Synchrony Care Credit Card Benefits and Features Explained

The Synchrony Care Credit Card is designed to help you cover medical expenses, and one of the key benefits is the ability to earn rewards on purchases. You can earn 3% cash back on eligible purchases, including medical expenses, travel, and other everyday purchases.

The card also comes with a flexible rewards redemption process. You can redeem your rewards as a statement credit, check, or even donate them to charity.

One of the most significant advantages of this card is the ability to earn rewards on medical expenses, which can be a huge help if you have ongoing medical bills.

For another approach, see: Do Credit Cards Help Your Credit Score

A credit card is a type of loan that allows you to borrow money from the lender to make purchases or pay for services.

The Synchrony CareCredit card has a variable APR of 24.99% to 26.99% based on your creditworthiness.

You'll need to make at least the minimum payment on time each month to avoid late fees and damage to your credit score.

The Synchrony CareCredit card has a minimum payment of 2.25% of the outstanding balance or $25, whichever is greater.

Credit card issuers like Synchrony often offer rewards and benefits to cardholders, but these may come with conditions or limitations.

The Synchrony CareCredit card offers a 6-month promotional period with 0% APR on purchases, but this offer may not be available for all cardholders.

Explore further: Is Carecredit Worth It

Managing your Synchrony Care Credit Card is a bit like taking care of your finances - it's all about balance and responsibility. Make timely payments to avoid late fees, which can range from $25 to $38.

To stay on top of your payments, set up automatic payments through the Synchrony website or mobile app. This way, you'll never miss a payment and can avoid those pesky late fees.

The Synchrony Care Credit Card offers a 25-day grace period, giving you plenty of time to pay your balance in full before interest is charged. Take advantage of this by paying your balance in full each month.

Curious to learn more? Check out: Balance Transfer Cards Fair Credit

If you're struggling to make payments, consider reaching out to Synchrony's customer service team for assistance. They may be able to work out a payment plan with you.

By following these simple tips, you can keep your Synchrony Care Credit Card in good standing and enjoy the benefits of responsible credit card ownership.

The APR on the CareCredit credit card is 32.99% for new accounts, as of 5/30/24.

You'll need to check your credit card agreement if you're an existing cardholder, as the terms will vary. The minimum interest charge is $2.

Our No Interest if Paid in Full Within promotional financing options let you pay for qualifying purchases of $200 or more with monthly payments, with interest accruing during the promotional period but not being charged if you pay your balance in full by the end of the promotional period.

With these options, you'll need to make minimum monthly payments.

Curious to learn more? Check out: Synchrony Bank Credit Card Interest Rate

If you're making a larger purchase, you might be eligible for our Reduced APR special financing options. These options let you make required fixed monthly payments until paid in full with a reduced interest rate.

For purchases of $1,000 or more, you might qualify for a 24-month offer with a 17.90% APR, a 36-month offer with an 18.90% APR, or a 48-month offer with a 19.90% APR.

For even bigger purchases of $2,500 or more, you might be eligible for a 60-month offer with a 20.90% APR.

Synchrony Care Credit Card offers a range of security features to protect your account and personal information.

The card is equipped with chip technology, which adds an extra layer of security to your transactions. This technology makes it more difficult for hackers to access your account information.

In addition, Synchrony Care Credit Card has a zero-liability policy, which means you won't be held responsible for any unauthorized charges.

Having a CareCredit certification is a big deal for Providers. It means they're committed to giving their patients clear and easy-to-understand explanations of financing options.

This certification helps ensure that patients are well-informed about managing out-of-pocket costs. CareCredit Certification is renewed every two years to keep the information current.

As a result, patients can make informed decisions about their care. This certification acknowledges the Provider's dedication to providing consistent and accurate information.

If you've reported fraudulent charges on your account, a claim will be opened and your account will be assigned an investigator. They'll review the documents you provide, which may include a Fraud Investigation Form that you'll need to return to Synchrony via mail or fax.

You'll receive a temporary credit on your account, pending the outcome of the investigation. However, you're still responsible for payment on any non-fraudulent transactions made by you or an authorized user on the account.

A Fraud Investigation Form may be required, and you'll receive it within 2 weeks of notifying Synchrony of fraud charges on your account. It's essential to return the form promptly, as failure to do so may affect your claim.

The entire fraud investigation process can take up to 90 days to complete, so be patient and allow the investigator time to gather all the necessary documents.

To see if you prequalify for a CareCredit credit card, use this link to get a decision within seconds.

You can prequalify online without any impact to your credit score.

Start the prequalification process by clicking “Check Now” to enter all requested information.

If you receive an offer, you must apply during the same browser session to secure the credit.

You may be required to provide your annual net income if CareCredit doesn't have your recent information on file.

Your income will be used as a factor to determine eligibility for a credit line increase.

If you prequalify, you can apply for the CareCredit credit card or the CareCredit Rewards Mastercard.

If you apply and receive an offer, there will be a hard inquiry on your credit report which may impact your credit score.

You can check if you prequalify for a CareCredit credit card by using the provided link, and get a decision within seconds.

To apply, you can prequalify and then apply right away, with confidence.

You'll be considered first for the CareCredit Rewards Mastercard, and then for the CareCredit credit card, based on credit requirements set by Synchrony Bank.

The APR for new accounts is 32.99%, and existing cardholders should check their credit card agreement for applicable terms.

You can also take advantage of No interest if Paid in Full Within 6, 12, 18 and 24 month promotional financing options, or Reduced APR special financing options of 24, 36, 48, and 60 months for larger purchase amounts.

For more insights, see: Prepaid Credit Card No Credit Check

Adding an authorized user to your credit card can be a convenient way to share the benefits with someone you trust. You can add an authorized user to your CareCredit credit card by logging into your account and clicking on Services > Authorized Users.

Explore further: Do Authorized Users on Credit Cards Build Credit

To initiate the process, you'll need to access your account online or give a call to the Customer Care Center at (866) 893-7864. The primary Cardholder is responsible for all purchases made on the account, including those made by an authorized user.

Remember, as the primary Cardholder, you'll be liable for all purchases made on the account, so make sure you're comfortable with the added responsibility.

On a similar theme: Does Secured Credit Card Primary Card

If you're considering applying for a CareCredit credit card, you should know that you won't have the option to choose between the CareCredit credit card and the CareCredit Rewards Mastercard. Your application will be considered first for the CareCredit Rewards Mastercard.

The CareCredit Rewards Mastercard is issued by Synchrony Bank, which also sets the credit requirements for both cards. This means that the same credit criteria will apply to both options.

You can expect to get a decision on your application based on the credit requirements set by Synchrony Bank.

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If you're facing a special credit card situation, Synchrony Care Credit Card has got you covered. The card offers a credit limit increase option, which can be requested online or by phone.

You can also use the card for medical expenses, including copays, prescriptions, and even travel expenses related to medical care. The card's credit limit increase option can be a lifesaver in emergency situations.

To request a credit limit increase, you'll need to have a good payment history and meet the card's eligibility requirements.

If you apply with a co-signer, they'll also receive a CareCredit card and be jointly responsible for all charges to the account, including those of any authorized user.

You can use the CareCredit health and wellness credit card for a portion of your balance up to your available credit line, giving you flexibility in how you manage your expenses.

The joint applicant will have a CareCredit card just like you, and you'll both be on the hook for paying off the balance together.

With No Interest if Paid in Full promotional financing options, no interest will be charged on your promotional balance if you pay your balance in full by the end of the promotional period, but interest will be charged if you don't.

You can make multiple purchases up to your available credit limit for services or products to be delivered within 30 days, giving you the freedom to make multiple purchases at once.

A different take: Does Having Multiple Credit Cards Hurt Your Credit

If you need to notify Synchrony Bank of a cardholder's passing, you can submit a deceased notification form online.

You can also contact Synchrony directly at 1-866-834-3205 to alert them of your concern.

A member of their team will assist you in gathering the necessary information to open a claim.

Synchrony may reach back out to the Representative of the cardholder if there are additional questions after updating the account record.