CareCredit Rewards Mastercard® from Synchrony: annual fee, APR and rewards

Fact sheet for the CareCredit Rewards Mastercard®, issued by Synchrony, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Synchrony
Network	Mastercard
Annual fee	$0
Rewards	Points: Earn 4x points at purchases under $200 with the CareCredit provider network, and on health & wellness and pet store purchases; 3X points at grocery stores and restaurants; 2x points everywhere else Mastercard is accepted outside of the CareCredit provider network (bonus points through 12/31/27; base rate 1 point per $1).
Purchase APR	For New Accounts as of 5/30/24: Purchase APR 32.99%.
Balance transfer fee	5% Fee ($5 min)
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 32.99%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.