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/wp-admin/post-new.php?post_type=card card

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Annual fee
None
Recommended credit
Excellent / Good
Card network
Mastercard
Regular purchase APR
29.99%
Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The CareCredit® Rewards™ Mastercard™ is an infinitely useful credit card specifically designed to make medical and healthcare costs more affordable with up to payment plans ranging from 6 to 60 months. There is no annual fee and cardholders can also earn 2X points on many types of wellness and health-related expenditures.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • 2X points on CareCredit Network purchases
  • 2X points on Health & Wellness
  • 2X points at grocery stores
  • 2X points at pet stores
  • 1X points on all other purchases
  • Redeem points for statement credit, gift cards, merchandise and more

Who this card may suit

  • You have health complications or upcoming (and costly) medical procedures in the near future
  • You're responsible for healthcare expenses of children and/or the whole family
  • You have a large family and need assistance paying for routine treatments such as braces or eye exams
  • You have an illness-prone or injured pet
  • You do not have a 2% cash back rewards card
  • You have limited access to health insurance
  • You enjoy very active, outdoor-based hobbies
  • You own multiple one or more gym memberships

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR29.99%
Cash Advance APR29.99%
Cash Advance Transaction FeeEither $10 or 4% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee3% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $41

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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Annual fee
None
Recommended credit
Fair / No Credit Required
Intro APR
0% for 6 months from date of account opening date