Pet Care Credit Card and Financing - CareCredit (2024)

Animal & Pet Care

The CareCredit credit card empowers you to be financially prepared for the lifetime of care your cherished companions need to stay healthy and happy.

Get StartedHow it works

Pet Care Credit Card and Financing - CareCredit (1)
Pet Care Credit Card and Financing - CareCredit (2)

For animals big & small.
For planned & unexpected.

The CareCredit credit card can be used for routine veterinary appointments, grooming services, emergency pet care, or a variety of surgeries and treatments in the CareCredit network.* It gives pet owners the peace of mind needed to care for pets.

Pets & Animals

  • Dogs
  • Cats
  • Horses
  • Birds
  • Reptiles
  • Rabbits
  • Guinea pigs
  • Other

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Services, Procedures & Products

  • Annual exams
  • Dental cleaning
  • Parasite prevention
  • Dermatology
  • Medications
  • Diagnostics – labs and imaging
  • Radiology
  • Chronic disease
  • Vaccinations
  • Microchipping
  • Pet food and nutrition
  • Boarding and grooming
  • Daycare and training
  • Senior care

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Specialty & Emergency

  • Spay and neutering
  • Surgical procedures
  • Hospitalization
  • Accidents and injury
  • Cancer care and chemotherapy
  • Orthopedic surgery and rehab
  • Cardiology
  • Neurology
  • Ophthalmology
  • And more

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* Subject to credit approval.

Average Vet Care Costs

As official family members, veterinary care is no longer just a necessity, it’s a priority. That’s why it’s important to understand the costs you might encounter and be financially ready to manage them. Here are some average pet care costs:

Average Costs*

Annual Vaccinations$10 - $100
Teeth Cleaning$50 - $300
Spay$100 - $200
Neuter$50 - $100
Diabetes$2,371 (canines)
$2,267 (felines)

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* Average Costs/Estimates are derived from Synchrony's Pet - Lifetime of Care Study, August 2021, Pets Best Data, 2017-2021 and may vary based on geography, veterinary practice, and other variables.

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Find Veterinary Care Locations Near You

Enter your city or zip code in the search bar below to find veterinary care providers near you.

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Are you a healthcare provider?

Visit our Provider site to learn more about how CareCredit can help your patients and clients get the care they want and need.

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Related resources

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ARTICLE Posted November 04, 202314 Tips to Help Manage Your Pet's WeightPet obesity is at an all-time high and is responsible for a number of health issues that can reduce your pet's life span and quality of life. Learn how to manage your pet's weight and help them stay fit and healthy.Read more
ARTICLE Posted November 03, 2023Itchy, Scratchy Dog: 4 Common Dog Skin Conditions and TreatmentsPet skin issues can cause your dog discomfort and potentially lead to additional health complications if left untreated. Read on to recognize the signs and causes of dog skin conditions, and learn about treatment and preventative steps.Read more
ARTICLE Posted October 06, 2023Rabies Vaccine for Dogs: Why It Matters, Timelines and MoreDogs should get the first dose of a rabies vaccination between 12 and 16 weeks old. Learn more about the importance of this vital vaccine for your pup.Read more

The content is subject to change without notice and provided solely for your convenience. You are urged to consult with your individual advisors and/or medical providers with respect to any information presented. Neither Synchrony nor any of its affiliates, including CareCredit, make any representations or warranties regarding this content and accepts no liability for any loss or harm arising from the use of the information provided. Your receipt of this information constitutes your acceptance of these terms and conditions.


All product and service names, logos, and brands are property of their respective owners and are used for identification purposes only. Use of these names, logos, and brands does not imply endorsement.

Our cardholders are putting their health and wellness first.

CareCredit is helping millions of Americans pay for their care every single day.

View all stories

veterinary Suzanne M. "By having a Care Credit card allows to take my (2) dachshunds to the vet for their annual check-up.Otherwise, I would not be able to handle the amount of money it takes to pay for their services all at once.For the last 2 years I had to put one my dogs on the back burner and just take one but this year I took both within a week of each other because I could pay each month through Care Credit. Read story
veterinary Mary L. "I got my card when I had an emergency with one of my horses. I had a vet bill that was rather large and I used my card to help pay that bill. Just today, I have put my card to use again. Another horse, another emergency and another vet bill. I will be mailing the statement and the card number to my vet in the next mail. It has helped me when things were tight especially with my horses. They can always seem to get into trouble in a hurry. Read story
veterinary Ashley C. "I rescued an 8 week old puppy from a horrible home. The next day I woke up and he had declined in health overnight. I did not have enough money for the treatment plan to save his life. Because of care credit my puppy is alive and he will have the chance to live a long life. I could not be more grateful for this company because I would've rescued him to only pass from complications because I wouldn't have been able to afford the plan. Thank you so much. Read story
veterinary Dot S. "Having Care Credit has been my go to for all my VET appts. I have 4 dogs and now 2 new kittens. I love them all dearly and having this card helps ease the mind when paying the bill. i always recommend to fellow Animal Rescue Volunteers to apply for the card. I know of 1 person who did and another will be doing so at their next vet appt. I have only used it once for a Dental Procedure for me, it is really for my FurKids. Read story

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Have your own success story?
We'd love to hear it.

Our cardholders continue to inspire with their stories of how CareCredit has helped them with their health and wellness wants and needs.

Share your story

Pet Care Credit Card and Financing - CareCredit (20)Pet Care Credit Card and Financing - CareCredit (21)

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Suzanne M.

By having a Care Credit card allows to take my (2) dachshunds to the vet for their annual check-up.Otherwise, I would not be able to handle the amount of money it takes to pay for their services all at once.For the last 2 years I had to put one my dogs on the back burner and just take one but this year I took both within a week of each other because I could pay each month through Care Credit.

Pet Care Credit Card and Financing - CareCredit (23) Pet Care Credit Card and Financing - CareCredit (24)

Pet Care Credit Card and Financing - CareCredit (25)

Suzanne M.

By having a Care Credit card allows to take my (2) dachshunds to the vet for their annual check-up.Otherwise, I would not be able to handle the amount of money it takes to pay for their services all at once.For the last 2 years I had to put one my dogs on the back burner and just take one but this year I took both within a week of each other because I could pay each month through Care Credit.

Pet Care Credit Card and Financing - CareCredit (26) Pet Care Credit Card and Financing - CareCredit (27)

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With Pets Best + the CareCredit credit card*, you’re ready for any vet expense.

Unexpected illness or injuries to your pet can cost thousands of dollars. That’s why you should consider pet health insurance. It reimburses you up to 90% of eligible veterinary expenses, so you’re financially prepared to protect your pet—and your wallet.

4 out of 5 pets will have a medical emergency in their lifetime. Pets Best insurance can cover:

  • Diagnostics
  • Medications
  • Accidents
  • Dental treatments
  • Cancer treatments
  • And more

Save 5% on a Pets Best policy

Learn moreGet a quote Pet Care Credit Card and Financing - CareCredit (28)

Pet Care Credit Card and Financing - CareCredit (29)

Pet Care Credit Card and Financing - CareCredit (30)

* Subject to credit approval.

**5% Discount applies to BestBenefit Accident and Illness plans; not available in AK, FL, HI, or TN. Additional 5% discount if insuring more than one pet. Pet insurance is administered by Pets Best Insurance Services, LLC and is underwritten by American Pet Insurance Company, a New York insurance company. Please visit www.americanpetinsurance.com to review all available pet health insurance products. Terms and conditions apply. See policy for details. CareCredit credit card not required for payment. Pets Best is a CareCredit solution.

Flexible financing options for your care.

With a CareCredit credit card, you can pay for health and wellness costs over time with promotional financing options that help fit your needs.

  • No annual fee††
  • Promotional financing options
  • Accepted at over 260,000 CareCredit network locations
  • Earn points on all purchases if approved for the CareCredit Rewards Mastercard†††

Subject to credit approval
††See Rates and Fees for details.
†††Rewards: See Rewards Program Terms at carecredit.com/rewardsterms for details. Rewards points required for redemption are subject to change.

Ready to take the next step? See if you prequalify without impacting your credit score.

ApplyHow it works

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Pet Care Credit Card and Financing - CareCredit (2024)

FAQs

What credit score do you need for CareCredit for pets? ›

Key Takeaways. Most people with a credit score of 640 or better will qualify for a CareCredit credit card. Most veterinarians take CareCredit, because it helps them provide services without having to set up internal financing systems for their clients.

What is the interest rate for CareCredit for pets? ›

The CareCredit Card offers these short-term financing options: no interest for 6, 12, 18 or 24 months on purchases of $200 or more. If you don't pay the balance back on time, you'll pay a jaw-dropping 26.99% annual percentage rate (as of January 2023) on every cent you financed in the first place.

Is CareCredit a loan or a credit card? ›

CareCredit is a credit card designed to pay for out-of-pocket health and wellness expenses with convenient monthly payments.

Can I use my CareCredit card to buy dog food? ›

CareCredit for Veterinarian Care

The CareCredit credit card can be used for a variety of routine veterinary services, including: Checkups. Pet food and nutrition.

Is it hard to get approved for CareCredit? ›

If you have good credit and a low debt-to-income ratio, the lender may approve you and offer you its most competitive rates. Even if you're approved, you aren't required to take the loan.

How much credit will CareCredit give you? ›

A CareCredit card has a maximum credit limit of $25,000. For charges of $200 or more, CareCredit offers "no-interest" promotional periods of six, 12, 18 and 24 months, depending on the provider. If you pay off your purchase within your promotional period, no interest will be charged.

What is the minimum monthly payment for CareCredit? ›

No Interest Payment Plans:
Starting BalanceMinimum Monthly Payment
$1,000$30
$2,000$60
$3,000$90
$4,000$120

How many months is CareCredit interest free? ›

No interest if paid in full within six, 12, 18, or 24 months on qualifying qualifying purchases of $200 or more at enrolled provider locations and select retailers in the CareCredit Network.

How can I avoid paying interest on CareCredit? ›

As long as you pay the entire balance within the promotional period you agree to, CareCredit won't charge accrued interest. This way, you can spread your payments over time and still avoid paying interest.

Can I use my CareCredit card to pay bills? ›

Use your CareCredit credit card to pay outstanding healthcare bills online. Whether it's a recent visit to the dentist, your pet's vaccinations or your sister's LASIK treatment – CareCredit makes it easy for you to pay on time.

Can I use my CareCredit card like a regular credit card? ›

In some sense, the CareCredit card works just like a regular credit card. The only difference is that you can only use it to cover traditional medical insurance copayments​ on covered services.

Why would CareCredit deny me? ›

In most cases, it's one of the following: Your credit score is too low. You don't have enough income. You have too much debt relative to your income.

Can CareCredit be used for vet bills? ›

Finally, another approach to paying for vet bills would be to use financing with the CareCredit credit card at enrolled provider locations. * Some of the advantages of using CareCredit to pay for your pet's care include: Ease of payment.

Does Petsmart accept CareCredit? ›

You cannot checkout at the same time, cannot purchase Petsmart items at Banfield, etc. Care credit is not accepted at PetSmart for any good or service.

Can I use my CareCredit card at Mcdonald's? ›

If approved for the CareCredit Rewards Mastercard, you can use your card everywhere Mastercard is accepted and earn points on purchases. Purchases made at any CareCredit network location, at pet stores, grocery stores and on health and wellness purchases earn 2x points.

What credit score do you need for pet financing? ›

While each bank has its own specific requirements around minimum credit scores, for most personal loans, including pet loans you won't be able to qualify with a score lower than 610. (Of course, your credit score isn't the only thing that matters.

Can you get approved for CareCredit with a 600 credit score? ›

To qualify for the CareCredit credit card, you need a credit score of 640 or more, which is in the fair credit score range for FICO®.

Is CareCredit a hard or soft pull? ›

It's easy for your patients or clients to see if they prequalify for the CareCredit credit card. It's a soft credit check with no impact to their credit score*—and that's good news for both them and your practice.

Can I get CareCredit with bad credit? ›

High credit limits, combined with the ease with which CareCredit cards can be obtained, mean that they can be a good way for people with a poor credit history to pay for medical bills. Be warned, though, that CareCredit cards can be expensive if you aren't able to make your repayments on time.

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