What CareCredit is and where to log in
CareCredit is a credit card issued by Synchrony Bank that you use to pay for medical, dental, and veterinary expenses. When you log in to your CareCredit account, you see your balance, payment due date, interest rate, and transaction history — the same things you would see with any other credit card account.
The official login page is at synchrony.com/carecredit. You enter your username and password there. If you do not have an account yet, you would need to open one first through that same website or through a healthcare provider's office that accepts CareCredit.
CareCredit works like a regular credit card, but it is marketed specifically for healthcare costs. Some providers offer promotional financing — for example, zero interest for 12 months if you pay off the balance within that period. If you do not pay it off by the end of the promotion, interest charges explore retroactively to the original purchase date.
Key Takeaways
- You log in at synchrony.com/carecredit with your username and password to view your balance, due date, and transaction history.
- If you forget your password, the login page has a "Forgot Password" link that will walk you through resetting it using your email or phone number.
- Once logged in, you can make payments, set up automatic payments, and view your current interest rate and any promotional terms.
- CareCredit charges interest on unpaid balances, and promotional zero-interest periods end if you do not pay off the full amount by the important date.
- You can also call Synchrony's customer service at the number on the back of your card if you cannot log in or need help with your account.
Steps to log in for the first time
When you first open a CareCredit account, Synchrony sends you a card in the mail and provides temporary login credentials. Go to synchrony.com/carecredit and look for the login box on the homepage.
Enter your username (usually your email address or a username you created) and your temporary password. The system will ask you to change your password to something only you know. Write down or save your new password in a password manager — do not rely on your browser to remember it, because you may need to log in from a different device later.
After you set your password, you will land on your account dashboard. This is where you see your credit limit, current balance, minimum payment due, and the due date for that payment.
What to do if you cannot remember your password
On the synchrony.com/carecredit login page, click "Forgot Password." Synchrony will ask you to enter your email address or the phone number associated with your account. You will receive a link or code to reset your password.
If you do not receive the reset email or text within a few minutes, check your spam folder. If it is not there, try the other contact method — email if you used your phone number the first time, or vice versa. If neither works, call the customer service number on the back of your CareCredit card and a representative can help you regain access.
How to make a payment after you log in
Once you are logged in, look for a "Make a Payment" button or link on your dashboard. Click it and you will see options to pay by bank transfer, debit card, or credit card. Synchrony does not charge a fee for bank transfers, but paying with a debit or credit card may incur a small fee.
You can pay your full balance, your minimum payment, or any amount in between. If you are in a promotional zero-interest period, paying the full balance before the promotion ends is the only way to avoid interest charges. The system will show you exactly when that important date is.
Payments typically post to your account within one business day. If your payment is due soon and you are cutting it close, call customer service to confirm the payment arrived before the due date — late payments damage your credit score and trigger late fees.
Setting up automatic payments
If you want to avoid missing a payment, you can set up automatic payments from your bank account. Log in, find the "Automatic Payments" or "Recurring Payments" section, and enter your bank routing number and account number.
You choose whether to pay a fixed amount each month (like your minimum payment) or your full balance. You also choose the day of the month the payment should go through. Make sure you have enough money in your account on that day, or the payment will fail and you may be charged a fee.
You can change or cancel automatic payments anytime by logging back in and updating your settings. There is no penalty for stopping automatic payments — you just go back to making manual payments.
Understanding your interest rate and promotional terms
When you log in, your dashboard shows your current interest rate (called the APR, or annual percentage rate). This is the yearly cost of borrowing money on the card. CareCredit's standard APR varies based on your credit score and the current market, so it is different for each person.
If you have a promotional offer — such as zero percent interest for 12 months — that information appears on your account page with the exact end date. The promotion only applies if you pay off the full purchase amount by that date. If you do not, Synchrony charges you interest on the entire original purchase, not just the remaining balance.
For example, if you charged $1,000 to CareCredit with zero percent for 12 months and paid $800 in that time, you owe interest on the full $1,000 from the original purchase date, not just the $200 remaining. This is called deferred interest, and it is a major reason to pay off promotional balances before the important date.
What to do if you see unauthorized charges
If you log in and see a charge you did not make, contact Synchrony when ready. Call the number on the back of your card or use the "Contact Us" link on the website. Report the unauthorized charge and ask to file a dispute.
Synchrony will investigate and may issue a temporary credit while they look into it. Keep records of any correspondence — emails, call dates, and the names of representatives you spoke with. Federal law limits your liability for unauthorized charges, but you have to report them promptly to protect yourself.
Frequently Asked Questions
What if I do not have my username or email address anymore?
Call Synchrony at the number on your CareCredit card. A representative can look up your account using your card number and date of birth, then help you reset your login information or send you a new temporary password.
Can I log in on my phone?
Yes. Synchrony has a mobile app called the Synchrony Mobile app that works on iPhone and Android. You can also log in through the website on your phone's web browser. The app and website show the same information and let you make payments the same way.
Is it safe to log in on a public Wi-Fi network?
It is safer to log in on your home or mobile network. If you must use public Wi-Fi, avoid making payments or changing your password. Just check your balance. Public networks can expose your login information to others on the same network.
What happens if I forget to make a payment?
If your payment is late, Synchrony charges a late fee (usually $25 to $40) and reports the late payment to credit bureaus, which lowers your credit score. The longer the payment stays overdue, the more damage it does. Log in and make a payment as soon as you realize it is late.
Can I close my CareCredit account from the website?
You cannot close your account through the login portal. Call Synchrony customer service and ask to close your account. Pay off any remaining balance first, or ask what happens to it when you close the account. Closing an account can affect your credit score, so only do it if you are sure you will not need the card again.