CareCredit Rewards™ Mastercard®
MastercardIssued by Synchrony Bank
Earn 4x points on small health & wellness and pet store purchases, 3x on groceries & dining, and 2x on all other Mastercard purchases.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
32.99% – 32.99%
Rate based on standard variable rate based on prime.
SIGN-UP BONUS
50
New cardholders can earn a $50 or $100 statement credit for opening and using their card between Feb 16 – May 16, 2026.
TOP POINTS
4x points
Earn 4 points per $1 on purchases under $200 at CareCredit network providers and select retail locations.
Key Benefits
- Earn rewards points on everyday spending through 12/31/2026
- Promotional financing available on purchases of $200 or more at CareCredit network locations
- Accepted everywhere Mastercard is accepted (unlike the standard CareCredit card)
- No annual fee
- Prequalify without affecting your credit score
Important Limitations
- Carrying a long-term balance without a promotional offer due to 32.99% APR
- Purchases where you can't pay the full promotional balance within the set period (deferred interest)
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| In-Network Small Purchases | 4x points | Unlimited (no annual cap) | • CareCredit Network |
| Pet Stores | 4x points | Unlimited (no annual cap) | Earn 4 points per $1 at pet stores outside the CareCredit network. |
| Restaurants | 3x points | Unlimited (no annual cap) | Earn 3 points per $1 at restaurants. |
| Groceries | 3x points | Unlimited (no annual cap) | Earn 3 points per $1 at grocery stores. |
| All | 2x points | Unlimited (no annual cap) | Earn 2 points per $1 on all other purchases everywhere Mastercard is accepted. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
32.99% – 32.99%
CASH ADVANCE APR
32.99% – 32.99%
FOREIGN TRANSACTION FEE
3%
LATE PAYMENT FEE
$41
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Zero Fraud Liability
- ✓Protects against fraudulent purchases in-store, online, or at the ATM.
Mastercard ID Theft Protection™
- ✓Scours the internet to see if your personal information is being sold and provides 24/7 assistance to clear your name.
- ✓Registration required
Security Features
- ✓Zero Fraud Liability – You are not responsible for unauthorized purchases in-store, by phone, or online.
Best Use Cases
IDEAL FOR
- Financing healthcare, dental, or veterinary expenses with promotional terms
- Earning points on health, wellness, and pet store purchases
- People who need a health-focused card that can also be used for everyday spending
NOT RECOMMENDED FOR
- Carrying a long-term balance without a promotional offer due to 32.99% APR
- Purchases where you can't pay the full promotional balance within the set period (deferred interest)
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $300.00 to unlock $50.00 bonus
- Effective 17% return on first $300.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Points
- 4x points on In-Network Small Purchases
- 4x points on Pet Stores
- 3x points on Restaurants
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-866-226-5630
Terms subject to change · View full terms
Last updated: Feb 25, 2026
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