommend it for regular use.
MM
Marykay M.
Aug 1, 2021
May or may not recommend
They said my score of480 is 2 low and i have full time job but dont belive in creidt cards
Showing 20 of 30 reviews
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