CareCredit is a health-focused credit card that allows cardholders to pay for medical expenses over time.
You can use CareCredit at many clinics, dentists, optical centers, and veterinary offices, among other healthcare providers.
You can also use CareCredit at a small number of retail stores to purchase health and wellness products such as over-the-counter medications or personal care products.
CareCredit’s retail partners at the time of this writing are:
- Duane Reade (as previously reported)
- Rite Aid
- Sam’s Club
- Walgreens (as previously reported)
- Walmart (as previously reported)
We confirmed this information with store customer service representatives and CareCredit representatives; CareCredit also lists partner information on its website.
You cannot use CareCredit at other retail stores that are not CareCredit partners.
CareCredit is only valid on select items at retail stores. Representatives for CareCredit, Duane Reade, Rite Aid, Sam’s Club, Walgreens, and Walmart were unable to provide complete lists of the eligible brands or products at their stores; however, CareCredit provides a list of some qualifying product categories, as detailed below.
Note that the list of qualifying products is meant to act as a general guideline and is not a guarantee of approval for your purchase.
While Duane Reade, Rite Aid, and Walgreens sell mostly health-related products and accept CareCredit for most available items, not all products or brands at Walmart and Sam’s Club are eligible for CareCredit.
The following categories/items usually qualify for CareCredit:
- Baby products
- Accessories for nursing/feeding
- Activity mats
- Baby bath products, powders, and lotions
- Baby food
- Baby furniture
- Baby hygiene products
- Baby wipes
- Car seats
- Diapers and training pants
- Infant apparel
- Pediatric nutrition
- Safety devices
- Teething lotions
- Beauty products
- Haircare/styling products
- Shaving products
- Skincare (including sun protection)
- Hearing devices
- Custom hearing aids
- Hearing aid batteries
- Hearing center services
- Sound amplifiers
- Over-the-counter medication
- Allergy medication
- Asthma medication
- Blood pressure monitors
- Cold and flu medication
- Diet bars and pills
- Diet and protein drinks and powders
- Digestive aids
- Family planning products
- First aid products
- Hot and cold therapy
- Lift chairs
- Lip care
- Pain relievers
- Pet OTC
- Probiotic supplements
- Quit-smoking products
- Sleep aids
- Snoring aids
- Personal care
- Bar soap and body wash
- Cotton swabs
- Dental care products
- Face wash
- Feminine care products
- Hair regrowth products
- Hand sanitizer
- Incontinence aids
- Liquid soap
- Pet care
- Collars and leashes
- Crates and beds
- Flea and tick control
- Prescription pet medication
- Pet food and nutrition
- Diabetic supplies
- Vision care
There are also items the card won’t cover no matter where you’re shopping, with a few exceptions.
An example is that while some infant clothing and furniture may be covered, the same wouldn’t be accepted for adult clothing and general household furniture.
You cannot use CareCredit for the following items at any of its retail partners:
- Gift cards
- Groceries (except for certain pediatric nutrition products)
- Home furnishings (except for some baby furniture)
- Lottery tickets
- Money services, such as money orders and money transfers
- Prepaid cards
- Prepaid card and gift card reloads
How to Use CareCredit at Stores
Each of the retailers listed above only accepts CareCredit for in-store purchases; you cannot use it on the retailer’s website or mobile app, nor can you use it to place orders over the phone.
Additionally, CareCredit purchases at these stores are not eligible for any of CareCredit’s promotional financing offers.
You must pay using your physical CareCredit card when making a retail purchase.
Since CareCredit may not cover all of the items in your order, it is a good idea to have a second form of payment on hand. Swipe your CareCredit card first; it will automatically identify and pay for the qualifying items. You can then pay the remainder of your balance using a different payment method.
If you have trouble using your CareCredit card at a store, contact CareCredit’s customer service line at (866) 893-7864.
Stores That Don’t Take CareCredit
In the course of our research, we found that the following stores do not accept CareCredit for retail purchases:
- BJ’s Wholesale Club
- CVS (See our dedicated article on the CVS CareCredit policy.)
- Petco (See our related article for Petco’s payment policy.)
- PetSmart (See our related article for the PetSmart CareCredit policy.)
- Pet Supplies Plus
- Premier Pet Supply
- Whole Foods Market