CareCredit online payment works through the cardholder portal at synchronybank.com or the CareCredit mobile app, where you log in with your account credentials and choose how much to pay and when

CareCredit is a healthcare credit card issued by Synchrony Bank. When you carry a balance, you can pay it online without calling customer service or mailing a check. The process takes a few minutes and the payment typically posts within one business day.

You do not need to set up anything special to pay online — your account is automatically set up for it. You only need your CareCredit card number and the password you created when you first received the card, or you can create a new password if you have forgotten it.

Key Takeaways

  • Log in at synchronybank.com or use the CareCredit mobile app to see your balance and make a payment in real time.
  • You can pay any amount from a dollar up to your full balance, and you can schedule a payment for a future date if you want to time it with your paycheck.
  • Payments post within one business day, but if you are close to a due date, pay at least three business days early to avoid a late fee.
  • The online portal shows your interest rate, minimum payment, and the date your promotional period ends if you have one.
  • If you cannot remember your password, you can reset it on the login page without calling Synchrony.

Logging in to your account on the Synchrony website

Go to synchronybank.com and select "Sign In" at the top right. Enter your CareCredit card number and your password. If you do not have a password or cannot remember it, click "Forgot Password" and follow the prompts to reset it using your email address or the last four digits of your Social Security number.

Once you are logged in, you will see your account dashboard. This shows your current balance, minimum payment due, due date, and available credit. If you have a promotional period (such as 0% interest for 12 months), the end date of that period appears here as well. This is the information you need to decide how much to pay and when.

Using the CareCredit mobile app instead of the website

The CareCredit mobile app is available for iPhone and Android. read it from the App Store or Google Play, then log in with the same card number and password you use on the website. The app shows the same account information and payment options as the website.

Some cardholders find the app faster for a quick payment, especially if you already have it installed on your phone. The app also sends push notifications when your payment is due, which can help you avoid missing a due date. Payments made through the app post on the same timeline as website payments — within one business day.

Choosing a payment amount and date

After you log in, select "Make a Payment" or a similar button (the exact label varies slightly between the website and app). You will see a field where you can enter the amount you want to pay. You can pay any amount from $1 up to your full balance. You can also choose to pay just the minimum payment if that is all you can afford right now.

Below the amount field, you will see an option to pay today or schedule the payment for a future date. If you choose a future date, the payment will be processed on that date, but it will still take one business day to post to your account. If your due date is coming up, schedule the payment at least three business days before the due date to make sure it posts in time and you do not incur a late fee.

What happens after you submit your payment

After you click "Confirm" or "Submit," you will see a confirmation number on the screen. Write this down or take a screenshot — you will need it if you ever need to contact Synchrony about the payment. The confirmation page also shows the amount you paid, the date it will post, and your new balance after the payment posts.

The payment will debit from your bank account within one to two business days, depending on your bank. It will post to your CareCredit account within one business day after that. Until it posts, your account balance will still show the old amount. Once it posts, you will see the new balance reflected in your account.

Paying from a different bank account or updating your payment method

When you make your first online payment, you will enter your bank account number and routing number. Synchrony stores this information so you do not have to enter it every time. If you want to pay from a different bank account, you can add a new account in your online settings before you make the payment.

To update or add a bank account, log in to your account, go to "Settings" or "Payment Methods," and select "Add Bank Account." You will need your routing number and account number. Once you add it, you can choose which account to pay from each time you make a payment. You can also delete old accounts if you no longer use them.

Avoiding late fees and understanding due dates

Your due date appears on your monthly statement and in your online account. A payment is on time if it posts to your account by 11:59 p.m. Eastern time on the due date. Because online payments take one business day to post, you should submit your payment at least three business days before your due date to be safe.

If you miss a due date, Synchrony will charge a late fee (the amount varies based on your balance and state law, but typically ranges from $25 to $40). A late payment also damages your credit score and may end any promotional interest rate you have. If you are running late, pay as soon as you can — even a day late is better than waiting longer.

Frequently Asked Questions

Can I set up automatic payments so I do not have to log in every month?

Yes. In your online account settings, look for "Automatic Payments" or "Recurring Payments." You can set up a payment to happen on the same date each month, or you can choose to pay the minimum payment automatically. This is useful if you want to make sure you never miss a due date.

What if my payment does not show up after three days?

Log back into your account and check the status. If the payment still shows as pending, wait one more business day. If it has been more than five business days since you submitted the payment and it still has not posted, contact Synchrony customer service at the number on the back of your card with your confirmation number.

Can I pay my CareCredit bill by phone instead of online?

Yes. Call the number on the back of your card to speak with a representative who can process a payment over the phone. You will need your card number and the bank account you want to pay from. Phone payments post on the same timeline as online payments.

Does paying online cost extra or have a fee?

No. Synchrony does not charge a fee for online payments. Paying online, by phone, or by mail all cost the same — nothing. The only charge you will face is interest on your balance if you do not pay it off before your promotional period ends.

What if I pay more than my balance by accident?

If you overpay, Synchrony will credit the extra amount to your account as a negative balance. You can use that credit toward future charges, or you can request a refund by calling customer service. Refunds typically take five to seven business days to reach your bank account.