# CareCredit Rewards Mastercard®

> Earn up to 4x on healthcare and 4x on drugstore. No annual fee.

Canonical page: https://cardstack.money/cards/carecredit-rewards-mastercard
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Synchrony Bank
- Network: Mastercard
- Annual fee: $0
- Rewards program: CareCredit Rewards

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 4x | Healthcare |  |
| 4x | Drugstore |  |
| 4x | Gym & Fitness |  |
| 4x | Pets |  |
| 3x | Groceries |  |
| 3x | Dining |  |
| 2x | All other purchases | Base earn rate |

## Other benefits

- **Rewards offer through 12/31/26**: Earn 4x points on qualifying CareCredit provider network purchases under $200, health and wellness purchases, and pet store purchases; 3x at grocery stores and restaurants; and 2x everywhere else Mastercard is accepted outside the CareCredit provider network.
- **Promotional financing**: Eligible purchases of $200 or more at CareCredit enrolled provider and select retail locations may qualify for promotional financing; terms vary by provider and offer.
- **Rewards redemption**: Points can be redeemed starting at 1,000 points for rewards such as statement credit, travel, gift cards, and merchandise.
- **Mastercard benefits**: Mastercard ID Theft Protection, Zero Fraud Liability, and Mastercard Global Service may apply; see benefit terms.


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CardStack is an iOS app that automatically tracks your credit card statement credits, benefits, and points so they never expire unused. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863