Best Credit Cards for Plastic Surgery for 2024

Plastic surgery can be expensive, and many health insurance plans don't cover the costs. You could get a credit card with a 0% intro APR and pay off cosmetic surgery over time without interest charges. Regardless if your procedure is liposuction, tummy tuck, Botox, or fillers, you'll find plastic surgery credit cards on the list below to help you save money.

What is the best credit card for plastic surgery?

Depending on your financial situation, the best cosmetic surgery credit card could be either an intro 0% APR credit card or a rewards credit card.

With a 0% intro APR card:

• Pay it off over time at a low monthly payment amount instead of all at once. If you repay the balance by the end of the intro period, you won't be charged any interest.

With a rewards cards:

• Even if you have the money to pay for plastic surgery in full, you could still put it on a rewards card first. Plastic surgery is often costly, so it could help you earn a big chunk of rewards. Some of the best options earn 1.5% to 2% back on any type of purchase.

Now, there is some overlap between these two types of credit cards. Some cards offer a 0% intro APR and rewards on your purchases, so you could get the best of both worlds. However, it's still best to prioritize the feature that will save you the most money. Here's how to choose a credit card based on what you're looking for.

Wells Fargo Reflect® Card

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• This plastic surgery card is best for: Consumers who need as much time as possible to pay off plastic surgery costs. If you expect to spend over a year and a half paying off your balance, then this Wells Fargo card is an excellent choice.
• What makes the Wells Fargo Reflect® Card different from other cards on this list: This is the only card to offer the longest 0% intro APR on purchases and balance transfers.

Wells Fargo Active Cash® Card

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• This plastic surgery credit card is best for: Consumers who want to make the most of plastic surgery costs by using them to earn cash rewards.
  • For example, if you open this credit card and spend $10,000, you can earn $200 in cash rewards on the purchase, plus another $200 from the welcome offer, for $400 total.
• What makes the Wells Fargo Active Cash® Card different from other cards on this list: There's a nice welcome offer and it has the highest flat-rate cash rewards.

Discover it® Cash Back

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• This cosmetic surgery credit card is best for: Consumers who expect to spend a significant amount of money on plastic surgery procedures and other expenses. The Unlimited Cashback Match gives this card more rewards potential than most cards.
• What makes the Discover it® Cash Back different from other cards on this list: Discover automatically matches all the cash back new cardholders earn at the end of the first year. That, and rotating 5% cash back categories (activation required), can add up to quite a bit once you hit the quarterly spending cap.

Chase Freedom Unlimited®

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• This card is best for: Consumers who expect to have high spending on plastic surgery and other expenses over the next year. This Chase card is also a great choice for earning extra cash back on any medications and prescriptions you need, because it's one of few cards with drugstores as a bonus category.
• What makes the Chase Freedom Unlimited® different from other cosmetic surgery credit cards on this list: It earns bonus cash back at drugstores, with a rate of up to 3% and a special bonus rate of up to 4.5% the first year.

Bank of America® Customized Cash Rewards credit card

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• This plastic surgery card is best for: Consumers who want a quality cash back card that they can also use to pay off their plastic surgery costs over up to 15 billing cycles. After that, the go-to APR applies, which is 18.24% - 28.24% (Variable).
• What makes the Bank of America® Customized Cash Rewards credit card different from other cards on this list: It lets you choose a 3% back category every quarter, and the options are all broad categories (like, gas and EV charging stations, online shopping, dining, travel, drugstores and pharmacies, and home improvement/furnishings) where many people spend money quite often.

Choosing the best cosmetic surgery credit card

Look for cards with a 0% intro APR on purchases that will last as long as you need. For example, if it's going to take you 14 months to pay off your plastic surgery, consider cards with an intro period of 14 months or longer.

Calculate how much time you need to pay off your plastic surgery. Find out the total cost of the surgery and figure out how much you can pay toward it per month. Put those numbers into the debt repayment calculator below with a 0% interest rate to get your payoff timeline.

Compare bonus offers. Many rewards cards offer welcome bonuses, which are a large chunk of rewards for new cardholders. Most of these bonus offers only require that you spend a certain amount, which can be easy if you have an expensive cosmetic procedure to pay for. Make sure to compare bonus offers to see what kind of extra rewards you could collect upfront.

READ MORE: Best Sign-Up Bonus Credit Cards

Check the rewards rate. The rewards rate is the amount of rewards a card earns per purchase. Certain credit cards earn a flat rate, such as 1.5% to 2% back, across all spending categories. Others have bonus categories where they earn more back and a lower rate (normally 1%) on non-bonus spending.

Use rewards as the tiebreaker. If there are multiple credit cards that work for your plastic surgery financing, choose one based on the rewards offered. If there aren't any credit cards with a long enough intro period, go for the card with the longest 0% offer. The best types of credit card rewards are cash back and travel rewards. You may want to start by deciding whether you prefer easy-to-use cash back or credit card points you can redeem toward travel.

READ MORE: Best Cash Back Credit Cards

What credit score do I need for a credit card for plastic surgery?

You need a FICO® Score of 670 or higher to qualify for the best plastic surgery credit cards. This includes the most popular 0% intro APR cards and rewards cards, as they're designed for consumers with good to excellent credit.

You can get some credit cards with a lower credit score, but they don't have as many benefits. If you're working on increasing your credit score, you may be better off choosing a different type of plastic surgery financing.

Other ways to finance plastic surgery

In addition to credit cards, here are other good payment options to finance plastic surgery.

Payment plans with the clinic

Some plastic surgery clinics offer their own special financing options or have payment plan options available through a financing company. You can discuss options at the clinic during your consultation.

Some of the most common options are healthcare credit cards. Here are two popular choices that may be available with your plastic surgeon:

• CareCredit is a healthcare credit card intended for out-of-pocket medical expenses available at over 260,000 enrolled providers. It has short- and long-term financing options available.
• Alphaeon is a way to pay for procedures and services with plastic surgeons, dentists, dermatologists, and ophthalmologists. The Alphaeon Credit Card is offered by Comenity Bank, and like CareCredit, there is short- and long-term financing available.

Keep in mind that many zero-interest financing options, including the CareCredit Card and the Alphaeon Credit Card, are deferred interest. With this type of financing, you must pay off your balance by the end of the no-interest period, or you'll be charged interest going back to the purchase date.

LEARN MORE: What Is Deferred Interest?

Personal loan for cosmetic surgery

A personal loan can be a good way to pay for plastic surgery, as you'll have a fixed monthly payment. Interest rates depend on your credit score and the lender. It's best to shop around and compare rates from a few lenders.

COMPARE RATES: Best Personal Loan Lenders

Home equity loans or lines of credit

If you're a homeowner, borrowing against your home equity is a simple, low-interest financing option. You can either get a home equity loan, which is a one-time loan, or a home equity line of credit (also called a HELOC), which you can borrow from multiple times.

LEARN MORE: What Is a HELOC?

401(k) loans

If you have a 401(k), you can likely borrow against it at a low interest rate. Repayments are automatically taken from your paycheck.

There are a number of ways to finance plastic surgery, but a credit card is often the best option. And with a little research into the right credit card for your situation, you could get some great credit card rewards to offset the cost of your procedure.