Credit Cards to Pay for Dental Work

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

BEST WAY TO PAY FOR YOUR DENTAL EXPENSES - 0% Credit Card

0% intro APR

No Annual Fee

Use at Any Doctor and Anywhere

Intro APR Period on Purchases
Annual Fee
Use at Any Doctor
Use for Purchases
Reason to Choose
Ongoing APR
Intro APR Period on Purchases
0% intro on purchases for 12 months
Annual Fee
$0
Use at Any Doctor
Yes
Use for Purchases
Yes
Reason to Choose
Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
Ongoing APR
13.49% - 23.49% (Variable)
Intro APR Period on Purchases
0%* 18 months on Purchases*
Annual Fee
$0*
Use at Any Doctor
Yes
Use for Purchases
Yes
Reason to Choose
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
Ongoing APR
15.74% - 25.74%* (Variable)
Intro APR Period on Purchases
0% (14 months)
Annual Fee
$0
Use at Any Doctor
Yes
Use for Purchases
Yes
Reason to Choose
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
Ongoing APR
13.49% - 24.49% Variable
Intro APR Period on Purchases
0% (14 months)
Annual Fee
$0
Use at Any Doctor
Yes
Use for Purchases
Yes
Reason to Choose
We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
Ongoing APR
13.49% - 24.49% Variable
Intro APR Period on Purchases
0% intro on purchases for 15 months
Annual Fee
$0
Use at Any Doctor
Yes
Use for Purchases
Yes
Reason to Choose
Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Ongoing APR
15.99% - 24.74% (Variable)
Intro APR Period on Purchases
0% (14 months)
Annual Fee
$0
Use at Any Doctor
Yes
Use for Purchases
Yes
Reason to Choose
INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
Ongoing APR
13.49% - 24.49% Variable
Intro APR Period on Purchases
0% 15 months on Purchases*
Annual Fee
$0*
Use at Any Doctor
Yes
Use for Purchases
Yes
Reason to Choose
Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.24% - 25.24% based upon your creditworthiness*
Ongoing APR
15.24% - 25.24%* (Variable)
Intro APR Period on Purchases
0% intro on purchases for 15 months
Annual Fee
$0
Use at Any Doctor
Yes
Use for Purchases
Yes
Reason to Choose
One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Ongoing APR
14.49% - 24.49% (Variable)
These Credit Card Offers are for People with Excellent or Good Credit History.

See Offers for Bad/No Credit History

See Offers for Fair Credit History

WHY DO WE NOT RECOMMEND DENTAL CREDIT CARDS?

A dental credit card or a medical credit card may look like a good option when you need to finance dental work that you can't afford or that is not covered by your dental insurance. But is it really a smart decision for you to apply for such a card? Below you will find potential dangers of using a dental credit card.

Deferred Interest

Dental credit cards may offer various promo zero financing options, but these promos do not give actual 0% interest. In most cases the interest is deferred, like it is on a CareCredit card, which means you will pay the accrued interest from the purchase date if you fail to pay off the card balance by the end of the specified promotional period. Since you'll be required to make only minimum monthly payments that do not pay off the entire balance within any promo period, it can be pretty easy to waste the promo offer. You should make sure your monthly payments are enough to pay off the card balance by the end of the 0% interest period.

High Purchase Interest Rate

While an average credit card will have an interest rate around 16.5% APR (which basically depends on your credit score), the interest rate of a dental credit card can be much higher, regardless of your credit score. If you look at CareCredit cards, their purchase APR is 26.99%, and if you do not pay off the entire card balance by the time the special 0% APR ends, the accrued interest will total up a considerable amount.

Low Credit Limit

Dental credit cards are available to people with any credit history and have rather high approval rate. However, if your credit is bad, you will not qualify for high credit limit. Most likely it will be quite enough to cover your dental expenses. This means that you will use almost all available credit on your dental card which will be immediately reflected on your credit score - your score will drop several points.

Limited Usage

When choosing a dental credit card to pay your bills, you should understand that it will be limited to dental expenses only and will be accepted at a limited number of providers. Thus, CareCredit cards are not accepted by all dentists, only at enrolled providers. Regular credit cards offer more flexibility as they are Visa or Mastercard branded credit cards, which guarantees acceptance across the U.S. and even abroad.

May Affect Your Credit

A dental credit card is a one more line of credit that will be reported to the credit bureaus. Therefore, the way you manage it will affect your credit history and credit score. Since many dental cards have exact limits you need, you are bound to use available credit in full which will cause your score drop. Of course, you can bring it back up over time by making consistent on-time payments with all your creditors, but if you fail, your credit may be ruined.

Medical Cards Examples

Where to use:
Only at Enrolled Providers

0% APR Period:
Special financing options starting from 6 months of no interest are available under certain conditions.

Where to use:
Only at Enrolled Providers

0% APR Period:
12-months or more interest-free options are available under certain conditions.

More 0% APR Credit Cards to Pay Your Bills

Intro APR on Purchases:
0% (14 months)

Ongoing APR on Purchases:
13.49% - 24.49% Variable

Annual Fee:
$0

Intro APR on Purchases:
0%* 18 months on Purchases*

Ongoing APR on Purchases:
15.74% - 25.74%* (Variable)

Annual Fee:
$0*

Intro APR on Purchases:
0% (14 months)

Ongoing APR on Purchases:
13.49% - 24.49% Variable

Annual Fee:
$0

FAQs ABOUT USING CREDIT CARDS FOR DENTAL EXPENSES

The Care Credit card can be used for different medical procedures at specific providers. So, it is important to make sure your dentist accepts Care Credit before you apply for it. As for other,...

Read more

CareCredit is a healthcare credit card that can only be used for medical needs at certain doctors or medical centers. They offer interest free promotional periods starting at six months. But once...

Read more

You can consider applying for the Citi Simplicity® Card. The card offers 18 months of 0% interest. Your credit limit will be determined by the credit card issuer based on your...

Read more

If you need a credit card, you can consider credit cards for people with fair credit. These cards have low fees and interest rates and some of them even have a rewards program. Your credit...

Read more
See All Faqs
Ask Your Question More Questions

Need to Pay Your Doctor But Have Limited Credit? No Problem!

Apply for Capital One® Platinum Credit Card - Credit-Land.com
Compare
APPLY NOW
Average, Fair, Limited Credit

Pay no annual fee

Get access to a higher credit line after making your first 5 monthly payments on time

Fraud coverage if your card is lost or stolen

CREDIT CARDS: PAY FOR DENTAL WORK AND BEYOND

Apart from dental credit cards, regular credit cards are one of the most convenient ways to pay for dental expenses. Choose a credit card that comes with no annual fee, with a rewards program and with a 0% intro APR. Such a card can help you cover dental and other health care related expenses and can score free flights or cash back. People with bad credit may also find a suitable credit card to pay for dental and other medical treatment. Here're some medical services for which you can also pay with a regular credit card.

Vision Care

Vision Care

If you've always dreamt about perfect vision but haven't had money to correct it, a credit card with 0% intro APR may help your dream come true. Of course, there are other ways to pay for vision care, like vision care loan, but they either do not offer 0% introductory period or the 0% introductory rate is deferred, which means you will have to pay interest back to the first day of your purchase if you miss a payment. Often times, a simple credit card with zero interest and a rewards program, turns out to be a better option when there is a need to pay for vision care. Plus, you can keep using your regular credit card for everyday purchases after the treatment is paid off.

Cosmetic Surgery

Cosmetic Surgery

Plastic surgery can totally change your life, but it requires big money. Not everyone has enough cash to pay for a cosmetic procedure they need. Therefore, many people look for financing options, which vary from doctor payment loans to credit cards. Medical credit cards, like CareCredit, may attract you with 0 percent promotions or reasonable interest rates. However, those zero rates are often retroactive, meaning the interest will be charged for the full period if you are late or miss a payment. Using a regular credit card for a cosmetic surgery is usually more affordable way to pay as it may have 0% intro APR, rewards, and low-to-no fees.

Veterinary

Veterinary

Medical treatment for your pet may cost you a fortune with all those routine checks and can even eat your budget leaving you flat broke when your pet needs to undergo a surgery. But today you can find a medical loan or a credit card with low interest that can help you stay aloft. You can consider veterinary care financing options offered by your vet when your cat or dog needs a treatment. Or you can simply apply for a regular credit card to pay for vet bills. Either option you choose, make sure the rates are reasonable, payment plan is affordable, and you've read the fine print.

Other Medical Procedures

Other Medical Procedures

You can pay all your medical bills with a general credit card, provided a credit card is accepted as a method of payment. Whether you need a surgery, hearing aid, or simply need to buy meds, you can put all those expenses on to a 0% intro APR credit card. By doing so, you will have some time to pay off the balances without accruing debt. Another advantage of a regular credit card is that it may reward you with cash back or points. That means you will save on all credit card purchases. You are not tied to a particular doctor when you use a bank credit card to pay your bills. That means you can shop around to find the cheapest medical procedure and therefore save even more.

See More 0% APR Credit Cards
You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!