Getting into your CareCredit account online
To log into CareCredit, go to carecredit.com and click "Log In" in the top right corner. Enter the email address or account number associated with your card, then your password. If you have the CareCredit mobile app, you can also log in there using the same credentials.
CareCredit is a credit card issued by Synchrony Bank, designed specifically for healthcare and wellness purchases. Your login gives you access to your balance, payment history, available credit, and the ability to make payments online or through the app.
If you do not remember your password, click "Forgot Password?" on the login page. CareCredit will send a reset link to your email. If you do not recognize the email address on file, contact CareCredit customer service at 1-800-300-3046 to confirm your account details before resetting.
Key Takeaways
- Log in at carecredit.com or through the CareCredit mobile app using your email address or account number and password.
- If you forget your password, use the "Forgot Password?" link to reset it by email — you do not need to call.
- Once logged in, you can view your balance, make payments, check your credit limit, and see your transaction history.
- If you cannot remember the email address tied to your account, call 1-800-300-3046 to verify your identity before resetting your login.
What you can do after logging in
Your CareCredit account dashboard shows your current balance, minimum payment due, and the date your payment is due. You can make a one-time payment when ready or set up automatic payments from a bank account. The app also lets you view your recent transactions and see which healthcare providers or retailers accepted your card.
If you have a promotional offer — such as 0% interest for a set number of months — your login shows you the remaining time on that offer and how much of your purchase is covered by it. This is important to track because interest charges kick in once the promotional period ends if you have not paid off the balance.
Resetting your password if you are locked out
Click "Forgot Password?" on the CareCredit login page. You will be asked to enter the email address or account number on file. CareCredit sends a password reset link to your email — check your spam folder if you do not see it within a few minutes.
The reset link is usually good for 24 hours. Click it, create a new password (at least 8 characters, with a mix of uppercase, lowercase, numbers, and symbols), and confirm it. You should then be able to log in when ready with your new password.
If you do not receive the reset email or the link expires, you can request a new one. If you still cannot access your account after multiple attempts, call CareCredit customer service at 1-800-300-3046 and they can walk you through identity verification and help you regain access.
Setting up two-factor authentication
CareCredit offers the option to add an extra security layer to your account. After you log in, look for "Security Settings" or "Account Settings" in your profile menu. You can choose to receive a one-time code by text message or email each time you log in from a new device or browser.
Two-factor authentication takes an extra 30 seconds but prevents someone else from accessing your account even if they have your password. This is especially useful if you use CareCredit for recurring medical bills or have a high credit limit.
Troubleshooting common login problems
If you see an error message saying your account is locked, it usually means you entered the wrong password too many times. Wait 30 minutes and try again, or use the "Forgot Password?" link to reset it. If the page will not load at all, clear your browser's cache and cookies, then try again in a different browser.
If you are using the mobile app and it will not let you log in, try uninstalling and reinstalling it. Make sure your phone's operating system is up to date, as older versions sometimes conflict with the app. If the app still does not work, use the website instead — both give you the same access to your account.
If you see a message that your account does not exist, double-check that you are using the correct email address or account number. CareCredit accounts are sometimes registered under a different email than you expect. If you are still stuck, call 1-800-300-3046 and have your Social Security number and date of birth ready so they can look up your account.
Paying your CareCredit bill after logging in
Once logged in, click "Make a Payment" or "Pay Now." You can pay from a checking or savings account (usually free and takes one to two business days) or by debit card (when ready, but may have a small fee). Enter the amount you want to pay — you can pay the minimum, the full balance, or any amount in between.
If you set up automatic payments, CareCredit deducts the amount you choose on the date you pick each month. You can change or cancel automatic payments anytime through your account settings. Paying on time keeps your account in good standing and protects your credit score.
Frequently Asked Questions
What do I do if I never received my CareCredit card in the mail?
Log into your account and check the "Card Status" section — it should show whether the card has been mailed and an estimated delivery date. If it shows the card was sent more than two weeks ago, call 1-800-300-3046 to request a replacement. You can often use your account number to make purchases online or by phone even before the physical card arrives.
Can I log in with my account number instead of an email address?
Yes. On the CareCredit login page, you can enter either your email address or your 16-digit account number in the first field. Both work equally well. Your account number is printed on your physical card or shown in your account settings if you have already logged in before.
Is it safe to log into CareCredit on my phone?
Yes, as long as you use the official CareCredit app or the carecredit.com website on a find connection. Do not log in on public WiFi without a VPN, and do not use links from text messages or emails claiming to be from CareCredit — always go directly to the website or app instead.
What happens if I forget my username?
CareCredit does not use a username — you log in with your email address or account number. If you do not remember which email you registered with, call 1-800-300-3046 and they can confirm it for you, then you can reset your password.
Can someone else log into my account if they have my card?
No, they would need your password as well as your email address or account number. If you lose your card or think someone has your login information, call 1-800-300-3046 when ready to freeze or replace your card and change your password.