CareCredit Provider Center (2025)

CareCredit is different from a regular credit card.

Use it to pay for out-of-pocket expenses not covered by medical insurance, and special financing options are available that you may not be able to get with other cards.

Pay for health, and wellness care at over 260,000+ enrolled providers across the nation. Once you've applied, you can use it again and again at any location that accepts CareCredit.

With shorter term financing options of 6, 12, 18 or 24 months no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. If you do not, interest is charged from the original purchase date.*

*Subject to credit approval. Details and Terms

CareCredit also extends longer term healthcare financing for 24, 36, 48 or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full. Purchases of $1,000 or more may be eligible for a 24 months offer with a 17.90% APR, a 36 months offer with a 18.90% APR or a 48 months offer with a 19.90% APR. Purchases of $2,500 or more may be eligible for a 60 months offer with a 20.90% APR.**

For complete details, see the CareCredit account agreement within your application.

Ask your provider to find out which promotion is right for you. You do not need to select a promotion before you apply.

**Subject to credit approval. Details and Terms

Apply Now

Or apply by phone - 1-800-677-0718^†

Find out immediately by using our easy, automated system anytime.

Apply with a live agent Monday through Friday from 9AM- 9PM (ET).

Please read our Credit Card Account Agreement before you call.

All we need is your:

• Name
• Address
• Date of birth
• Social security number or ITIN
• Net income
• Housing Information

^† Must reside in the US and be 18+ to apply online or 21+ to apply by phone.

How are your payments calculated with CareCredit once you've made a purchase? Below are 2 illustrations showing common cardholder scenarios for making payments using each of the promotional financing options available.***

1

No Interest If Paid In Full Within 6, 12, 18 or 24 Months

On qualifying purchases of $200 or more made with the CareCredit credit card account at enrolled providers and select retailers in the CareCredit Network. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum Monthly Payments required. Required monthly payments may or may not pay off purchase before end of promotional period.

Example: Below are 3 Cardholder payment examples on a purchase of $1200 using the following promotion: "No Interest if Paid in Full Within 6 Months."

These examples are for illustrative purposes only and assume the Cardholder's APR (interest rate) is 29.99% and the amount financed is the only balance on the account. Your account's APR may be different.

3 Cardholder payment examples on a purchase of $1200 using the following promotion: "No Interest if Paid in Full Within 6 Months."

Cardholder Payment Examples	Month One	Month Two	Month Three	Month Four	Month Five	Month Six
A: Equal Monthly Payments Read More	$200	$200	$200	$200	$200	$200
Cardholder A makes a monthly payment equal to the total promotional purchase amount divided by six, paying off the full balance within the promotional period. Result: Cardholder pays $1,200 for the promotional purchase over 6 months. Outcome at end of promotional period Account Balance $0 No Interest Charged
B: Minimum Monthly Payment + Pay Off Read More	$39	$38	$37	$36	$35	$1015
Cardholder B makes the minimum monthly payment and pays the remaining promotional balance in month six, paying off the full balance within the promotional period. Result: Cardholder pays $1,200 for the promotional purchase over 6 months. Outcome at end of promotional period Account Balance $0 No Interest Charged
C: Minimum Monthly Payment Only Read More	$39	$38	$37	$36	$35	$33
Cardholder C makes only the minimum monthly payment, resulting in a balance at the end of month six plus accrued interest. After the promotion expires, if Cardholder continues to make only the minimum monthly payment until the balance is paid in full. Result: Cardholder pays $2,993.46 for the promotional purchase over 95 months. Outcome at end of promotional period Account Balance $1,220.92 = $1043.96 Promotional balance + $176.96 Accrued interest

**Based on Standard APR of 29.99%The examples shown are for illustrative purposes only and assume that the amount financed is the only balance on the account.

*Subject to credit approval. Details and Terms

2

Reduced APR and Fixed Monthly Payments Required Until Paid in Full

On qualifying purchases made with your CareCredit credit card account at enrolled provider locations:

• Purchases of $1,000 or more may be eligible for a 24 months offer with a 17.90% APR, a 36 months offer with a 18.90% APR or a 48 months offer with a 19.90% APR.
• Purchases of $2,500 or more may be eligible for a 60 months offer with a 20.90% APR.

Example: Below is a Cardholder payment example on a purchase of $2400 using the following promotion: "Reduced APR and Fixed Monthly Payments Required Until Paid In Full within 48 months.*"

Example shown is for accounts with only one promotion. Payment allocation may vary based on the number of promotions on the account.

Cardholder payment example on a purchase of $2400 using the following promotion: "Reduced APR and Fixed Monthly Payments Required Until Paid In Full within 48 months.*"

Payment	Month 1 Month 48	Outcome
$73	48 Months 48 Equal minimum monthly payments** Includes principal and interest at 19.9% **Read More	$3,500 Paid! Including Interest = $2400 principal + $1100 interest

*Subject to credit approval. Details and Terms

***Not all promotional financing options are available at all enrolled providers. Ask yours for details. Promotional financing options are not available at all retail locations that accept CareCredit and standard account terms will apply to such purchases.