Are there any medical credit cards for bad credit?

No, there aren’t any medical credit cards for bad credit on the market at the moment. There are a few options for people with fair credit. However, if you have a credit score lower than 600, it will be pretty hard to get approved for a medical credit card.

There are other options that might be suitable for you, though. For instance, the CareCredit Credit Card accepts co-signed applications. So, if you don’t qualify on your own, you can apply with a co-signer to share the risk.

What to Know About Medical Credit Cards

• Minimum credit score requirement. There are a few medical credit card options for people with fair credit. For instance, both CareCredit Credit Card and Upgrade Triple Cash Rewards Visa® have a minimum credit score requirement of 640. However, most medical credit cards require good credit or better for approval.
• Deferred interest. Medical credit cards usually offer financing offers to pay down your medical bills. So, you will not pay any interest as long as your entire balance is paid off before the intro period ends. However, issuers usually offer deferred interest rates for this type of cards. Therefore, if you fail to pay it off or you miss a payment, a high regular interest rate will be applied to the entire original balance.
• Medical programs. Although these programs are not classified as credit cards, they usually offer the opportunity to get approved regardless of your credit score. For instance, both AccessOne MedCard and iCare Financial offer instant approval with no credit check.
• Other options. Most credit cards offer the possibility of becoming an authorized user on someone else’s account. So, if you can’t get approved for a medical credit card on your own, you should consider this option as well.

Alternatively, you can apply for a secured credit card. Secured cards require security deposits, but they have the highest approval odds of all credit cards, including people with bad credit. In addition, you will be able to build your credit and you’ll eventually be eligible for a medical credit card.

I would get a secured card with rewards (like Discover/US Bank) if you can afford the procedure without financing. If you need to borrow, try the OneMain Brightway card.

You don’t need a special card. Just get a credit card with low fees and either good rewards or the lowest possible APR!

CareCredit (by Synchrony) is the most common option, but approval can be tough with poor credit. See if you can pre-qualify (no risk), but you might have better luck with a secured card like Discover it® Secured - it's not medical-specific, but it offers cashback and helps rebuild credit.