The content is accurate at the time of publication and is subject to change.
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, regular credit cards, they can be used everywhere and you can charge any purchase to such cards. Another big difference is that regular cards may come with a preset 0% introductory period, so to say. It means you can choose a card based on the introductory period you need. As for Care Credit, here introductory period will depend on the amount of credit you are approved for. This introductory period is your chance to pay off the card balance at 0% intro APR and once it ends, an ongoing APR will apply. If you are unable to pay off the card balance by the end of the introductory period, Care Credit will charge you the interest back to the date you first used your Care Credit card. Regular cards work differently, they do not charge retroactive interest, the ongoing APR will apply to the remaining balance. Other good features some regular cards have are rewards and no penalty fees or rates in case you are late with your monthly payments. When you make a late payment on a Care Credit card, you will be charged a penalty fee and your intro APR will vanish.
The Care Credit cards can be good for responsible people who manage their credit accounts properly. Regular credit cards are more flexible and can forgive you some mistakes. So, consider this when you make your decision.
