carecredit.com or via the CareCredit Mobile App.
CareCredit (a Synchrony solution) is America’s leading dedicated healthcare credit card accepted by over 260,000 enrolled provider locations nationwide, covering dental procedures, LASIK vision correction, cosmetic surgery, hearing aids, veterinary pet care, chiropractic treatments, and pharmacy wellness expenses.
Whether you need to log in to your CareCredit cardholder account, submit an immediate one-time guest payment via Pay As Guest, enroll in automatic monthly AutoPay, track promotional financing payoff schedules (6, 12, 18, or 24 months deferred interest on purchases of $200 or more), or contact cardholder care, this comprehensive guide covers every payment channel and cardholder contact.
CareCredit Card Payment Options Overview
Compare available payment options, fees, and posting speeds:
| Payment Channel | Convenience Fee | Posting Speed |
|---|---|---|
| CareCredit Portal & App (Bank ACH) | $0.00 (Free) | Same-Day Credit if made by 11:59 PM EST |
| CareCredit Pay As Guest (QuickPay) | $0.00 (Free) | Immediate Credit |
| AutoPay (Automatic Bank Draft) | $0.00 (Free) | On Monthly Payment Due Date |
| Automated Phone Banking (IVR) | $0.00 (Free) | Instant Confirmation |
How to Pay Your CareCredit Card Online (Step-by-Step)
Method 1: Pay via CareCredit Portal
- Navigate to: carecredit.com/login (or open CareCredit App).
- Enter your User Name and Password and click “Log In”.
- From your account summary dashboard, click “Make a Payment”.
- Select payment amount: Minimum Due, Promotional Payoff, or Custom Amount.
- Enter checking account routing number and bank account number.
- Confirm submission to receive an instant electronic confirmation receipt.
Method 2: Pay as Guest via Synchrony QuickPay
- Visit CareCredit QuickPay.
- Enter your CareCredit Account Number, ZIP Code, and the last 4 digits of your SSN.
- Enter checking account details and submit payment without password login.
Alternative Payment Channels
- CareCredit Mobile App: Pay doctors directly, track promotions, and view statements on iOS and Android.
- Pay by Phone: Call CareCredit automated telephone banking toll-free at 1-866-893-7864.
- Pay by Mail: Send payment check with statement coupon to:
CareCredit / Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061
CareCredit Customer Service Directory
- Cardholder Customer Support: 1-866-893-7864 (Mon–Sun 8:00 AM – 12:00 AM EST)
- Hearing Impaired (TTY): 711
- Official Healthcare Portal: carecredit.com
- Bank Issuer: Synchrony Bank, Stamford, CT
Frequently Asked Questions (FAQ)
How do I avoid interest charges on CareCredit promotional financing?
To avoid retroactive deferred interest charges calculated from the original transaction treatment date, pay the full promotional purchase balance before the promotional financing period ends (e.g. 6, 12, 18, or 24 months).
Can I use CareCredit for veterinary and pet care?
Yes. CareCredit is accepted at thousands of veterinary hospitals, pet emergency clinics, and veterinary specialty centers nationwide.
Related Healthcare & Financing Guides:
Disclaimer: BillPayment.guide is an independent consumer credit guide and is not affiliated with, endorsed by, or operated by CareCredit LLC or Synchrony Bank. All trademarks belong to Synchrony Bank.
Anisur Rahman brings over 17 years of experience at the intersection of complex technology and digital strategy to BillPayment.guide. Active in the digital space since 2009, Anisur uses his deep industry insights to break down financial technologies, secure online payment methods, and digital platforms. His actionable guides help readers navigate the fast-paced digital economy and manage their online transactions with confidence.
