Close this search box.

Medical Credit Cards vs. General Cards with Rewards

We all have a desire to look and feel younger. But what if you find out that insurance doesn’t cover all or most of the medical procedure?

What If Insurance Doesn't Cover The Cost?

Often patients go to their dentist emotionally charged and make bad financial decisions. Many learn about dental credit cards at a dentist’s office because they trust their dentist and they believe they are getting a good offer. They choose CareCredit (the one you hear about most) with a 0% intro APR. Once the intro period is over, CareCredit charges all of the interest that was building from the date of their purchase if they didn’t pay their balance in full by the end of the 0% interest period. On top of that, the APR on CareCredit is monstrous.

You can save yourself a lot of headache and a potential bankruptcy if you take a look at regular credit cards instead. Because they are accepted everywhere, you can easily use them at your dental provider without first checking if they are enrolled. They normally have a much lower APR and annual fees. Many come with reward programs that can be very helpful.

Check Out Our Pick Of Best Cards

0% APR Credit Cards

Apply Quickly online by filling out a secure online application.
Annual Fees N/A
Credit Needed N/A

Frequently Asked Questions

Once the 0% intro APR is over, the ongoing APR will apply. You may want to pay off the entire cost of the procedure before the introductory period ends. If you use a medical credit card, it may have a retroactive interest, which means you will pay interest back to the first day of the transaction in case you are unable to pay off the card balance.

If you see that you won’t be able to pay off the card balance in full by the end of the zero introductory period and want to prolong your 0% APR for another year or two, we would suggest you to do a simple balance transfer by applying for another credit card offer with a 0% introductory rate.

General credit cards can be used everywhere they are accepted. Another situation with the medical credit cards, like Synchrony Care Credit – these cards can be used for medical procedures and for doctor visits at particular medical institutions and providers.

You can pay for anything with your credit card if it is a general credit card and is accepted by your doctor, merchant or a retailer. A medical credit card can be used to pay medical procedures, like surgeries or dental procedures, and it is accepted at particular doctors and providers.

Medical credit cards like Synchrony Bank Care Credit do not usually offer rewards programs. They are created to help you to finance your medical procedures. A regular credit card with a reward program will allow you to earn rewards on every dollar you spend. However, there are exceptions. For example, such transactions like cash advances and balance transfers do not earn rewards.

Many 0% APR offers that are offered by major banks, do not charge an annual fee. Some cards come with a waived for the first year annual fee. Medical credit cards may have an annual fee. So, make sure to check the terms and conditions of the card you are applying.

How Do Dental and Medical Credit Cards Work?


of American households use credit cards to pay for medical expenses

The cost of providing health care to a typical American family is $25,000


Medical expenses have gone up

50% SINCE 2003

purchase you put on a CareCredit card**

Using Credit Cards To Pay For Medical Expenses


Dental work prices may bite, and lots of people put off their essential needs because it's just too expensive to visit a doctor. Prevent all the problems you might face and keep yourself always smiling with our no annual fee credit cards.


Medical procedures may cost you a fortune and can eat your budget completely throwing you into the depths of debt. But today you can find a medical loan or a medical credit card with low interest that can help you stay aloft.

The Best Way To Pay For Your Dental Procedures Is  With A 0% APR Credit Card. - Apply Today!

0% APR Credit Cards

Apply Quickly online by filling out a secure online application.
Annual Fees N/A
Credit Needed N/A

*Editorial Note: Any opinions, analysis, reviews, or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. The credit card offers that appear on this site are from credit card issuers from which Advanced Personal Finance Credit Cards receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. Advanced Personal Finance Credit Cards does not include all credit card offers that might be available to consumers in the marketplace.

Privacy Policy & Terms of Use
Advanced Personal Finance Credit Cards does not store nor share private or public information about consumers. When applying for credit cards advertised on this site or any site belonging to one of our partners, consumers are redirected to a secure site operated by the company offering the product and no information is stored on Advanced Personal Finance Credit Cards.

Copyright © 2016-2018 APF Services • 19046 Bruce B. Downs Blvd, Suite 78 • Tampa, Florida 33647