Does Chase have a dental credit card?

One of the best credit cards for dental work is the Wells Fargo Reflect® Card because it has a $0 annual fee and offers an intro APR of 0% for up to 21 months from account opening on qualifying purchases. That gives you plenty of time to finance costly medical procedures like dental work.

You do need to have good credit in order to get it, though, and the regular APR is 17.49% - 29.49% Variable.... read full answer

Here are some of the best credit cards for dental work:

Intro APR: 0% for up to 21 months from account opening on purchases and balance transfers

Regular APR: 17.49% - 29.49% Variable

Balance Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)

Annual Fee: $0

Minimum Credit Required: Good

Intro APR: 0% for 21 months on purchases and balance transfers

Regular APR: 15.49% - 26.49% (V)

Balance Transfer Fee: 4% (min $5)

Rewards: 1% cash back on all purchases

Annual Fee: $0

Minimum Credit Required: Excellent

Intro APR: 0% for 18 billing cycles on purchases and 0% for 18 billing cycles for any balance transfers made in the first 60 days

Regular APR: 17.49% - 27.49% Variable

Balance Transfer Fee: 3%

Rewards: Initial bonus of $200 for spending $1,000 in the first 90 days along with 3% cash back in a category of your choice and 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly), plus unlimited 1% cash back on all other purchases

Annual Fee: $0

Minimum Credit Required: Excellent

Intro APR: 0% for 15 months on purchases and balance transfers

Regular APR: 15.49% - 18% (V)

Balance Transfer Fee: 2% (min $10)

Rewards: 4 points per $1 spent on Gas (up to $6,000 annual spend), Electric Vehicle Charging, Rideshare/Taxi/Limo, Groceries, Wholesale Clubs & Utilities (including streaming) and 1 point per $1 spent on all other purchases

Annual Fee: $0

Minimum Credit Required: Excellent

Intro APR: 0% for 15 months on balance transfers

Regular APR: 21.24% - 30.24% (V)

Balance Transfer Fee: 5% (min $5)

Rewards: Initial bonus of $100 along with 3% cash back on gas and drug store purchases, 2% on medical expenses and 1% on all other purchases

Annual Fee: $0

Minimum Credit Required: Good

Intro APR: Deferred APR of 0% - 17.9% for 6 - 60 months on purchases

Regular APR: 26.99%

Annual Fee: $0

Minimum Credit Required: Fair

Tips for Selecting the Right Credit Card for Dental Work

If you are simply looking to get the most bang from the bucks you spend on dental work, you could go for a solid cash back card. The Bank of America Customized Cash Rewards credit card is a good example.

Just keep in mind that if you pay for 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 would need a card with a big initial bonus to make it worth your while.

Alternatively, if you want a long financing period but your credit isn’t in 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 6 - 60 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.

You should always be wary of deferred interest financing. If you have fair credit, cards with deferred interest may offer you the longest 0% periods, but you could get stuck with a mountain of interest if you do not pay in full by the end of the intro period. So, it is safer to put your financing on a card with true 0% interest.

The credit score you need to get dental financing depends on where that financing comes from. If you use a personal loan, you’ll need a credit score of at least 585 (660+ for a loan with no origination fee). And financing dental work with a credit card requires a score of at least 640 in most cases – 700+, to get a 0% intro APR.... read full answer

However, even people with credit scores below 585 should be able to qualify for some form of dental financing. Individual dentists may offer their own payment plans that accept people with lower credit scores. Plus, secured personal loans typically offer good approval odds regardless of credit score.

Credit Score Needed for Dental Financing

Unsecured personal loan

Some major personal loan providers accept scores as low as 585. However, it usually takes a score of 660 or higher to get a loan without an origination fee, which can run from 1% to 8% of the loan amount.

Secured personal loan

People of any credit score should have a good chance of getting approved. Because secured personal loans require collateral, there is far less risk involved for the lender, so they can accept people with low credit scores.

Dentist’s payment plan

Plans will vary wildly from one dental care provider to another, so the best way to find their credit score requirement is to call dentists in your area and ask.

Credit card

The best credit cards for dental financing are ones with 0% introductory APRs, but they require good credit (score of 700+) or excellent credit (750+). There are also some credit cards specifically for medical financing that require fair credit (640+). Unsecured cards for bad credit usually aren’t an attractive choice, though, due to expensive rates and fees.

In conclusion, the credit score you need for dental financing depends on the source of that financing. In most cases, the answer will be 585 or higher. But some sources will not have a specific minimum credit score requirement.