CareCredit Mobile

• Free

Last verified 4 Sep 2026

4.8 63395 ratings · App Store

1. 5/5Pet life saver

   With the cost of pet care so high I don’t know how I would be able to get my cats what they need without CareCredit. Get the treatment, flea/tick meds, shots.. everything… and with CareCredit I have 6 months to repay them before there are interest charges.. 6- months…. And they list your promotional charges so you can easily track when those charges will hit that 6-month date. They even send me texts reminding me of when those no interest charges are close to becoming due. 5-minutes to download the app and get approved is all it took me. One of my cats (DMITRI) was hit by a car and needed surgery… I had no idea how I could come up with the money for the operation ($2800) but he is my baby so I had to do something. The Vet clinic recommended CareCredit and within minutes I had the peace of mind knowing Dmitri would get his broken hip socket fixed AND I had 6-months to pay off that debt with no interest. I highly recommend CareCredit for everyone. Even if you don’t need anything right now, having the CareCredit card in your pocket will give you the comfort and peace of mind of knowing if an emergency does occur you are ready.

   Rhb0731 · 4 Sep 2026

2. 2/5App is fine. This company is awful.

   Long story short, we needed a loan to cover a medical expense we couldn’t pay for outright. We investigated multiple options and this one seemed to be the best option for us. We looked at their website and qualified for a long term loan without interest. It wasn’t explicitly clear that a given provider wouldn’t necessarily allow you to take that option. A provider will allows you to sign up for a subset of those items, even if you qualify for better. We where pushed through paperwork not understanding this (shame on the provider) before finding this out. When I asked CareCredit they educated me, but admitted there is no way ahead of time to know what a provider will let you select or (more importantly) audit problems like this after the fact. In short, there is zero accountability or recourse. Once screwed, stay screwed. This alone was bad, but it gets worse. I added my spouse as a registered card user, but they accidentally mistyped the name in a distinctly weird way, which we had fixed later. We paid off the loan and not even two months later we got a credit card offer in the mail for the name that they mistyped from a third party. They sold our information. I’m sure this was probably more fine print that we “agreed” to, but none of this was transparent. We would never chosen this company if I didn’t have to (out of desperation) at the time. Shame on you.

   Paul Baker Salt Shaker · 4 Sep 2026

3. 2/5Scam

   I don’t know how so many people can praise this scam unless they’re paid. Here is my experience: while it wasn’t earning interest, everything was fine. I had lost my job so I couldn’t pay it off for awhile but I made the minimum payments without ever being late. The SECOND it started earning interest, I was locked out of my account. When I tried to get help, I was told they couldn’t help me without my account number or card number. How do I get my account or card number if I can’t log in to see it? This has gone on for TWO MONTHS. Meanwhile, they are calling every single day asking for payment and charging me expensive late fees — $40 every time! FINALLY they send me a paper statement so I have my account number. I log in to pay — which is stupid btw. If some stranger wants to pay, let them — and they inform me there’s a new login and I have to verify myself. I do, have to create a new login, then they have me verify myself AGAIN using the EXACT SAME method they just used! How is that anything other than a nuisance? I go through all of this for two months only to get a screen denying me entry AGAIN. I have to call Monday through Friday. Im going to find a way to pay this off and never ever use it again. Between the late fees and interest they’ve charged me while locking me out, I’ll probably need a loan to pay it off. Absurd.

   Midorrian2 · 4 Sep 2026

4. 1/5Vet visit payment declined

   I’ve had Care Credit for several years. Only used it at our vet’s office. Then went to use it for my dog’s visit in January 2023 only to discover that our card was declined by Care Credit because we didn’t have the new Care Credit card with the MasterCard logo on it. When I called and spoke with a representative, I was told we cannot apply for that card because MC does random selections for current Care Credit card holders. She then inferred that maybe my credit score was too low! My credit score was 833 at that time and it’s even higher now. What an insult from that very rude person! So I cannot use my current Care Credit card at my veterinarian’s office, regardless that I’ve used it in the past and ALWAYS paid my balance well ahead of schedule! My veterinarian’s office stated they would not apply for the new updated Care Credit with the MC logo account because their customer service is one of the worst they’ve ever had to deal with. I totally understand what they are talking about, because the “customer service” person I’ve had to speak with was extremely rude and disrespectful to me! I’ve had to use my personal credit card to pay for vet visits and still manage to pay them off after two payments. But my credit worthiness by paying all my bills doesn’t matter to Care Credit or apparently Master Card either.

   Dutchlady1974 · 4 Sep 2026

5. 5/5Makes life easy

   This app makes it so much easier for me to keep my payments on time And make the payment when it is convenient for ME. I can make a payment without waiting on hold for someone or hoping the mail got there or waiting for internet. I love knowing I can make that payment close to the date it is due if I have forgotten or will not have the money in my account in time for other methods to get it there on time. It literally takes me seconds to make a payment and I get confirmation and a record right to my email as well as a text for reminders. In a busy life this is a huge help in keeping my credit going up up up. I also can Acess my balance and available amount anytime I need to. . This makes it super convenient during emergency situations. I use it for my puppy with a congenital issue that tends to be u predictable. It’s been an absolute life saver in these times when we don’t expect an emergency visit to her specialist! Thank you Care Credit for giving me this opportunity to better my credit while providing healthy care for my family INCLUDING my fur family! ❤️

   Dineesmiles · 4 Sep 2026

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