Summary
Credit card issuers are offering a growing number of options for financing medical expenses. Use this table to compare and find the best deal.
The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.
Health care providers and card issuers are offering a growing number of options for financing medical expenses. Here is a list of some of the credit options and terms.
See also: Special report: Do credit cards offer health care Rx?, 15 tips for paying high medical bills, Health care credit cards rise to fill insurance gap, CreditCards.com poll results: credit and health care costs, ‘MedFICO’ score: Good medicine or bad?No credit card, no medical service?, Blog: Americans worried about health care, Bankruptcies near record levels as economy sours, Study: 79 million struggling to pay medical bills and debt
Credit issuer (type) | Treatment covered | Terms, restrictions | Interest rate | Credit limit, fees |
![]() CareCredit from GE Money | Dental, vision, cosmetic, hearing, veterinary from approved provider list | 3 to 18 months with 3 percent minimum payment each month or fixed rate installment loan for up to 60 months; only accepted by GE Money medical providers | Zero percent if paid in full at end of term or 11.9 percent for fixed rate installment plan | Credit limit: $4,000 average Late fee: $15 to $39 |
ChaseHealthAdvance (installment loan) | Dental, orthodontic, vision, cosmetic, hair restoration from approved provider list | Three, 6, 12, 18 or 24 months; fixed rate installment loans for patients with good and excellent credit | Zero percent to 11.99 percent | Credit limit: $5,000 to $20,000 |
![]() Citi Health Card | Dental, vision, hearing, veterinary from approved provider list | Three different plans: Zero interest for 3 to 18 months; Budget plan for 48 months at 12.96 percent; Regular revolving credit at 21.98 percent variable interest; only accepted by Citi medical providers | Zero percent to 21.98 percent, depending on plan Default APR: 25.98 percent | Credit limit: varies by account Late fee: $29 to $35 |
![]() HumanaAdvance Visa Card | Any health-related products or services | Zero interest; balances repaid within 6 months from payroll deductions. Must sign up through employer | Zero percent | Credit limit: $500 to $5,000 depending on salary Annual fee: $96 paid by employer and/or employee |
![]() Prepaid Healthcare Card | Approved health-related products and services | Available through employers’ Health Reimbursement Accounts (HRAs) | Allows employers to give employees tax-free reimbursements of qualified health expenses | Load amounts from $25 to $5,000 Fees: $4.95 per card, plus $2.95 to reload and $12.95 to replace lost or stolen cards |
![]() Wells Fargo Visa | Anywhere Visa debit cards are accepted | Available only to employees enrolled in high-deductible health insurance plans using health savings accounts (HSAs) | Employees use their own money or contributions from employers; HSA earns tax-deferred interest | Credit limit: Based on account balance Maintenance fee: $4.25/month for individual accounts |
Source: CreditCards.com research and interviews
Note: Terms listed in the chart are subject to change by lenders. Click on the links to the financing options for the most up-to-date terms.
See related: Special report: Do credit cards offer health care Rx?, 15 tips for paying high medical bills, Health care credit cards rise to fill insurance gap, CreditCards.com poll results: credit and health care costs, ‘MedFICO’ score: Good medicine or bad?No credit card, no medical service?, Blog: Americans worried about health care, Bankruptcies near record levels as economy sours, Study: 79 million struggling to pay medical bills and debt
Editorial Disclaimer
The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.