CareCredit and Synchrony Bank
CareCredit is the healthcare financing brand; Synchrony Bank is the issuer named in the CareCredit credit card agreement and manages the credit account.
Read the guideTopic center
CareCredit Interest & Promotional Financing
Understand CareCredit deferred interest, current purchase APR, promotional deadlines and what “No Interest if Paid in Full” actually requires.
Start with the wording on your offer
“No Interest if Paid in Full” means interest can be assessed from the purchase date if the promotional purchase is not paid in full within the promotional period. Your statement, promotional disclosure and account agreement control your account.
Guides in this topic
CareCredit Interest Rate
See the current published CareCredit purchase APR, how daily interest is calculated, when promotional rates differ and why your own account terms control.
Read the guideHow CareCredit Deferred Interest Works
Learn how CareCredit deferred interest accrues, when it is waived or charged, which statement dates matter and why minimum payments may not clear the promotion.
Read the guideHow Multiple CareCredit Promotional Balances Work
Organize multiple CareCredit promotional balances by purchase, remaining balance and expiration date, then verify how each payment affected the account.
Read the guideHow to Find Your Promotional Balance and End Date
Find the remaining CareCredit promotional balance and expiration date on your statement, online account or mobile app without confusing other account totals.
Read the guideIs CareCredit Really Interest Free?
CareCredit can result in no interest on an eligible promotional purchase, but only when the exact paid-in-full conditions are satisfied before expiration.
Read the guideWhy Interest May Appear After a CareCredit Promotion Ends
Find out why interest may appear after a CareCredit promotion ends, which statement details to check and what records to gather before contacting the issuer.
Read the guideWhy Minimum Payments May Not Pay Off a CareCredit Promotion
Learn why the minimum payment can leave a CareCredit promotional balance at expiration and how to set a separate payoff planning target.
Read the guide