Purchase APR
33.49–33.74%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $1,008.60
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34
CareCredit Mastercard
Top-25 issuerNationalFixed rateCredit score 620–719Credit score 720+
Purchase APR
32.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
3%
Grace period
23 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered32.99%
Median32.99%
Highest offered32.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered32.99%
Median32.99%
Highest offered32.99%
Every fee on this card
Annual feeNone
Balance transfer fee5% (min $5)
Cash advance fee4% (min $10)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$2
Balance computationAverage daily balance including new purchases
Additional fees
Debt Cancellation$1.66
Returned Payment Fee$30
Paper Statement Fee$1.99
Rewards, benefits and features
Rewards
- Other rewards
Services
- Access to Free Credit Scores
- Debt cancellation coverage
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Points
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-866-748-1585
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 32.99%$989.70
Annual / periodic fees$0
Total yearly cost$989.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
212 documents filed by Synchrony Financial in the 2026 Q1 archive.
- ABT Credit Card Account Agreement and Pricing Addendum53 KB
- Adairs Credit Card Account Agreement and Pricing Addendum53 KB
- Adorama Credit Card Account Agreement and Pricing Addendum53 KB
- Amazon_Secured_Card_and_Prime_Secured_Card_Account_Agreement_and_Pricing_Addendum_FINAL70 KB
- Amazon.com_Store_Card_Account_Agreement_and_Pricing_Addendum_FINAL58 KB
- America's Tire Credit Card Agreement and Pricing Addendum53 KB
More from this issuer
Purchase APR
20.49–28.49%
Annual fee
$99
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $833.70 incl. $99 fee
Purchase APR
29.64%
Annual fee
None
Foreign fee
3%
0% purchases · 6 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $889.20
Purchase APR
20.39–28.64%
Annual fee
$89
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $824.60 incl. $89 fee