CareCredit Corporation

CareCredit is a credit card issued by Synchrony Bank. 

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 560.

Accepts cosigners. 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.

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.

Is there a CareCredit cash back or rewards program?

No, CareCredit does not offer a rewards program.

What are the relevant APRs for CareCredit?

CareCredit has a variable purchase APR starting at 26.99% .

What are the CareCredit fees?

The following fees apply to CareCredit:

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.

How to apply for CareCredit

• Visit the Synchrony Bank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.