CareCredit can be a good option for paying for healthcare when you can’t manage to pay the full bill outright.
Care Credit is accepted by more than 250,000 healthcare providers in the United States.
Care Credit allows customers to set up short-term financing if they spend more than $200.
The advantage of Care Credit short-term financing is that it doesn’t apply additional interest charges if you pay the bill in full over the period that was agreed upon by the customer and the company.
For those who depend on Care Credit, many wonder if Amazon accepts Care Credit.
Does Amazon Accept Care Credit?
No, Amazon does not accept Care Credit.
Though they sell many health and wellness products, Care Credit cards are not accepted as a form of payment.
Amazon hasn’t released any statements about why they don’t accept Care Credit, but it is most likely because most of the products that they sell do not qualify for Care Credit.
If you need to buy medicine, supplements, and hygiene products, it’s probably best to look at alternative stores to use your Care Credit card.
Some Other Care Credit Options
If you are looking for stores where you can shop with Care Credit, here are some other options you can consider.
1. Does Rite Aid Accept Care Credit?
Rite Aid does accept Care Credit cards.
It is a corporate policy, so this applies to all of their locations.
If you are going to buy products with Care Credit at Rite Aid, it is important that you only have qualifying products in your purchase when you check out.
If you want to buy other products that are not eligible for Care Credit, you will need to purchase them in a separate transaction.
It is also important to note that you cannot use Care Credit on the Rite Aid website.
It will only be accepted inside the store.
2. Does Sam’s Club Accept Care Credit?
Sam’s club does accept Care Credit. Sam’s Club sells many products that qualify for Care Credit, but it sells just as many that do not.
It is important to make sure you are only buying eligible products when paying with a Care Credit card at Sam’s club.
3. Does Walgreens Accept Care Credit?
Yes, all Walgreens locations accept Care Credit.
According to the Care Credit website, all items at Walgreens qualify for Care Credit except lottery tickets, gift cards, alcohol, and tobacco.
Similar to Rite Aid, only in-store transactions qualify, and the card cannot be used on the Walgreens website.
Another thing that is important to keep in mind when using Care Credit to pay for Walgreen’s purchases is that purchases from Walgreens do not qualify for promotional financing.
4. Does Walmart Accept Care Credit?
Yes, Care Credit is accepted at all Walmart locations.
You have to make sure you are purchasing qualifying items and that you are using the card in-store.
It cannot be used for purchases on Walmart’s website.
It is also important to note that you cannot use the card at Walmart’s gas station stores.
If you need medicine when stopping for gas, it is best to go inside the main Walmart building to buy your items in order to pay with Care Credit.
Walmart sells many products that qualify for Care Credit but this retailer also sells many products that do not qualify.
It is important to separate your purchases and put all of your qualifying purchases into one transaction.
Transactions at Walmart do not qualify for promotional financing.
However, some Walmart locations have vision centers that offer promotional financing through Care Credit.
If you are interested in using promotional financing in a Walmart Vision Center, ask the Vision Center associate if Care Credit promotional financing is something the center qualifies for.
What Can I Buy With My Care Credit Card?
It is important that you are making qualifying purchases with your Care Credit card.
Care Credit can only be used for specific essential purchases.
Here are some of the more common purchases you can make with a Care Credit card:
1. Baby Products
If you have a baby, Care Credit can be a great option for you because most essential baby purchases can be made with Care Credit.
You can buy baby formula, pediatric nutrition, and nursing or feeding accessories.
Those are not the only things, though!
You can also buy infant hygiene products like baby soaps, shampoo, and baby wipes.
Diapers are another regular baby purchase that can be made with Care Credit.
You can even buy baby furniture and car seats with your Care Credit card!
2. Hygiene Products
We all need to stay clean and take care of our bodies.
Care Credit can be used to purchase hair care products like shampoo and conditioner.
It can also be used for skin care products like moisturizers and facial cleaners.
Shaving products like razors and shaving cream can also qualify for Care Credit.
3. Hearing Support
Autiphon Rechargeable Hearing Aids for Seniors Adults with Noise Cancelling, 1 Week Backup Power, U01, Beige, Pair
If you have hearing problems, most of your expenses will qualify for Care Credit.
Care Credit can be used to purchase hearing aids and hearing aid batteries.
It can also pay for hearing center services and be used to buy sound amplifiers for hearing aids.
4. Medications
Almost every type of over-the-counter medication can be paid for with Care Credit.
This includes allergy medication, asthma medicine, cold and flu medication, and sleep aids.
5. Birth Control
Family planning products can also be purchased with Care Credit.
6. Eye Care
Care Credit can be used to pay for eye care as well.
This includes buying contact lenses, contact solutions, eye drops, and paying for eye exams.
7. Health Care
It isn’t only products that you can use a Care Credit card for.
You can use it to pay your co-pays and deductibles.
What Kind Of Items Can I Not Buy With My Care Credit Card?
Some of the things you cannot buy with Care Credit include alcohol, tobacco, gift cards, lottery tickets, and money services.
Though many locations that accept Care Credit will sell these products, it is important to make sure they are not in your cart when you check out.
Can I Use Care Credit To Pay For Products And Services Online?
Typically, you cannot use your Care Credit card to pay for products online, which is one of the reasons Amazon does not accept Care Credit.
However, it is possible to pay many healthcare bills online through the Credit Care website.
You will be asked to search for your provider on their website and then make a payment.
For transactions beginning at $200, you can apply for certain financing options.
Why Should I Consider Using Credit Care For Medical Payments?
If you are thinking about applying for a Care Credit card, or if you already have one, you might be wondering how using a Care Credit card can benefit you.
One of the biggest benefits of using Care Credit is that certain transactions above $200 are eligible for payment plans without any additional interest.
This can really help people who have large medical bills they have to pay off.
For example, if you had to spend $10,000 on a medical procedure and did not have $10,000 to pay it off at once, you could pay with Care Credit and sign up for a 24-month repayment plan where you pay $417 a month without additional interest.
This could be much more manageable than having to pay a $10,000 bill outright.
What Should I Know When Using Care Credit To Pay For Medical Purchases?
There are a few things you need to keep in mind when using Care Credit to pay for purchases.
If you are going to use their special financing options, there are severe penalties if you do not pay off the purchase within the agreed-upon period.
Let’s take the example of using special financing to pay a $10,000 bill.
If you had even a few dollars left on that bill after the 24-month promotional period was over, you would be charged interest on the purchase from the original purchase date.
For new accounts, the APR is 26.99%.
That would mean $2,699 in interest for a $10,000 bill.
In this sense, Care Credit can be risky.
It is best to pay off the full amount well before the due date to avoid being charged extremely high interest rates.
When Will I Be Billed For My Care Credit Purchase?
If you do choose to use Care Credit to make qualifying purchases at participating stores, you will have to pay the bill eventually.
The date that you have to pay your bill will depend on when you started using your card.
You will receive a billing statement within 30 days of making a purchase.
Your billing statement will list the payment due date.
If you want to avoid paying interest charges, it is important to pay the bill before the billing due dates.
Will Paying With Care Credit Save Me Money?
Paying with Care Credit does not provide you with a discount at the time of purchase.
However, there are a couple of ways that Care Credit can save you money.
The first way is with their special financing option.
If you have to pay a large medical bill but don’t have the money to pay it outright, using Care Credit’s no-interest financing options will save you thousands of dollars in interest if you can pay the full amount within the promotional period.
The second way the Care Credit can save you money is through its rewards program.
It is important to know that Care Credit doesn’t offer rewards, but the Care Credit Rewards Mastercard does.
With every purchase, you earn points.
You can redeem those points to receive rewards such as gift cards or even statement credits.
For example, if you earn 10,000 points you can get $100 off on your credit card statement.
While it isn’t directly a discount on the initial purchase, it does result in savings down the line.
How Do I Get The Care Credit Rewards Mastercard?
You can only get the Care Credit Rewards Mastercard if you are already a Care Credit cardholder.
It is an upgrade option, not a card you can apply directly for.
Can I Use Care Credit Before Receiving My Physical Card?
If you are making in-store purchases, you will need to have your physical card to use Care Credit.
However, if you are paying for services from a medical provider, it is often possible to use Care Credit right after approval.
This means that you could apply for the card while in the doctor’s office and then use the card to pay your bill, if you were approved and if the doctor allows payment without the physical card being present.
