One of the best credit cards for dental work is the Wells Fargo Platinum card. It gives you a 0% intro APR on purchases for 18 months (16.49% - 24.49% Variable regular APR). That’s a long time to finance costly medical procedures like dental work. Plus, the card has a $0 annual fee. You do need to have good credit in order to get it, though.
If you want a long financing period but your credit isn’t in as great shape, you could go for the CareCredit Credit Card. You only need fair credit to get it. And it’s designed to give you promotional financing on most types of medical procedures. That includes all kinds of dental work from regular checkups and fillings to root canals and braces. You can have 0% deferred interest for up to 24 months on some procedures. But deferred interest is only good if you’re able to pay off your balance in full within the 0% timeframe. Otherwise, you’ll owe interest as if a 26.99% APR had been in effect the whole time. Deferred interest is a bit deceptive; it makes you feel like you don’t owe interest when you really will if you don’t pay by a certain date.
If you’re simply looking to get the most bang from the bucks you spend on dental work, you could go for a solid cash back card like Citi Double Cash Card. Just keep in mind that if you pay for a dental work with a credit card there may be a surcharge, which could cancel out the value of any rewards you get. In that case, you’d need a card with a big initial bonus to make it worth your while.
Here are some of the best credit cards for dental work:
Wells Fargo Platinum card: No rewards. 0% intro APR on purchases for 18 months. 0% intro APR for 18 months on qualifying balance transfers. 3% intro for 120 days, then up to 5% (min $5) balance transfer fee. 16.49% - 24.49% Variable regular APR. $0 annual fee. Good credit required.
Citi Simplicity® Card: No rewards. 0% intro APR on purchases for 18 months. 0% intro APR on balance transfers for 18 months. 3% (min $5) balance transfer fee. No late fees and no penalty APR. 14.74% - 24.74% (V) regular APR. $0 annual fee. Good credit required.
Citi Double Cash Card: 2% cash back back on every purchase (half of it when you buy and the rest when you pay it off). 0% intro APR on balance transfers for 18 months. 3% (min $5) balance transfer fee. 13.99% - 23.99% (V) regular APR. $0 annual fee. Good credit required.
Capital One Venture Rewards Credit Card: 60,000 miles for spending $3,000 in the first 3 months. Expensive dental work could easily help you earn a free vacation, and thinking about that could make the procedure more bearable. 2 miles per $1 spent on purchases. $95 annual fee. Good credit required.
CareCredit Credit Card: No rewards. 0% APR (deferred interest) on purchases of $200+ for 6, 12, 18 or 24 months (depending on the type of purchase and location). 26.99% regular APR. Annual fee: None. Faircredit required. You can only use this card for medical expenses.
You should always be wary of deferred interest financing. If you have fair credit, cards with deferred interest will offer you the longest 0% periods, but you could get stuck with a mountain of interest if you don’t pay in full by the end of the intro period. So, it’s safer to put your financing on a card with true 0% interest. If you’re looking for rewards instead, a card with a big initial bonus is probably the way to go as you’ll be able to quickly meet the spending requirement.