What is a care card?

The credit score you need for the CareCredit Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the CareCredit Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.... read full answer

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the CareCredit Credit Card credit score requirement. You can check your credit score for free on WalletHub.

You can use your CareCredit Credit Card in more than 225,000 healthcare providers in the U.S. You can also use your card to purchase pharmaceutical and health-related products at thousands of retailers and drugstore chains nationwide. This card is not backed by any major credit card network and only works at affiliated locations. To find the locations and providers near you that accept this card, go to the ... read full answerCareCredit website, click on the “Find a Location” tab, and enter your city or zip code.

Where You Can Use Your CareCredit Credit Card

• 225,000 healthcare providers in the U.S.
• Walgreens
• Walmart (health, wellness and personal care items)
• Rite Aid
• Sam’s Club (health, wellness and personal care items)

The CareCredit Credit Card helps individuals pay for healthcare expenses that aren’t covered by insurance. These cards differ from normal credit cards in terms of available financing options and how long you have to pay off the expenses. CareCredit Credit Card offers several financing options to cover costly medical expenses that may take longer to pay off than normal credit card purchases. For purchases of $200 or more, you can receive a 0% APR period of 6, 12, 18 or 24 months. But that's deferred interest; if you fail to make minimum monthly payments along the way, or you don’t pay off your full balance by the end of the 0% period, interest will be charged from the original purchase date.

The CareCredit Credit Card also has longer-term financing options with low fixed interest rates (rather than 0%) for purchases of $1,000 and up. Those have payoff periods of 24 or 60 months. The shorter the time period you choose, the lower your fixed interest rate will be. There are fixed monthly payments required until the amount has been paid in full.