Our illustration, not the card’s design
Synchrony credit card
CareCredit Mastercard
No annual fee. Purchase APR 32.99%.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Receipt · Purchase APRChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Receipt · Credit askedChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $290 | $290 | |
| Typical spender | $710 | $710 | |
| Heavy spender | $1,500 | $1,500 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 4x Health and wellness purchases outside the Network; not counted: 4x Purchases at pet stores.
$290a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 4x Health and wellness purchases outside the Network; not counted: 4x Purchases at pet stores.
$710a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 4x Health and wellness purchases outside the Network; not counted: 4x Purchases at pet stores.
$1,500a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 4x Health and wellness purchases outside the Network; not counted: 4x Purchases at pet stores.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 100% of the 732 cards we track.
- No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$45 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee−$15 a year
- Business EssentialsUS Bank · No annual fee−$110 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
CareCredit Rewards Mastercard Rewards Program
How you earn
- 4×
- Purchases at provider locations in the CareCredit Network of less than $200Health and wellness purchases outside the NetworkPurchases at pet stores
- 3×
- Qualifying purchases made at grocery storesQualifying purchases made at restaurants
- 2×
- Everything else
Points per dollar.
Benefits
- Mastercard ID Theft Protection™.
- Zero Fraud Liability.
- Mastercard Global Service™, including assistance with lost or stolen cards, emergency card replacement or cash advance, ATM locations, and account questions.
- A contactless way to pay through supported digital wallets.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- What is the purchase APR?
- 32.99% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026