THE CARDTUNED DATABASE
CareCredit Credit Card
Issuer: Synchrony
No ongoing rewards program on the base CareCredit card; value is healthcare promotional financing.
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — CareCredit network account
- Intro APR
- Deferred interest for 6, 12, 18 or 24 months on $200+; reduced APR offers from 17.90% to 20.90% for 24–60 months on qualifying larger purchases
- Regular APR
- 32.99% purchase APR; 39.99% penalty APR; $2 minimum interest charge
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Deferred interest for 6, 12, 18 or 24 months on $200+; reduced APR options for larger purchases
- Spending requirement
- $200+ deferred; $1,000+/$2,500+ reduced APR
- Time window
- 6–60 months
Offer last checked: 2026-09-09
Additional benefits
• Deferred interest for 6, 12, 18 or 24 months on $200+
• 17.90% APR for 24 months on $1,000+
• 18.90% APR for 36 months or 19.90% for 48 months on $1,000+
• 20.90% APR for 60 months on $2,500+
• Accepted at 285,000+ CareCredit Network locations
Restrictions to know
Promotional financing is available only at enrolled CareCredit providers and select retailers, not everywhere a CareCredit Rewards Mastercard may be accepted. Deferred interest accrues from purchase date and is charged if not paid in full. Availability varies by provider.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff