One of the best credit cards for dental work is Citi Simplicity. It gives you a 0% APR on purchases for 18 months. And it will never charge you late fees or a penalty APR, so it’s ideal for financing costly medical procedures like dental work. 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 from Synchrony Bank. 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. 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 the best credit cards for dental work:
Citi Simplicity: No rewards. 0% APR on purchases for 18 months. 0% APR on balance transfers for 18 months (5% fee). No late fees and no penalty APR. 15.49% - 25.49% (V) regular APR. No annual fee. Good credit required.
Citi Double Cash: 2% cash back on every purchase (1% when you buy and 1% when you pay it off). 0% APR on balance transfers for 18 months (3% fee). 14.99% - 24.99% (V) regular APR. No annual fee. Good credit required.
Capital One Venture: 50,000 mile bonus for spending $3,000 in the first 3 months, worth $500 in travel. 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 (10 at hotels.com/venture). $95 annual fee ($0 the first year). 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. No annual fee. Fair credit 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.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.