Revenue Cycle · #13 (tied) of 19

CareCredit

CareCredit is the best-known healthcare credit card, paying practices up front while patients use promotional no-interest or reduced-APR financing.

Editorial score
Healthcare credit card for patient financing, with promotional no-interest periods.
Category rank
#13 (tied) of 19 in Revenue Cycle
Confidence
Medium (60%)
Last reviewed
October 17, 2026

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Pricing

Merchant fees; contact vendor

Not published by the vendor. We only list prices vendors publish.

Works with

From CareCredit's own integration pages and docs, checked by our team. Integrated means two-way sync or write-back; listed partner means named without stated depth. Confirm your exact version with the vendor.

Our review

CareCredit is a healthcare credit card from Synchrony. Patients apply once and can reuse the card for dental, medical, vision, veterinary and other care. Practices are paid up front. Promotional options include no interest if paid in full within 6 to 24 months on qualifying purchases, and reduced-APR fixed monthly payment plans for larger purchases (for example 17.90% APR over 24 months on qualifying purchases of $1,000 or more).

CareCredit integrates with many practice software platforms and is accepted across a wide range of industries, so many patients already carry it.

Who it's for: practices of any size that want a widely recognized financing option patients may already have.

Watch-outs: "no interest if paid in full" promotions charge deferred interest if the balance isn't paid off in time, so explain this clearly to patients. Compare merchant fees with Cherry and Sunbit.

Our take: 7.5. The familiar default, with deferred-interest caveats.

Sources (2)

Reviewer notes

Expansion batch 2 draft 2026-10-17; vendor URL verified live. Not public until approved in /admin/editorial.

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