Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
Apply now
On Capital One‘s site

Best Credit Cards for Paying Medical Bills of December 2022

Even the well-mapped out financial plans can be thrown out of balance due to unexpected medical expenses. Fortunately, some credit cards can help you pay for medical expenses you can hardly pay out of pocket. So, in this article, we will look into the best credit cards to use for medical bills and miscellaneous healthcare costs so that you can better assess which one is more suitable for your needs.

By Hanna Volkava
Updated December 08, 2022

Best Credit Cards for Medical expenses in December 2022

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Capital One SavorOne Cash Rewards Credit Card best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use

SavorOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.36
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One SavorOne Rewards Credit Card offers 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

    The SavorOne Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on purchases and balance transfers. After that, the variable APR is 17.99% - 27.99%. The card has a balance transfer fee of 3%.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No annual fee
    • No foreign transaction fees
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • $200 cash bonus (once you spend $500 on purchases within the first 3 months from account opening);
    • 1% Cash Back on all other purchases;
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
View all SavorOne details
Apply now
On Capital One‘s site
Card detail

Capital One Quicksilver Cash Rewards Credit Card best for Cash Back, No Annual Fee, Daily use

Quicksilver Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.58
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $200 Cash Bonus once you spend $500 on purchases within 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Quicksilver Credit Card from Capital One® offers 1.5% Cash Back on all purchases with a $0 annual fee. It also offers a 0% intro on purchases and balance transfers for 15 months, followed by the standard APR of 17.99% - 27.99% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    New cardholders will have the opportunity to earn a bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • Pros:
    • No minimum redemption is required
    • No annual fee
    • No foreign transaction fees
    • Intro APR period on Purchases
    • Generous sign-up bonus
  • Cons:
    • No bonus rewards categories
    • Other cards offer longer intro APR periods and/or lower APR
    • You need a good credit score to get this card
  • Benefits:
    • $200 Cash Bonus (once you spend $500 on purchases within 3 months from account opening);
    • Unlimited 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Complimentary Concierge Service;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services;
    • Capital One Shopping;
    • Shop With Your Rewards.
View all Quicksilver details
Apply now
On Capital One‘s site
Card detail

Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

QuicksilverOne Capital One
Annual fee:
$39 annually
Regular APR:
28.49% Variable
Our Rating:
3.64
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Credit Card from Capital One gives you 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

    The QuicksilverOne Card has an APR of 28.49% Variable.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
View all QuicksilverOne details
Apply now
On Capital One‘s site
Card detail
Capital One® Quicksilver Secured Cash Rewards
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.14
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Quicksilver Secured Cash Rewards Credit Card offers unlimited 1.5% Cash Back on all purchases with a $0 annual fee.

    The APR for purchases and balance transfers is 28.49 Variable. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No Annual Fee
  • Cons:
    • No Intro APR period
    • High APR
    • No welcome bonus
  • Benefits:
    • 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Emergency Card Replacement;
    • Capital One® Travel.
View all Quicksilver Secured Cash Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One Quicksilver Student Cash Rewards Credit Card best for International students

Quicksilver Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.52
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $100 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Quicksilver Student Cash Rewards Credit Card is a good option for earning Cash Back on general spending. The Card earns 1.5% Cash Back on every purchase.

    The Capital One Quicksilver Student Cash Rewards Credit Card has a high interest rate of 17.99% - 27.99% (variable APR). The Card has no annual fee and no foreign transaction fees. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $100 bonus (once you spend $100 on purchases within 3 months from account opening);
    • 1.5% Cash Back on every purchase;
    • Fraud Liability;
    • Extended Warranty;
    • Travel Accident Insurance;
    • Capital One Shopping;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services.
View all Quicksilver Student Cash Rewards details
Apply now
On Capital One‘s site
Card detail

Upgrade Cash Rewards Visa® best for Good credit score

Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

View all Upgrade Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail
Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
3.53
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

View all Upgrade Triple Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail
Capital One® Spark Cash Plus
Annual fee:
$150 annually
Regular APR:
None *
Our Rating:
3.62
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 2% Cash Back for your business on every purchase.
  • Intro Offer:
    • $1,000 Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.
  • Purchase Intro APR:
    None *
  • Balance Transfer APR:
    None *
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Spark Cash Plus Credit Card earns 5% Cash Back on hotels and rental cars booked through Capital One Travel and 2% Cash Back on every purchase.

    The Card has no APR because your balance is due in full every month.

    Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.

    The Card's annual fee is $150.

  • Pros:
    • No foreign transaction fees
  • Cons:
    • Annual Fee
  • Benefits:
    • Up to $1,000 in the first 6 months;
    • $200 cash bonus every year you spend $200,000 or more;
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • 2% Cash Back on every purchase;
    • Roadside Assistance;
    • Free Employee Cards;
    • Extended Warranty;
    • $0 Fraud Liability.
View all Spark Cash Plus details
Apply now
On Capital One‘s site
Card detail
Capital One® Spark® Cash Select
Annual fee:
$0
Regular APR:
16.24% - 22.24% Variable
Our Rating:
5
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
  • Intro Offer:
    • $500 Cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
  • Balance Transfer APR:
    16.24% - 22.24% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Spark® Cash Select Credit Card earns a $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. The Card offers 5% Cash Back on hotels and rental cars booked through Capital One Travel, 1.5% Cash Back for your business on every purchase.

    The Spark® Cash Select Card doesn't charge an annual fee.

    The card's APR is 16.24% - 22.24%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • $500 cash bonus (once you spend $4,500 on purchases within the first 3 months from account opening);
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • 1.5% Cash Back for your business on every purchase;
    • $0 Fraud Liability;
    • Free Employee Cards;
    • Roadside Assistance.
View all Spark® Cash Select details
Apply now
On Capital One‘s site
Card detail

Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Unlimited®
Annual fee:
$0
Regular APR:
18.74% - 27.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1.5% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    18.74% - 27.49% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (18.74% to 27.49% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

    The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. And earn 5% cash back on gas station purchases on up to $6,000 spent in the first year.

  • Pros:
    • No Annual Fee
    • Generous rewards
    • 0% intro APR
    • Sign-up bonus
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Zero Liability Protection;
    • $200 intro bonus;
    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
    • 3 percent back on dining;
    • 3 percent back at drugstores;
    • 1.5 percent Cash Back on general purchases;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Insurance;
    • Travel and Emergency Assistance Services;
    • 24/7 Fraud Protection;
    • Redeem for Cash Back;
    • Gift cards.
Card detail

U.S. Bank Visa® Platinum Card best for 0 APR, No Annual Fee

U.S. Bank Visa® Platinum
Annual fee:
$0
Regular APR:
18.24% - 28.24% Variable
Our Rating:
3.65
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for the first 18 billing cycles
  • Balance Transfer APR:
    18.24% - 28.24% Variable
  • Issuer name:
    US bank
  • Details:

    The U.S. Bank Visa® Platinum Credit Card is a good 0% intro APR card.

    The Visa® Platinum Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 18 billing cycles on purchases and balance transfers made within 60 days of account opening. After that, the variable APR is 18.24% to 28.24%.

    Cardholders who pay their cell phone bill every month with the U.S. Bank Visa® Platinum Card will receive this benefit. Get up to $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone with your card.

  • Pros:
    • Great introductory APR
    • No Penalty APR
    • No Annual Fee
    • Excellent Cell Phone Protection Coverage
    • Flexible payment date
  • Cons:
    • No Rewards
    • No Welcome Bonus
    • Foreign Transaction Fee
  • Benefits:
    • Cell phone protection;
    • Auto pay & due date choice;
    • ID Navigator Powered by NortonLifeLock.
Card detail

Citi Diamond Preferred® best for 0 APR, No Annual Fee

Diamond Preferred® Citi
Annual fee:
$0
Regular APR:
16.74% - 27.49% Variable
Our Rating:
3.79
scorer
Credit score
Excellent (740-799)
  • Intro Offer:
    • No current offer .
  • Purchase Intro APR:
    0% Introductory APR for 12 months from date of account opening
  • Balance Transfer APR:
    16.74% - 27.49% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi Diamond Preferred® Card comes with 0% introductory APR offer for 12 months on purchases and 21 months on balance transfers (16.74% - 27.49% variable after that).

    The Card charges no annual fee and gives cardholders with excellent credit a chance at a relatively low ongoing APR.

  • Pros:
    • 0% Intro APR for 12 months on purchases and 21 months on balance transfers
    • Flexible payment due date
    • No annual fee
    • Free access to FICO® score
  • Cons:
    • No rewards
    • Foreign transaction fee applied
    • Late payment fees
  • Benefits:
    • $0 Liability;
    • Digital Wallets;
    • Citi Entertainment.
Card detail

Citi Simplicity® best for 0 APR, Single mom

Citi Simplicity®
Annual fee:
$0
Regular APR:
17.74% - 28.49% Variable
Our Rating:
3.57
scorer
Credit score
Excellent (740-799)
  • Purchase Intro APR:
    0% Introductory APR for 12 months from date of account opening
  • Balance Transfer APR:
    17.74% - 28.49% Variable
  • Issuer name:
    Citi
  • Details:

    The Citi Simplicity® Credit Card is a no annual fee card that can be utilized for balance transfers and ultimately paying off debt. The card does not offer a rewards program

    The Citi Simplicity® Card offers an introductory 0% Intro APR on purchases for 12 months. Additionally, the card offers 0% Intro APR on balance transfers for 21 months from the date of the first transfer. After that, the APR will be 17.74% – 28.49%, based on your creditworthiness.

    The card has a balance transfer fee of $5 or 5 percent of the amount of each transfer, whichever is greater. Balance transfers must be completed within four months of opening the account. If you miss a payment, there is no late fee or penalty APR.

    The Card's Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card.

    Identity theft can happen to anyone. If it happens to you, Citi® Identity Theft Solutions can help you resolve the matter and get your life back on track.

  • Pros:
    • 0% intro APR on Balance Transfers for 21 months
    • 0% intro APR on purchases for 12 months
    • No annual fee
    • No late fees or penalty rates ever
  • Cons:
    • No rewards system or sign-up bonus
    • Foreign transaction fee
  • Benefits:
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • Digital Wallets;
    • Citi® Identity Theft Solutions.
Card detail

Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Flex℠
Annual fee:
$0
Regular APR:
18.74% - 27.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    18.74% - 27.49% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

    You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). Plus, earn 5% Cash Back on gas on up to $6,000 spent in the first year. You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

    The card offers a 15-month 0% annual percentage rate for purchases and balance transfers, after which the APR is 18.74% - 27.49% Variable. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

  • Pros:
    • $200 sign-up bonus
    • High cash back rewards on quarterly rotating bonus categories
    • Decent cash back rewards on select spending categories
    • 0% intro APR on purchases
    • No annual fee
  • Cons:
    • Foreign transaction fee
    • Rotating spending categories require activation
    • No intro APR on balance transfers
  • Benefits:
    • 5% Cash Back on gas;
    • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards;
    • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
    • 3% Cash Back on drugstore purchases;
    • 1% Cash Back on all other purchases;
    • $200 Cash Back;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Trip Cancellation/Interruption Insurance;
    • Cell Phone Protection;
    • Auto Rental Collision Damage Waiver;
    • Travel and Emergency Assistance Services.
Card detail

Short Review of Best Credit Cards for Medical Expenses

NameBest forRewards RateAPRApply
Capital One SavorOne Cash Rewards Credit Card
4.36
Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
  • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
  • 1% Cash Back on all other purchases.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Capital One Quicksilver Cash Rewards Credit Card
    4.58
    Cash Back, No Annual Fee, Daily use
  • 1.5% Cash Back on every purchase.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Capital One QuicksilverOne Cash Rewards Credit Card
    3.64
    Fair credit
  • 1.5% Cash Back on every purchase.
  • 28.49% VariableApply now
    On Capital One‘s site
    Capital One Quicksilver Secured Cash Rewards Credit Card
    3.14
  • 1.5% Cash Back on every purchase.
  • 28.49% VariableApply now
    On Capital One‘s site
    Capital One Quicksilver Student Cash Rewards Credit Card
    3.52
    International students
  • 1.5% Cash Back on every purchase.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Upgrade Cash Rewards Visa®
    4.35
    Good credit score
  • 1.5% Cash Back on payments.
  • 14.99% - 29.99% RegularApply now
    On Upgrade‘s website
    Upgrade Triple Cash Rewards Visa®
    3.53
  • 3% Cash Back on Home, Auto and Health categories.
  • 1% Cash Back on everything else.
  • 14.99% - 29.99% RegularApply now
    On Upgrade‘s website
    Capital One Spark Cash Plus
    3.62
  • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
  • 2% Cash Back for your business on every purchase.
  • None *Apply now
    On Capital One‘s site
    Capital One Spark Cash Select - $500 Cash Bonus
    5
  • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
  • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
  • 16.24% - 22.24% VariableApply now
    On Capital One‘s site
    Chase Freedom Unlimited®
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1.5% Cash Back on all other purchases.
  • 18.74% - 27.49% VariableLearn more
    U.S. Bank Visa® Platinum Card
    3.65
    0 APR, No Annual Fee
  • This card doesn't offer cash back, miles or points.
  • 18.24% - 28.24% VariableLearn more
    Citi Diamond Preferred®
    3.79
    0 APR, No Annual Fee
  • This card doesn't offer cash back, miles or points.
  • 16.74% - 27.49% VariableLearn more
    Citi Simplicity®
    3.57
    0 APR, Single mom
  • This card doesn't offer cash back, miles or points.
  • 17.74% - 28.49% VariableLearn more
    Chase Freedom Flex℠
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1% Cash Back on all other purchases.
  • 18.74% - 27.49% VariableLearn more

    Card's description:

    Capital One SavorOne Cash Rewards Credit Card

    The Capital One SavorOne credit card offers unlimited 3% cash back on entertainment, dining, popular streaming services and at grocery stores, and 1% on other purchases. In addition, the SavorOne card offers 0% APR on purchases and transfers for 15 months from account opening (after that, your APR will be 17.99% - 27.99%), providing the chance for easy payment terms on your medical expenses. Furthermore, the card has no foreign transaction fees and no annual fee.

    Read more about Capital One SavorOne Cash Rewards Credit Card

    Capital One Quicksilver Cash Rewards Credit Card

    Another card on our list with 0% introductory APR for purchases and transfers (17.99% - 27.99% after that). You will have up to 15 months to pay off your medical bills with no interest. A straightforward rewards system is offered by the Capital One Quicksilver Cash Rewards card. There’s no need to bother about categories because all purchases will earn 1.5% cash back without limit. Plus, it’s maintenance-free with no annual fee, and you can enjoy shopping outside of the USA with zero foreign transaction fees. You can redeem rewards at any amount, anytime, and the rewards will not expire for the life of the card.

    Read more about Capital One Quicksilver Cash Rewards Credit Card

    Chase Freedom Unlimited®

    When you open an account with Chase Freedom Unlimited® Credit Card, you will earn a $200 bonus after spending $500 on purchases within the first three months. Plus, you'll also enjoy 5% cash back on your purchases at eligible grocery stores up to $12,000 in spendings during the first year. Afterward, standard cash back rates will apply at 3% on dining, 5% on travel through Chase Ultimate Rewards, and 1.5% on all other purchases. You will also earn 3% cash back on purchases at drugstores, making it a great credit card to pay for your medications. In addition, 0% intro APR on purchases and balance transfers for 15 months (18.74% - 27.49% variable after that) can help you spread payments for large medical bills. Plus, there’s no annual fee, making it cost-free to maintain.

    Read more about Chase Freedom Unlimited®

    U.S. Bank Visa® Platinum Card

    If you just got a large medical bill or want to pay off a long outstanding balance for medical expenses, then the US bank Visa® Platinum Card could be the ideal credit card for you. The 0% APR on purchases and balance transfer for 18 billing cycles will give you enough time to settle payments at no interest. Plus, this card costs nothing to maintain with zero annual fees.

    Read more about U.S. Bank Visa® Platinum Card

    Citi Diamond Preferred®

    If you need a break from paying high interest on your outstanding balance from your medical bills, the Citi Diamond Preferred® Card has a way out for you by offering 0% APR on balance transfers for 21 months. The 0% APR for 12 months applies to purchases, so you can pay medical bills and have some relief paying off your debt without interest. After 12 months (for purchases and 21 months for balance transfers), the standard rate applies for as low as 16.74% - 27.49% APR, based on your creditworthiness. The Citi Diamond Preferred® credit card charges no annual fee and has a digital wallet for quick checkouts during shopping.

    Read more about Citi Diamond Preferred®

    Citi Simplicity®

    Just like the Citi Diamond Preferred® card, the Citi Simplicity® Card also offers 0% APR for 12 months on purchases and 21 months on balance transfers that could help ease the burden of medical bills. Digital wallets are available for convenience and faster checkouts. While both cards may have almost similar offers, the Citi Simplicity® Card is more lenient on late payments with the potential for waived fees. However, the Citi Simplicity® also has a higher variable APR range, starting from 17.74% - 28.49%. So, if you’re tight on budget and sometimes you miss a payment, the Citi Simplicity® would be the ideal one to choose. But you must also keep in mind that late payments can affect your credit score.

    Read more about Citi Simplicity®

    Chase Freedom Flex℠

    The Chase Freedom Flex℠ credit card is another excellent credit card for easing your payments on medical billing. The 0% APR on purchases and transfers for 15 months (18.74% - 27.49% Variable after) lets you defer your recent medical expenses for an extended period without interest. You will also enjoy cash back rewards, such as 3% on drugstore purchases and dining. Other purchases will earn 1% cash back. The rewards will not expire as long as the account remains active and there’s no annual fee to worry about.

    Read more about Chase Freedom Flex℠

    What is a medical credit card?

    A medical credit card can help you pay for eligible healthcare, medical, veterinary, and dental expenses where insurance or your savings could not cover. You can use them to pay for medical expenses and consultations with healthcare practitioners like physicians, dentists, audiologists, ophthalmologists, cosmetic surgeons, and veterinarians.

    icon-infoSome medical credit cards have healthcare financing options, offering a solution to easing the burden of surmounting medical bills. For example, Wells Fargo Health Advantage® Card has patient benefits that offer financing plans, and it has a revolving line of credit for patients to use over and over again.

    Also, other medical credit cards have veterinary features. For example, CareCredit has PetCare, comprehensive pet insurance where you can get reimbursements on eligible veterinary bills when your pet gets sick. So, there are unique features that set medical credit cards apart from general credit cards.

    Who qualifies for medical credit cards?

    Qualification requirements for applicants of medical credit cards may vary according to the guidelines of the credit card companies. But generally, those with good credit score have higher chances of getting approval. Usually, applications for medical cards are available at the doctors’ offices, which would be a good start since you will have better assurance that your physician will accept such credit cards for payments. Fresh college graduates, students, and those without credit history may still apply. But sometimes, a cosigner with a good credit score may be required to get approval.

    How to choose the best card to pay for medical expenses?

    By looking at the card’s features, you can determine if your credit card can pay for your medical expenses. Depending on your situation, you might want to pay your medical bills with a regular credit card or a medical credit card.

    Most healthcare providers accept Visa® or Mastercard®, offering the chance to use your general credit card to settle your medical bills. While choosing the card to pay with, consider if your medical bills are recurring or one-time. If you have to buy prescription medication regularly, look at credit cards with higher rewards rates on drugstore purchases, like Chase Freedom Unlimited® or Bank of America Cash Rewards.

    For more considerable medical expenses, like surgical procedures or dental visits, you want to pay for your medical bills during the intro 0% APR period on purchases, so you have more time to pay them off with no interest. Additionally, you can use any credit card for medical expenses and then transfer the balance to another credit card with 0% APR on balance transfers.

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    An excellent example would be the US bank Visa® Platinum Card, which offers 0% APR on balance transfers for 20 billing cycles (18.24% - 28.24% Variable thereafter).

    If a regular credit card doesn’t work for you, look for the medical one with more comprehensive medical features, such as health care financing plans and veterinary coverage if you have pets.

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    For example, CareCredit has plenty of healthcare financing options, from primary care, dentistry, chiropractic, cosmetic, fitness, surgical procedures, medicines and pharmacy, medical equipment and supplies, laboratories and diagnostics, and weight loss, to animal and pet care.

    So, choosing an ideal card requires a thorough analysis of your current needs. Whether you need to manage existing medical debt, pay off current medical expenses, or buy medications will play a primary role in choosing the best credit card.

    Potential risks of paying a medical bill with a credit card

    Credit cards may offer an option for paying off substantial medical bills. But there are also downsides to be attentive about. If you opt to settle your medical bills using your credit card, it will likely increase the debt-to-credit ratio and lower your credit score.

    There are also potential consequences if you choose to pay off your medical bills with zero interest for a certain number of months. Failure to pay in full within the intro period will result in payment of excessive interest built up since the time of the original charge.

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    CareCredit, for example, offers a financing plan for medical expenses at 0% interest for 12 months. But if you fail to pay the balance in full within the promotional period, they will charge applicable interest to your account from the date of purchase.

    Alternatives to credit cards

    You might want to consider some alternatives to paying medical bills with credit cards, such as medical loans, medical financial assistance programs, or simply negotiating for your medical bills. You may also make use of the financial programs of hospitals and clinics. For example, UI Health Care of University of Iowa Hospitals & Clinics offers financial assistance programs for patients who are unable to pay for their medical expenses. So, if you look around for opportunities, you'll find some alternatives to medical credit cards.

    Is a medical credit card right for me?

    A medical credit card could be right for you if you have problems paying cash for your medical bills. It’s also a good choice if you want to spread your payments for several months at no interest to ease your medical debt burden. For example, Wells Fargo Health Advantage® Card and CareCredit have financing plans for hospital bills and drugstore purchases, giving you the chance to settle your bills over time at no interest. Also, if you have pets and you’re looking for a pet healthcare plan, a medical credit could be right for you. However, general credit cards, like Chase Freedom Unlimited®, might be a better choice in many circumstances. With a higher reward rate for drugstore purchases, 0% intro APR for purchases and balance transfers, and no annual fee, this card is a well-balanced option for medical expenses and everyday use.

    FAQ

    What are other credit cards to consider?

    To pay for your medical expenses, you can consider balance transfer credit cards like the Citi Double Cash Card or cards that offer a 0% APR introductory period on purchases, such as Blue Cash Everyday® Card from American Express®.

    Can I pay medical bills with a credit card?

    Most major medical providers will accept credit card payments. However, it is best to check the fine prints of the medical bill to have a better understanding beforehand with regards to how far a credit card covers medical expenses.

    Can I pay for health insurance with a credit card?

    The use of credit cards as a payment method for health insurance premiums is a choice by health insurance providers. Most major insurance companies, such as Aetna, Cigna, Humana, Health Net, Anthem, Blue Cross Blue Shield, Well Care, and United Healthcare, have credit cards as a payment option. Before you get a health insurance plan, check if they accept the type of credit card you have in mind as your preferred mode of payment.
    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us