Can I Use CareCredit at Walmart? Yes, Learn How it works

Last updated: 16 Oct, 2023 |
Can I Use CareCredit at Walmart Answered + How CareCredit Works

The CareCredit card is becoming more widely accepted, allowing you to make purchases other than medical ones. One frequently asked topic is whether you may use your CareCredit card to buy food at big-box stores like Walmart.

This detailed article delves into the specifics of using your CareCredit card for grocery shopping at Walmart, ensuring you know the options and constraints.

Can I Use CareCredit at Walmart?

The quick answer is yes! Walmart accepts CareCredit, making buying health and wellness products and services easy. CareCredit is a healthcare credit card that provides many options at Walmart.

Can I use my CareCredit card for food?

Not at all. Your CareCredit card can’t be used to buy food. With CareCredit, you can only buy or pay for health, wellness, and personal care items and services.

Prescription drugs, over-the-counter drugs, vitamins, first aid supplies, diapers, baby formula, car seats, thermometers, personal care products, durable medical equipment, eye care, dental care, pet food and treats, flea and tick medicine, and pet supplies are all covered.

What Is CareCredit?

CareCredit is a credit card for medical expenses that can help people pay for different medical procedures and treatments. It’s widely accepted at over 225,000 providers and stores, like Walmart.

CareCredit covers many medical services, such as dental care, eye care, LASIK, cosmetic procedures, veterinary care, hearing care, and more.

What are the benefits of having a CareCredit Card?

If you use the Hemingway Scale to figure out the right reading level for a child in fifth or seventh grade, here is a simpler version of the text:

CareCredit is a special kind of credit card that you can use to pay for medical bills. It has many advantages, such as:

  • Buy things that aren’t on sale and don’t earn interest: Shopping at Walmart won’t cost you extra interest if you pay off your whole balance every month.
  • High credit limit: CareCredit lets you borrow up to $25,000, so you can use it to pay for even big medical bills.
  • CareCredit doesn’t have a minimum purchase amount so you can use it for anything, even small things like over-the-counter medicine or bandages.
  • Easy to get approved: Even if you have bad credit, CareCredit makes it pretty simple.
  • Special financing: If you buy something medical for at least $200, you can get 0% interest for up to 24 months. CareCredit has a lower APR and fixed monthly payments if you need a longer loan term.
  • At Walmart, all you have to do to use CareCredit is show your card at the register. It can be used to pay for things at the pharmacy, over-the-counter medicines, beauty and health products, baby care, and at Walmart Vision Centers and Walmart Care Clinics.
What are the benefits of having a CareCredit Card

Is there any limitation about Carecredit card?

CareCredit is a common method to pay for medical expenses. However, it’s essential to understand its limitations before you decide to sign up. When shopping at Walmart, you can use CareCredit exclusively for purchasing health-related items.

This includes products from the pharmacy, over-the-counter medicines, beauty and health products, baby care essentials, and services at Walmart Vision Centers and Walmart Care Clinics. Remember, this card is not for buying other types of items.

One thing to note about CareCredit is that it does not offer any rewards. This means you won’t earn cash back or travel points when you make purchases with this card.

CareCredit has a high interest rate of 26.99 percent for late payments. This rate is significantly higher than the average credit card interest rate of 20.4 percent. It’s crucial to make your payments on time and pay off your balance by the due date to avoid this high rate.

Additionally, there is a $30 late fee charged for every payment that is not made by the deadline. Make sure to keep track of your payment schedule to avoid these extra charges.

What Health Care Services does Walmart have?

CareCredit recently grew its business by letting Walmart accept its cards. You can use your CareCredit card at any register, even the ones that let you check out yourself. It’s important to know, though, that you can only charge certain health, wellness, and personal care items and services to your CareCredit account at Walmart.

Here are some examples of things and services that can be paid for with CareCredit at Walmart:

  • Prescriptions and other Walmart Pharmacy purchases, including pet prescriptions
  • Pharmacy copays and deductibles
  • First-aid supplies
  • Vitamins
  • Over-the-counter medications, such as cold or allergy remedies
  • Diapers
  • Baby formula
  • Car seats
  • Thermometers
  • Baby books and toys
  • Walmart Vision Center purchases
  • Personal care products, including dental care, skin care, and hair care
  • Walmart Health Center expenses
  • Pet food and treats
  • Flea and tick medication (no prescription necessary)
  • Pet supplies, including collars, leashes, crates, beds, toys, and more
  • Durable medical equipment (DME), such as wheelchairs, walkers, and oxygen tanks
  • Vision care services at Walmart Vision Centers, such as eye exams, glasses, and contact lenses
  • Dental care services at Walmart Health Centers

How to Use CareCredit at Walmart?

Using your CareCredit card at Walmart is straightforward:

  1. Shop for your healthcare items.
  2. When you’re at the checkout, use your CareCredit card first for eligible items.
  3. For any items that don’t qualify for CareCredit, be prepared to pay for them using an alternative payment method.
  4. Most Walmart stores allow you to use your CareCredit card at the self-checkout or regular checkout stations.

What Are Special Considerations for Walmart Vision Centers?

It is possible to get promotional CareCredit financing at Walmart Vision Centers. But you should check with the Walmart Vision Center near you to see what deals they have right now.

In particular, this could help you if you want to buy glasses or contacts because it might let you make your purchase with the added benefit of promotional financing.

Is Carecredit accepted at all Walmart locations?

Yes, CareCredit is accepted at all Walmart locations, including Walmart Supercenters, Neighborhood Markets, and Walmart Vision Centers.

What are the categories you can’t buy with a CareCredit Card?

Here are some examples of items and services that cannot be purchased with CareCredit at Walmart:

  • Grocery items
  • Electronics
  • Clothing
  • Furniture
  • Home improvement items

Final Words

CareCredit has teamed up with Walmart to give customers a hassle-free and adaptable option to pay for healthcare and personal care expenses, making certain that crucial products and services are easily accessible.

By having a clear understanding of the benefits and limitations of CareCredit, and being aware of what you can buy with it at Walmart, you can make well-informed choices regarding your healthcare financing.


Can I buy dog food with CareCredit?

Yes, you can buy dog food with CareCredit at Walmart. Dog food is considered a pet food and treats, which is an eligible purchase for CareCredit.

Can I buy groceries with my CareCredit card at Walmart?

No, you cannot buy groceries with your CareCredit card at Walmart. Groceries are not considered health, wellness, or personal care products and services.

Can You Use Your CareCredit Card For Online Purchases At Walmart?

No, you cannot use your CareCredit card for online purchases at Walmart. CareCredit can only be used for in-store purchases at Walmart.

What if I have items in my basket that are not health and wellness related?

If you have items in your basket that are not health and wellness related, you must use a different payment method to purchase those items. CareCredit can only be used for health, wellness, and personal care products and services.

What happens if I need to return an item purchased from Walmart using my CareCredit credit card?

If you purchase something from Walmart with your CareCredit credit card and need to return the item, you will receive a refund to your CareCredit account. It is important to note that you may be subject to a return fee, depending on Walmart’s return policy.


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Faisal Mian

With a decade of experience as a manager, advisor, and marketer in the retail and consumer service sector, I understand the intricacies of the shopping landscape. I’m committed to delivering valuable insights to enhance your shopping endeavors.

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