CareCredit credit cards are accepted by more than 200,000 healthcare providers in the U.S. as well as at 8,000 Walgreens locations nationwide. CareCredit cards can be used for medical procedures ranging from LASIK and vision care to dentistry, veterinary care, hearing care and more. To find the locations and providers near you who accept CareCredit cards, go to the CareCredit website, click on the “Find a Location” tab, and enter your city or zip code. All of the available locations will pop up, and you can select the type of specialist you’re looking for.
CareCredit cards work by helping individuals pay for healthcare expenses that aren’t covered by insurance. CareCredit cards differ from normal credit cards in terms of available financing options and how long you have to pay off the expenses. CareCredit 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 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.
CareCredit cards also have 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, 36, 48 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.