It depends on your preferences and whether your doctor accepts Discover cards. Note that Care Credit cards can only be used at a particular doctor and usually have higher interest rates. Discover credit cards can be used everywhere Discover is accepted plus you will be able to earn cashback bonus for every dollar spent. Discover cards do not have an annual fee and overlimit fees. Plus your APR won’t be increased if you are paying late. Intro APR on a Discover card can be as long as 14 months. Discover cards give more flexibility whereas Care Credit cards may come with longer 0% interest period. Which card to chose depends on your needs and your credit behaviour.