The 7 Best Credit Cards for Healthcare Expenses [Medical & Dental]

Updated: April 16, 2024, 3:06pm CDT

Edited by:

The 7 Best Credit Cards for Healthcare Expenses [Medical & Dental]

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Medical expenses and dental work are niche spending categories — most of us have health insurance that covers a solid portion of procedures and check-ups.

But if you are making purchases that aren’t quite covered, what’s the best credit card to use?

There’s no one-size-fits-all answer to this unique question, but this guide is dedicated to getting you closer to narrowing down the best card for your healthcare expenses!

What To Look for in a Credit Card for Healthcare Expenses

Whether you have regular medical or dental expenses or rare, high-ticket expenses like surgery, optimizing your purchases could add up over time.

Indeed, there aren’t any credit cards that specifically call out medical or dental expenses as a bonus category, so the best thing to do in this situation is to find a fantastic credit card for everyday purchases. You won’t need to follow any bonus categories, and you can boost the rewards you earn on your daily transactions.

Here are our favorite personal credit cards for medical and dental expenses.

The 3 Best Personal Credit Cards for Healthcare Expenses

Card Summary

SCROLL FOR MORE

Card	Welcome Bonus and Annual Fee	Benefits for Healthcare Expenses
Citi Double Cash^® Card	Earn $200 cash back after spending $1,500 in the first 6 months. Annual fee of $0	2% cash-back (1% at the time of purchase and another 1% when you pay your bill, earned as ThankYou Points)
Chase Freedom Unlimited^®	Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. Annual fee of $0	1.5% cash-back on all purchases 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
The Platinum Card^® from American Express	Earn 80,000 points after spending $8,000 on purchases in the first 6 months. Annual fee of $695 (rates & fees)	1x points on medical or dental expenses

Citi Double Cash^® Card

U.P. Rating

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Learn More(at our partner's secure site)

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome OfferEarn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back

Annual Fee

APR

0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable

Credit Recommended

Fair to Excellent (580-850)

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros

Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Flexible redemption options
No annual fee

Cons

No bonus categories
3% foreign transaction fees
Lack of premium travel benefits

Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Citi Double Cash^® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel^SM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.

Financial Snapshot

APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Card Categories

Rewards Center

Citi ThankYou Rewards

It’s no secret that we’re a fan of the Double Cash card offered by Citibank. In our opinion, the Double Cash card is the single most rewarding credit card for non-bonused spending with no caps.

The Double Cash card earns you 2% cash-back (1% at the time of purchase and another 1% when you pay your bill, earned as ThankYou Points). There are no caps to how many rewards you can earn.

You can use these points for cash-back, travel through the Citi travel portal, or they can be transferred to Choice, Wyndham, or JetBlue.

However, if you also have a credit card like the Citi Premier^® Card, you can access all of Citi’s transfer partners and you’ll nearly double your return on spending, since ThankYou Points are worth 1.6 cents each.

That means your 2% cash-back transforms into a 3.2% return on your spending!

The card’s benefits also include an introductory APR benefit, a late fee pass, flexible pay dates, fraud protection, zero liability for unauthorized purchases, and access to Citi Private Pass for event tickets. As with all intro APR offers, the regular APR (as shown in the table above) will apply.

Why We Like Citi ThankYou Rewards Points

Citi’s ThankYou Rewards system is one of the best out there — thanks to a list of valuable transfer partners, we actively recommend earning Citi ThankYou Points.

That’s because you can redeem points through transfer partners to book flights like ANA first class and Emirates first class.

Additionally, there are plenty of non-transfer partner redemptions, such as cash-back, gift cards, checks, merchandise, direct deposit, travel booked through the ThankYou Rewards travel portal, and more.

Chase Freedom Unlimited^®

U.P. Rating

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome OfferEarn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back

Annual Fee

APR

0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Credit Recommended

Good to Excellent (670-850)

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Travel
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Travel
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points

Cons

3% foreign transaction fee

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Financial Snapshot

APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card has superb earning categories overall, but what makes this card special is the ability to earn 1.5% cash-back on all purchases, regardless of category. That means your medical and dental expenses will qualify to earn 1.5% cash-back.

To sweeten the deal, earn 5% cash-back on travel booked through the Chase Travel portal and 3% cash-back on dining and drugstore purchases.

Not only that, your Freedom Unlimited card’s cash-back rewards are convertible to Ultimate Rewards points at a 1% to 1x ratio, as long as you have an Ultimate Rewards credit card such as the Chase Sapphire Preferred^® Card, the Chase Sapphire Reserve^®, or the Ink Business Preferred^® Credit Card.

By converting your cash-back to Ultimate Rewards points, your 1.5%, 3%, and 5% cash-back becomes 1.5x, 3x, and 5x Ultimate Rewards points. That’s worth a 3%, 6%, or 10% return on your spending, according to our valuations.

Also, the introductory 0% APR benefit on purchases and balance transfers is nothing to sneeze at, either. After the introductory periods, regular APR (as indicated in the table above) will apply.

The Freedom Unlimited card comes with benefits like secondary rental car insurance, purchase protection, extended warranty, zero liability for unauthorized purchases, fraud protection and alerts, and more.

Why We Like Chase Ultimate Rewards Points

Chase Ultimate Rewards are some of the most valuable types of points in the entire world, worth 2 cents each.

While it’s true that the Freedom Unlimited card’s rewards are only redeemable at a 1 cent per point value, you can double the value of your points by having an Ultimate Rewards card, like the Chase Sapphire Preferred card.

To achieve greater value, transfer your Ultimate Rewards points to the Chase travel partners and use them for luxury business and first class flights!

The Platinum Card^® from American Express

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome OfferEarn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points

UP's Bonus Valuation*:
$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros

The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
TSA PreCheck or Global Entry credit
Access to American Express Fine Hotels and Resorts
Access to Amex International Airline Program
No foreign transaction fees (rates and fees)

Cons

$695 annual fee (rates and fees)
Airline credit does not cover airfare (only incidentals like checked bags)

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card^®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card^®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card^®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR^® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card^®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card^®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
$695 annual fee.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is the last personal card we’ll be talking about, and there’s a lot to talk about. This ultra-premium card offers the best luxury travel perks in the world.

Before we discuss that, though, let’s talk about the welcome bonus: a large bill from the doctor could easily help you reach the minimum spend requirement to receive the bonus, and you’ll earn 1x points on these medical or dental expenses.

Plus, you’ll get 5x points for flights booked directly with airlines or with AmexTravel.com (capped at $500,000 per calendar year).

And as far as luxury travel perks go, check out this massive list of benefits (terms apply and some benefits require enrollment through your American Express account):

Access to the American Express Global Lounge Collection, including Centurion Lounges, Delta Sky Clubs (when flying Delta the same day), Escape Lounges – The Centurion^® Studio Partner, International American Express Centurion Lounges, Plaza Premium Lounges, Select Virgin Clubhouses, Select Lufthansa Lounges, and Priority Pass lounges
Access to American Express’s Fine Hotels & Resorts and The Hotel Collection
Complimentary hotel elite status (Hilton Honors Gold and Marriott Bonvoy Gold Elite status)
Complimentary rental car status (Avis Preferred Club, Hertz Gold Plus Rewards, and National Emerald Club Executive)
Airfare discounts at the Amex International Airline Program
Up to $200 airline incidental fee credit
$189 CLEAR Plus credit
Up to $200 prepaid hotel credit on eligible stays
Travel insurance coverage, including trip interruption and cancellation, trip delay insurance, lost/stolen/damaged/delayed baggage, secondary rental car insurance, and emergency evacuation coverage

You’ll even enjoy lifestyle benefits, like up to $100 in Saks Fifth Avenue statement credits, up to $240 digital entertainment credit, up to $200 Uber Cash for U.S. Uber rides or U.S. Uber Eats orders, a $12.95 monthly Walmart + credit, and up to $300 Equinox credit.

Also, you’ll get access to Amex Offers, purchase protection, extended warranty, zero fraud liability protection, and no foreign transaction fees (see rates & fees).

Why We Like Amex Membership Rewards Points

Amex Membership Rewards takes the crown for the most valuable points in the world, valued at 2.2 cents each.

You can get tons of value by redeeming your points on luxury travel through the Amex transfer partners.

For other redemptions, you won’t get great value, but these include Shop with Points at Amazon, cash-back, gift cards, charity, statement credits, and Pay With Points travel bookings via AmexTravel.com.

The 4 Best Business Credit Cards for Healthcare Expenses

If medical expenses or dental work are deductible business expenses for your situation, then you’ll want to pay attention to this next list of the best business credit cards for medical and dental expenses.

Card Summary

SCROLL FOR MORE

Card	Welcome Bonus and Annual Fee	Benefits for Healthcare Expenses
The Blue Business^® Plus Credit Card from American Express	Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Annual fee of $0 (rates & fees)	2x points, up to a maximum of $50,000 per year
Ink Business Unlimited^® Credit Card	Earn $750 cash back after spending $6,000 in the first 3 months. Annual fee of $0	1.5% cash-back 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Capital One Spark Miles for Business	Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months. Annual fee of $0 intro for the first year, $95 after that	2x miles
The Business Platinum Card^® from American Express	Earn 120,000 points after you spend $15,000 on purchases in the first 3 months. Annual fee of $695 (rates & fees)	1.5x points on purchases of $5,000 or more (up to $2 million in purchases per calendar year)

The Blue Business^® Plus Credit Card from American Express

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome OfferEarn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points

UP's Bonus Valuation*:
$330

Annual Fee

No annual fee

APR

18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Good to Excellent (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros

2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost

Cons

No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status
Charges foreign transaction fees

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X Membership Rewards^® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
No Annual Fee
Terms Apply

Financial Snapshot

APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is easily one of the best business credit cards for rewards.

The card offers 2x Amex Membership Rewards points per dollar spent on everyday business purchases, up to a maximum of $50,000 per year. Upon hitting the maximum spend, you earn a straightforward 1x thereafter, so we generally recommend using this card for your first $50,000 in general business purchases.

It also comes with an introductory 0% APR perk you can use to defer interest fees on any balances. As with all intro APR offers, the regular APR, as shown in the table above, will apply after the introductory period (rates & fees).

This card also gets you access to benefits like purchase protection, extended warranty, Membership Rewards, and employee cards at no additional cost (see rates & fees).

Ink Business Unlimited^® Credit Card

U.P. Rating

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome OfferEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750

UP's Bonus Valuation*:
$750

Annual Fee

APR

0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Credit Recommended

Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros

1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
Earn flexible rewards

Cons

3% foreign transaction fee

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

The Ink Business Unlimited card offers a similar earning structure on everyday business purchases.

The difference is that this card comes with a huge welcome bonus, in addition to benefits like a 0% introductory APR on purchases. After the introductory period the regular APR, as indicated above, will apply.

On all business purchases, the Ink Business Unlimited card boasts 1.5% cash-back.

These rewards can be converted to Ultimate Rewards points with an Ultimate Rewards card like the Ink Business Preferred card, doubling your return on spending to approximately 3%.

Furthermore, you can add unlimited employee cards with no additional fees, enjoy primary rental car insurance, extended warranty, purchase protection, zero liability fraud coverage, and more.

Capital One Spark Miles for Business

U.P. Rating

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

Capital One Spark Miles for Business

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

Welcome OfferEarn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles

UP's Bonus Valuation*:
$900

Annual Fee

$0 intro for the first year, $95 after that

APR

26.24% (Variable)

Credit Recommended

Good to Excellent (670-850)

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

Pros

Unlimited 2x miles per $1 spent on all purchases
5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
2 complimentary visits to a Capital One Lounge per year
Up to a $100 Global Entry or TSA PreCheck credit
Access to Capital One transfer partners
No foreign transaction fees
Free employee cards
Extended warranty coverage

Cons

Annual fee: $0 intro for the first year, $95 after that

Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Skip the lines with up to a $100 statement credit on TSA PreCheck^® or Global Entry
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases

Financial Snapshot

APR: 26.24% (Variable)
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

The Capital One Spark Miles card is Capital One’s flagship business credit card.

Offering unlimited 2x Capital One miles per dollar spent on every purchase with no blackouts, seat restrictions, or minimum to redeem, there’s a lot to love about it.

You can even earn 5x miles on hotel and rental car bookings made through Capital One Travel.

Other perks on this card are the $100 Global Entry/TSA PreCheck application fee credit, no-cost employee cards, roadside assistance, extended warranty, purchase protection, and no foreign transaction fees.

The Business Platinum Card^® from American Express

OUR BEST OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome OfferEarn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points

UP's Bonus Valuation*:
$2,640

Annual Fee

$695

APR

19.49% - 28.49% Variable

Credit Recommended

Good to Excellent (670-850)

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Up to $200 annual airline fee credit on your selected qualifying airline
Statement credits on select purchases with your card
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Global Entry or TSA PreCheck application fee credit
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Access to Amex’s Fine Hotels & Resorts program

Cons

High annual fee of $695 (rates and fees)
Airline fee credit does not cover airfare, only incidentals like checked bags

Welcome Offer: Earn 120,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards^® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR^® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card^®.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 19.49% - 28.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

The Amex Business Platinum card rounds out our best business cards for medical and dental expenses, and you should absolutely consider holding this card if you’re a business owner.

You’ll earn 5x on flights and prepaid hotels booked via AmexTravel.com and earn 1.5x on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).

That means if you have a $7,000 medical or dental procedure, you can earn 1.5x Amex points, worth a return on spending of 3.3%!

You’ll also find a series of travel perks, including access to the American Express Global Lounge Collection, up to $200 in airline fee credits per calendar year, up to $189 CLEAR Plus credit per year, up to $400 in statement credits for U.S. purchases with Dell (split into 2 semi-annual credits of $200 each), access to the famed Fine Hotels & Resorts program, hotel and rental car elite status upon enrollment, a 35% Pay With Points rebate on flights booked through AmexTravel.com (up to 1,000,000 bonus points per calendar year), a Global Entry/TSA PreCheck application fee credit, and more.

And on an ongoing basis, make use of purchase protection, return protection, travel insurance, secondary rental car insurance, extended warranty, and integrations into QuickBooks.

Final Thoughts

If you have upcoming medical or dental work and are looking to earn rewards or cash-back for your expenses, we hope we’ve shed some light on some of the most worthwhile credit cards to use for your needs.

Whether you’re putting charges from the doctor’s office on a regular personal credit card or are planning to use a business card, we’ve shown you the top choices to help you make the most of points, rewards, and travel benefits!

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card^® from American Express, click here.
For rates and fees of The Blue Business^® Plus Credit Card from American Express, click here.
For rates and fees of The Business Platinum Card^® from American Express, click here.

Featured Image Credit: BalanceFormCreative via Shutterstock

Frequently Asked Questions

Which credit cards are best for medical expenses or dental work?

In our opinion, the best personal credit cards for medical expenses or dental work are the Double Cash card, the Freedom Unlimited card, the Capital One Venture card, and the Amex Platinum card.

What are the best business credit cards for medical expenses or dental work?

The best business credit cards to pay for medical expenses or dental work are the Amex Blue Business Plus card, the Ink Business Unlimited card, the Capital One Spark Miles card, and the Amex Business Platinum card.

What is the best way to pay for medical or dental procedures?

The best way to pay for medical or dental procedures is by using a card that gets you the best rewards or cash-back.

Some of the best personal cards are the Double Cash card, the Freedom Unlimited card, the Capital One Venture card, and the Amex Platinum card, while some of the best business cards are the Amex Blue Business Plus card, the Ink Business Unlimited card, the Capital One Spark Miles card, and the Amex Business Platinum card.

What is a dental credit card?

A dental credit card is a charge card that has a balance you pay off. It functions a lot like a store card when you agree to finance a large purchase. You make regular payments and follow the terms outlined in the cardmember agreement.

Was this page helpful?

About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

INSIDERS ONLY: UP PULSE^™