You can go to CareCredit website to apply. Or you can consider applying for a regular credit card instead of CareCredit. Regular cards may come with 0% intro APR on purchases where introductory period does not depend on the amount you borrow. Also, if for some reason you are late with a payment, many issuers of regular cards won’t charge you a penalty fee or raise your interest rate whereas CareCredit doesn’t forgive a single late payment. Also, if you won’t be able to pay off your card balance during 0% introductory period, your regular APR will apply to the remaining balance only. CareCredit charges retroactive interest.