CareCredit Application: How To Apply For CareCredit Credit Card

The CareCredit Application step is very simple and straightforward. If you have decided to apply for the CareCredit Credit Card then you have to read this article to learn how to apply for CareCredit Credit Card online, in person, or even by phone.

This page contains general information regarding the CareCredit Application. Additionally, it discusses the steps you need to take in order to apply and get the CareCredit Credit Card, including the requirement, the CareCredit Application options and every other necessary things you need to know about CareCredit card.

About The CareCredit Credit Card

The CareCredit Card issued by Synchrony, is a leading healthcare credit card offering promotional financing to consumers for health, medical, veterinary and personal care procedures, services and products.

For more than 30 years, the CareCredit credit card has helped millions of people by offering special financing options with convenient monthly payments. And, providers get paid in two business days.

CareCredit can be used to pay for treatment for you and your entire family’ at over 100,000 participating healthcare practices nationwide. CareCredit is accepted at more than 240,000 locations for a wide variety of health and wellness procedures, treatments, products and services including:

  • Dental
  • Veterinary
  • Vision
  • Cosmetic
  • Hearing
  • Primary Care
  • Medical Specialists
  • Dermatology
  • Surgery Centers
  • Pharmacy

And more With over 11 million cardholders, CareCredit helps consumers complete recommended treatment plans and reach their health and wellness goals. With CareCredit You Can:

  • Pay for co-payments, deductibles, and treatment not covered by insurance.
  • Start treatment immediately and pay over time with low minimum monthly payments.
  • Pay for other healthcare expenses for you and your family without having to reapply.
  • Reserve existing credit cards for household or unplanned expenses.

CareCredit Application Requirements

CareCredit requires that you are 18+ to apply online and 21+ to apply by phone. Additionally, you’ll want to have a credit score above 620 to increase your odds of approval. CareCredit is to be used for healthcare expenses. Applicants by phone must have written copy of the credit card agreement before proceeding, which can be printed from or you can obtain from your provider.

Credit Score Required For CareCredit Application

Care Credit reports that you’re “more likely to be approved” for their Care Credit card with a score of 623 or higher. There are user reports of being approved with a score as low as 600. Ensuring your balances are low and that you have less than six inquiries will help.

For the best approval odds with CareCredit, you’ll need a credit score of 620 or higher. However, some users report approval with scores around 600. If you’re score is lower than 600 you’ll have a hard time getting approval.

CareCredit Application: How To Apply For CareCredit Credit Card

CareCredit application is quick and easy. Simply choose the option you prefer below.

CareCredit Application: How To Apply For CareCredit Credit Card

1: Online: To apply for CareCredit credit card online kindly go to and select your healthcare category. After selecting your healthcare category, click on “Get Started” to be redirected to a page where you will have to enter your personal information to finish the CareCredit application.

2: By Phone: You can also apply over the phone, toll free, at (800) 677-0718. If you choose to call, you can use their automated system 24/7 or you can apply with a live agent between 9:00am-9:00pm Monday-Friday, Eastern Time. Applicants must be at least 21 years of age to apply by phone (must be 18 or older to apply). Applicants by phone must have written copy of the credit card agreement before proceeding, which can be printed from or you can obtain from your provider.

3: In Person: In addition, you can apply in person at more than 250,000 healthcare provider and select retail locations that accept CareCredit. They do not accept applications via fax or email.

Read Next: Synchrony Carecredit Login | How To Make A Payment

CareCredit Credit Card Frequently Asked Questions

1: Can I use my CareCredit card for other family members? Yes. You can use CareCredit for your entire family’s healthcare needs (even the family pet) without having to reapply.

2: Can I use my CareCredit card again? Yes. As long as you have credit available, you can use CareCredit multiple times for other treatments, and have different promotional plans on your account at the same time without having to reapply.

3: Will using CareCredit cause problems with my insurance? No. CareCredit is a revolving line of credit designed specifically to help you pay for healthcare expenses not covered by insurance and does not affect your insurance coverage in any way,

4: Can I begin treatment right away even if I haven’t received my CareCredit card? Yes. You can use your CareCredit account immediately. You will receive your card in the mail within 3 weeks.

5: Is the information I provide CareCredit confidential? Yes. Your privacy is important to them. They guarantee all personal information you provide will be kept strictly confidential.

6: How do I pay my monthly balance? You will receive a monthly statement. Simply pay your monthly balance by mail with a check or money order. Or you can pay online at

7: Who do I call if I have questions? They have Customer Support Representatives available to assist you with all your account needs at (866) 893-7864.

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