Credit Cards to Pay Doctors 2018

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Best Way to Pay for Your Medical 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% (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
12.24% - 24.24% 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
12.24% - 24.24% Variable
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
13.24% - 23.24% (Variable)
Intro APR Period on Purchases
0%* intro on purchases (12 months on Purchases*)
Annual Fee
$0*
Use at Any Doctor
Yes
Use for Purchases
Yes
Reason to Choose
0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.24% - 24.24%, based on your creditworthiness*
Ongoing APR
14.24% - 24.24%* (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
12.24% - 24.24% Variable
Intro APR Period on Purchases
0% intro on purchases for 9 months
Annual Fee
$0
Use at Any Doctor
Yes
Use for Purchases
Yes
Reason to Choose
Earn unlimited 1.5% cash back on every purchase, every day
Ongoing APR
14.24% - 24.24% (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 MEDICAL CREDIT CARDS?

A medical credit card may look like a good offer when you need health care services you can't afford or that are not covered by your 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 medical credit card.

Deferred Interest

Medical 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 will have an option make only minimum monthly payments that do not pay off the entire balance within any promo period, it will be 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, the interest rate of a medical credit card can be much higher. 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 0% APR ends, the accrued interest will total up a considerable amount.

Limited Usage

When choosing a medical credit card to pay your bills, you should understand that it will be limited to medical expenses only and often accepted at a limited number of providers. Thus, CareCredit cards are not accepted everywhere, 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 medical credit card is 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 most medical cards have exact limits you need, you are bound to use available credit in full which will cause the 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 can 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. See terms.

Where to use:
Only at Enrolled Providers

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

More 0% APR Credit Cards to Pay Your Bills

Intro APR on Purchases:
0% (14 months)

Ongoing APR on Purchases:
12.24% - 24.24% Variable

Annual Fee:
$0

Intro APR on Purchases:
0% intro on purchases for 12 months

Ongoing APR on Purchases:
13.24% - 23.24% (Variable)

Annual Fee:
$0

Intro APR on Purchases:
0% (14 months)

Ongoing APR on Purchases:
12.24% - 24.24% Variable

Annual Fee:
$0

FAQS ABOUT USING CREDIT CARDS FOR MEDICAL EXPENSES

It is very important to investigate all pros and cons of the card before applying, especially when we are talking about such a specific card like CareCredit. Here we tried to gather all the...

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Yes. You can always use a regular credit card to pay for an expensive medical treatment. Look for credit cards that come with 0% intro APRs first place. The cards with zero interest may also offer...

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Once the 0% intro APR is over, the ongoing APR will apply. You may want to pay off the entire cost of the procedure before the introductory period ends. If you use a medical credit card, it may...

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A regular credit card with 0% promo interest on purchases will be a good option for you. Also, we would recommend you look for no annual fee credit cards to reduce your expenses. For example, you...

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

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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

USING CREDIT CARDS TO PAY FOR MEDICAL EXPENSES

Apart from medical credit cards, regular credit cards are one of the most convenient ways to pay for medical 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 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 medical treatment.

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.

Dental Care

Dental Care

Dental financing is always welcomed as dental services are not cheap and dental treatment is often an unexpected affair. It may become a real challenge to find a good dental credit card. There are various dental financing offers from small personal loans for dental care to medical credit cards. However, a regular credit card with a low or zero introductory rate may become the best option. Unlike dental cards, regular credit cards can offer 0% intro APR for a number of months. You can choose the card with the introductory period that suits your needs best. As for the dental cards, your introductory period will depend on the amount you borrow, or you may not be offered special 0% financing at all.

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 medical 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 and you've read the fine print.

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