CareCredit Mobile vs Scratch Plans
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CareCredit Mobile
Manage your CareCredit credit card on the go. Access your digital card, pay bills, find providers, and track your account details. Stay informed with custom notifications and helpful resources.
- Digital card access
- Bill payment
- Provider search
- Account management
- Custom notifications
- Secure login
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Now there's a simple, convenient way to manage and use your CareCredit credit card. With the CareCredit Mobile App, you can access your digital card, pay your bill, find enrolled providers and retail locations that accept CareCredit, set alerts and pay bills from participating doctors and healthcare providers in the network. With a new, vibrant and simple design, the CareCredit Mobile app offers features such as: Easy Set-Up and Login Access • Securely log into your CareCredit account with your username and password then enable Touch ID® or Face ID® (on supported devices) to make logging into the app even more convenient. If you’ve never accessed your account online; tap, “I’ve never logged in before” to get started. • Looking for help or information about the app? Simply tap the "?" icon at the top right of the login screen to access contact information, login assistance, and FAQs at any time. Secure Digital Card Access • Your CareCredit credit card is preloaded when you log in. Just access the Summary and swipe down to view your digital card. • Your CareCredit digital card can be used for purchases within the network of enrolled providers. Convenient Account Management • View your CareCredit statements and manage your statement delivery preferences 24/7. • Make monthly payments to your CareCredit account. • Always know where your account stands. Check your balance and credit limit anytime, anywhere. • View your promotional purchase details, transaction & payment history. • Make payments directly to your doctor or healthcare provider with CareCredit. Find a Location • Search for providers, partners, and retail locations that accept the CareCredit credit card. • Save and quickly access your favorite locations. • Use the map view to explore nearby CareCredit Network locations and get directions. Stay Informed • Set custom notifications to remind you about payments and changes to your account. • Access to helpful information, cardholder resources, and tips for using credit wisely in the Knowledge Center. Learn More: https://www.carecredit.com/app
Scratch Plans
Access flexible payment plans for medical expenses with low APR and no hidden fees. Manage your loans, set up autopay, and reapply for new plans easily. Find practices that accept these convenient financing options.
- Low APR payment plans
- No prepayment penalties or hidden charges
- Credit score unaffected by rate checks
- 1-click autopay enrollment
- In-app loan management
- Reapply for new plans
- Find participating practices
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Scratchpay payment plans start as low as 0% APR, and have no prepayment penalties, hidden charges or deferred interest. Checking your rates & accepting plans will never impact your credit score. With Scratchpay, you can easily make payments, get 1-click access to autopay, keep track of all loan statements, update account information, reapply for new plans directly in-app and much more! Convenient Login. Current borrowers can easily log into their Scratchpay account. Make & Monitor Loan Payments From Anywhere. Log in to securely make loan payments in a couple clicks. Track status of upcoming payments to stay up to date. Secure, 1-click Autopay Enrollment. Securely turn autopay on or off with a click of a button to make paying your Scratchpay bills even simpler. Reapply for New Plans In-app. Need a new loan? Whether you have an upcoming dental cleaning, prescription refill for your pet, eye appointment or an unexpected emergency, Scratchpay makes reapplying for a new plan more convenient than ever. Find Practices Offering Scratchpay. See which medical practices near you offer Scratchpay payment plans. We’re currently offered in veterinary, dental, orthodontic, vision, lasik, chiropractic care, physical therapy, cosmetic surgery, weight loss, primary care, fertility, dermatology, and more! Easily Update Account Information. Add a new payment method, update your billing address and other account details directly in our app. Why Scratchpay? Payment plans starting as low as 0% APR No hard credit checks or hidden fees Higher loan approval rates Available at 11,000 medical practices! Easy, 2-minute application with instant approval decision Checking rates & accepting plans never impacts your credit score Scratchpay: Simple, convenient, secure. Care now, pay later with Scratchpay! Learn more at www.scratchpay.com
Screenshots
Verdict
The clearest difference is review sentiment: CareCredit Mobile at 78% against Scratch Plans's 34%. CareCredit Mobile also leads on rating (4.8 vs 2.9) and ratings volume (66K vs 51). Scratch Plans's advantage is iOS requirement (15.0 vs 17.0). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
CareCredit Mobile holds the better App Store score, 4.8 against 2.9. That said, the two scores are not equally well evidenced: CareCredit Mobile has 66K ratings behind it against 51, so its average is the more settled of the two. Written reviews point the same way: 78% of CareCredit Mobile's written reviews are positive against 34% of Scratch Plans's.
CareCredit Mobile ships an update every 5 weeks, Scratch Plans every 5 months. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.
| Parameter | CareCredit Mobile | Scratch Plans |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (66K ratings) — better | 2.9 (51 ratings) |
| Positive reviews | 78.1% of reviews — better | 34.5% of reviews |
| Number of ratings | 66K — better | 51 |
| Update frequency | Every 5 weeks — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Best chart rank | #96 — better | — |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 152 MB | 28 MB |
| Age rating | 4+ | 12+ |
| Developer | Synchrony Financial | Scratch Financial |
Customer experience
CareCredit Mobile
Scratch Plans
Bugs and requests
CareCredit Mobile
Reported bugs
3 issues- App not compatible with older iOS versions
- Recurring issues with login and authentication
- Inconsistent account balance updates
Requested features
4 requests- Allow users to choose payment allocation
- Improve notification settings and reduce spam
- Add dispute/chargeback functionality in the app
- Provide better communication around policy changes
Scratch Plans
Not enough reviews yet to summarise bugs or requests.
In-app purchases
CareCredit Mobile
No in-app purchases
Scratch Plans
No in-app purchases
Questions
Is CareCredit Mobile free?
Is Scratch Plans free?
Which has better reviews, CareCredit Mobile or Scratch Plans?
Do CareCredit Mobile or Scratch Plans have ads?
Which is updated more often, CareCredit Mobile or Scratch Plans?
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