THE CARDTUNED DATABASE
CareCredit Rewards Mastercard
Issuer: Synchrony · Network: Mastercard
Through 2026-12-31: 4 points per $1 on qualifying CareCredit-network purchases under $200 and eligible health, wellness and pet-store purchases; 3 points at grocery stores and restaurants; 2 points elsewhere outside the network
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- Promotional financing may be available on qualifying CareCredit-network purchases of $200 or more; no standard general-purpose intro APR.
- Regular APR
- 32.99% purchase APR for new accounts under the current published disclosure
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.
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Dining & Groceries | 3 points | at grocery stores and restaurants |
| Eligible purchases | 2 points | elsewhere outside the network |
Additional benefits
• Promotional financing on qualifying CareCredit-network purchases
• Redeem starting at 1,000 points
Restrictions to know
Elevated rewards end 2026-12-31 unless extended. CareCredit-network purchases of $200 or more assigned promotional financing earn no points. Points expire after 24 months; redemption starts at 1,000 points. Deferred-interest financing and merchant-coding rules apply.
Who can apply
Apply online; Synchrony may approve the standard CareCredit card instead of the Rewards Mastercard.
Credit profile: Issuer underwriting applies; no universal public score cutoff