Like a credit card, but better. CareCredit® works just like a regular credit card, but without high interest rates, annual fees or pre-payment penalties. CareCredit® offers no-interest and low interest payment terms, zero hidden fees, and low minimum monthly payments. You can use your CareCredit® card over and over for all your pet’s follow-up care as well as annual exams and vaccines. So you can focus on what really matters, like playing fetch and learning new tricks.