CareCredit Rewards Mastercard®
Synchrony
Welcome Offer
Is the CareCredit Rewards Mastercard right for you?
The CareCredit Rewards Mastercard is a no-annual-fee cash-back card from Synchrony. Its strongest everyday earning is 2% on CareCredit provider network (purchases under $200), with 1% on most other purchases. With no fee, the question is simply whether 2% on CareCredit provider network (purchases under $200) beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on CareCredit provider network (purchases under $200), where it earns 2%
- ✓ Anyone who wants CareCredit provider network (purchases under $200) rewards without paying an annual fee
Who should skip it
- — Heavy spenders outside CareCredit provider network (purchases under $200) — everything else earns 1%
First-year value estimate
Year two, without the welcome bonus: about $150 before credits ($150 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in CareCredit provider network (purchases under $200) (2%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- No welcome bonus is listed in our record, so none is counted.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-27.
How it compares
Frequently asked questions
- Does the CareCredit Rewards Mastercard have an annual fee?
- No. Our record lists a $0 annual fee for the CareCredit Rewards Mastercard.
- What does the CareCredit Rewards Mastercard earn?
- 2% on CareCredit provider network (purchases under $200), 1% on CareCredit provider network (purchases $200+), and 1% on other purchases.
- Is the CareCredit Rewards Mastercard worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in CareCredit provider network (purchases under $200)), the first year comes out around $150 before credits, including a welcome bonus valued at $0. Year two drops to about $150 before credits.
- What credit do I need for the CareCredit Rewards Mastercard?
- Our record lists "Fair to Excellent" credit as the typical target for the CareCredit Rewards Mastercard. Synchrony makes the final decision based on its own criteria.
Earning Rates
Other Benefits
Other Benefits
Can be used anywhere Mastercard is accepted (unlike the store-only CareCredit card)
Same promotional financing options as CareCredit card at enrolled provider locations
Insurance
Sources
Last Updated: Apr 27, 2026