Dental work is critical for your overall health, but certain treatments may be difficult to pay for entirely upfront. The average out of pocket for a root canal and crown can cost patients upwards of $1,000. Whether you're scheduling a root canal, getting braces for your teen, or finally investing in that smile makeover, the upfront, out-of-pocket cost may create some financial pressure. If you’ve found yourself Googling “best dental credit card,” you’re not alone.
In this article, we’ll walk you through what to look for in a dental credit card, compare a few popular options, and explain why the Healthcare Spending Card1 can be the smartest choice to cover your care.
Let’s face it: dental insurance doesn’t always cover everything. And even when it does, annual maximums and exclusions could apply. That’s where a credit card or financing options can step in—helping you pay upfront, avoid delaying care, and break payments into more manageable chunks.
But not all credit cards and financing options are created equal. Here’s what you should consider before applying for one.
While traditional credit cards and financing options can offer some relief, they weren’t built for healthcare expenses. Dental care is often high-cost and unexpected, and credit cards don’t offer much flexibility once interest kicks in.
Even specialized healthcare cards like CareCredit come with strings attached—deferred interest, strict repayment timelines, and limited acceptance outside of specific networks., strict repayment timelines, and limited acceptance outside of specific networks.
The Healthcare Spending Card was designed with one thing in mind: making it easier to pay for essential healthcare, including dental care, without piling on more debt.
Here’s how it stands out:
Don’t just take our word for it, read why Lane Health members love their Healthcare Spending Card:
"My daughter's orthodontist charges a $25 monthly fee for payments made on braces. Thanks to my Delta Dental insurance and the partnership with Lane Health, I was able to use my Healthcare Spending Card to pay the orthodontist in full and avoid fees completely. There are so many other things I can use that extra $300 for. YES!” - Michelle, Lane Health Member3
“I recently received my card and used it to pay for dental work I needed. No issues. Customer service was very responsive and quickly addressed a couple of questions I had when I contacted them. Excellent experience so far.” - Sebastien F, Lane Health Member 3
When you're in the dental chair, the last thing you want to worry about is how you’re going to pay. That’s why more people are turning to purpose-built solutions like the Healthcare Spending Card instead of falling into the trap of high-interest credit.
With 0% financing options2, no annual fee2 and a flexible, stress-free repayment model, it can be a smarter way to cover care, without compromising your budget or your health.
Ready to apply?
Skip the sky-high APRs and dental deferred interest debt traps. Apply for the Healthcare Spending Card today to get 0% financing options2 and a smarter way to pay for care.
* Subject to credit line approval.
1 Lane Health is a financial technology company, not a bank. The Healthcare Spending Card is issued by Lead Bank pursuant to a license from Visa USA Inc. Line of credit is issued by Lead Bank or LH Lending LLC NMLS #2552401, (nmlsconsumeraccess.org).
2 Lane Health does not charge interest on, or an annual fee for, the Healthcare Spending Card. “0% financing” pertains to repayment options that do not charge interest (0% interest) nor fees ($0 fees). Each Advance can be repaid in full, 4-month term or 12-month term (with a minimum $3 due each payment period). Transactions other than qualified hospital expenses (based on merchant category code) will be charged an origination fee of 5% and periodic finance fees. The location of the service provider is not determinative of whether a transaction is a qualified hospital expense. Rather, transactions made within or at a hospital (including but not limited to specialists, doctors, pharmacies, etcetera) are determined to be eligible by the associated MCC and not the location of the service provider in the hospital. New Advances, if eligible, can be repaid in full or over 4 installments with no origination or periodic finance fees. Late fees apply. You can review the fee table at https://lanehealth.com/hsc-lb-fees
3 The reviews were sourced from Trustpilot. The customers were not compensated for their feedback.