ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most 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.

0% intro APR cards to
pay your medical bill

Medical procedures are never cheap and little help is always welcome. Regular check-ups, as well as unexpected medical expenses, can be paid with a credit card. However, high interest rates may end up pushing you into debt. Therefore, it's wise to consider your options before you pay a hospital bill with a credit card. Look for credit cards that have a 0% intro APR to have time to pay off your medical bill before the interest starts accruing. Low interest credit cards may also come with rewards programs or no annual fees giving you an opportunity to save money on medical expenses. Below we took our partners' best 0% intro APR credit cards and compared them.

Show more

Compare popular credit cards to find the best

VIEWING 0-0 of 0

Compare travel credit cards to find the best

VIEWING 1 - 4 of 12

our choice

Rating 5.0
on Citi's secure website
Rating 5.0
on Discover's secure website
Rating 4.6
on Goldman Sachs' secure website
Rating 5.0
on Discover's secure website
Rating 5.0
on Capital One's secure website
Rating 5.0
on Citi's secure website
Rating 5.0
on Discover's secure website
Rating 4.9
on Citi's secure website
Rating 4.2
on Citi's secure website
RATES AND FEES
Credit Card Purpose
Can be used for any purpose
Can be used for any purpose
Can be used for any purpose
Can be used for any purpose
Can be used for any purpose
Can be used for any purpose
Can be used for any purpose
Can be used for any purpose
Can be used for any purpose
Usability
Accepted by any doctor
Accepted by any doctor
Accepted by any doctor
Accepted by any doctor
Accepted by any doctor
Accepted by any doctor
Accepted by any doctor
Accepted by any doctor
Accepted by any doctor
Intro APR on purchases
0% (15 months)
0% Intro APR (15 months)
0% (12 Months)*
0% Intro APR (15 months)
0% intro on purchases (for 15 months)
0% (15 months)
0% Intro APR (15 months)
0% (12 months)
0% (12 months)
Regular APR
17.24% - 27.24% (Variable)
15.74% - 26.74% Variable APR
18.74% to 28.74% variable purchase APR based on creditworthiness. Rates as of 12/1/2022*
15.74% - 26.74% Variable APR
17.99% - 27.99% (Variable)
17.74% - 27.74% (Variable)
15.74% - 26.74% Variable APR
16.74% - 27.49% (Variable)
17.74% - 28.49% (Variable)
Annual fee
$0
$0
None*
$0
$0
$0
$0
$0
$0
REWARDS
Rewards bonus
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Get 15,000 bonus points after you spend $1,000 in your first three months.*
UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
For a limited time earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months of account opening.
No
Rewards Earning
  • For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
  • Earn unlimited 7x total points with GM.*
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Earn unlimited 1.25X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
No rewards program
No rewards program

More about
top credit card TO PAY BILLS
2022

Citi Rewards+® Card apply
on Citi's secure website
Rating 5.0

GREAT BONUS OFFER

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

GOOD REWARDS

  • For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

Expert's opinion

If you are looking to get medical treatment along with earning everyday rewards, the no-annual-fee Citi Rewards+® Card seems like a reasonable option. With the card you will earn 2X ThankYou Points per $1 spent at supermarkets and gas stations for the first $6,000 per year and 1X Point per $1 spent thereafter. Plus, earn 1X ThankYou Points on all other purchases. The card's most unique feature is that it rounds up to the nearest 10 points on every purchase with no cap. And on top of all, a welcome bonus of 20,000 bonus points after spending $1,500 within 3 months of account opening, redeemable for $200 in gift cards, which can make it an interesting pick for new cardholders or for those who are planning to receive medical treatment.

Excellent, Good Credit

How you can pay
medical bills WITH A
CREDIT CARD

Reap Benefits from a Rewards Program
Low Interest or 0% APR Promo

When you want to use a credit card to pay your medical bills, your best choice is to apply for a 0% intro APR credit card. Just make sure you know all ins and outs of the promotional offer. With a regular credit card, you can look for a card with the most suitable 0% promotional period - 12, 15, or 18 months of 0% intro APR and have more time to pay off your medical bill. Make sure you always pay on time or you may lose your promotional rate. Also, be sure you can pay the card bill in full by the end of the zero promotional period. If you don't, any unpaid balance will begin to accrue interest. So factor that into your calculations.

If you used a high-interest credit card for medical expenses, you can apply for a balance transfer credit card. The best balance transfer credit cards give you a year or more to pay off the transferred balance at 0% promo APR. Moving your medical debt to a 0% balance transfer credit card can help you make medical bill payments more manageable, and you won't be overwhelmed by interest charges. The only drawback of transferring the medical debt is a balance transfer fee. However, it is often cheaper to pay the balance transfer fee than to pay high interest.

Show more
apply on Discover's secure website

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Make Use of a Sign-Up Bonus
Rewards & Perks

If you want to use a rewards credit card to pay your medical bill, make sure you won't get carried away or you may end up with a debt that may ruin your credit score. Remember, credit card interest will cost you far more than you'll earn in rewards. Therefore, you will need to use your rewards credit card strategically and plan in advance.

Unexpected medical expenses or a surprise medical bill can be put on a rewards credit card only if you are sure you will be able to pay them off quickly and preferably the same billing cycle. Otherwise, the interest that accrues will eat all earned rewards. However, if your rewards credit card also has a 0% intro APR, you may have more time to pay off the card balance without accruing interest and keep all your points or miles intact.

If you have a rewards credit card with a welcome bonus offer and you are sure you will be able to pay the balance in full, a medical bill might help you to spend the amount required to qualify for the bonus offer. Those bonus points can be used as a statement credit toward your credit card balance or you can keep accruing rewards for future travel.

Many rewards credit cards can also come with no annual fee in addition to a 0% intro APR offer and the rewards program. Such cards are always the best bet for paying medical expenses. Plus, you can keep using them for everyday purchases and enjoy all the perks the card has to offer.

Show more
apply on Discover's secure website

UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Take Advantage of a 0% Intro APR
Health-Related Cards

Medical credit cards may also look like an option for paying your hospital bills. Well, these are the most tricky cards and you should always read the fine print before you apply.

Many medical credit cards offer deferred interest plans based on the cost of your medical treatment. That means, first of all, that the period of no interest may not be as long as you expected, and, secondly, deferred interest is not completely 0% interest. If you are unable to pay off the card balance by the time the deferred interest period ends, the credit card issuer will charge the full interest back from the date of the first charge. And since medical credit cards come with high interest rates, you may end up owing much more than you anticipated.

While many medical cards do come with financing offers allowing you to avoid any additional interest, they rarely offer rewards. That means your potential savings might be lower than with a rewards credit card. Another drawback of health-related credit cards is that they can only be used for medical-related expenses. Plus, many of them are only accepted by specific providers and may cover only a limited range of medical expenses. So if you want to pay a vet bill with your medical credit card, you might not be able to do so.

Show more
apply on Capital One's secure website

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Updated: Dec 07, 2022

questions ABOUT
MEDICAL CREDIT CARDS

What are my options if I am unable to pay off the balance during introductory period?

If you see that you won't be able to pay off the card balance in full by the end of the zero introductory period and want to prolong your 0% APR for another year or two, we would suggest you do a simple...

Read more
Do I have to use credit cards at a specific doctor?

General credit cards can be used everywhere they are accepted. That means if a doctor accepts credit cards as a method of payment, you will be able to pay with your Visa or Mastercard credit card....

Read more
Can I pay for any medical procedure with a credit card?

You can pay for anything with your credit card if it is a general credit card and is accepted by your doctor, merchant or retailer. Thus, you can pay medical bills with a credit card. The best credit option is...

Read more
See all questions

NEED HELP TO CHOOSE A CARD?

Ask our Experts and get free advice to your email!

ASK QUESTION

comments ABOUT
MEDICAL CREDIT CARDS🜂

WHAT IS YOUR QUESTION?

Please enter your question and contact information so that we could send our answer to you by e-mail. Note: Please do not include personal information such as your SSN#, credit or debit account numbers.

EXTRA QUESTIONS TO DESCRIBE YOUR SITUATION IN MORE DETAILS:

* - required fields

By submitting your question, you agree to the following:*

Here at Credit-Land.com we will answer all questions to the best of our knowledge and understanding, but we are not legally accredited professionals. We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases. Please seek appropriate professional or legal advice when needed.

Questions submitted to Credit-Land.com may be posted to our website with your first name, and may be edited for length and clarity. Please do not submit your Social Security number, credit or debit card number, or bank account number to us - though we will never share your name or email with anyone, sensitive information should never be posted to an FAQ form. We are not a bank or a credit card issuer, and we do not have access to your account information.

Thank You, Your Question Has Been Successfully Sent!
YOU'VE SUCCESSFULLY SUBSCRIBED!
PLEASE SPECIFY THE FOLLOWING:
All these fields are optional
your credit history
Excellent (750-850)
Good (700-749)
Fair (640-699)
Bad (350-639)
No Credit History
OR ENTER YOUR EXACT CREDIT SCORE
THEMES YOU ARE INTERESTED IN:
Traveling with Credit Cards: how to Save and Earn Rewards
How to Take Advantage of Credit Card Rewards
Credit Cards for Building Credit
Business Credit Card Offers
How to Save with Balance Transfer Credit Cards
Special Credit Card Offers for Students
Credit Cards with Low Interest Rates
Benefits of Credit Cards with No Annual Fee
Best Credit Card Offers with 0% Intro APR
By providing this information you help us make our news letters more useful and informative. Thank you!