Lending Club Patient Solutions Credit Account Review: Rewards, Fees & Benefits

Rewards

Category	Rate	Type	Cap
All Other Purchases This financing account does not offer a traditional rewards program, points, or cash back on purchases; it provides structured promotional financing options for healthcare and patient services instead.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Autopay Enrollment Set up automatic payments to ensure your bills are paid on time, helping you avoid late fees.	Account Management	Available
Online Account Management Conveniently manage your account online, including making payments, viewing statements, and updating information.	Account Management	Available
Paperless Statements Opt-in to receive your monthly statements electronically, reducing paper clutter and providing convenient online access.	Account Management	Available
No Annual Fee The credit card does not charge an annual fee.	Cost Savings	$0 Up to $0
Special Financing Options Access special financing options on qualifying purchases for healthcare procedures.	Financing	Varies by promotion

Interest Rates

Purchase APR31.99% Variable

Cash Advance APR31.99%

Penalty APR29.99%

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction Fee3%

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–700

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision Time1-3 days

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (MS) detected through unusual transaction patterns or high volume gift card purchases, high cumulative credit limit across all Amex products relative to reported income, frequent or large balance transfers without corresponding organic spend, abuse of return policies or credits, consistent late payments or returned payments, rapid increase in credit seeking behavior across multiple issuers, inconsistent financial information provided to Amex, and violation of Amex's terms of service.

Cliff Effect Rules

While the 'lending-club-patient-credit' card has its own lifetime bonus rule, American Express may introduce a 'Patient Credit' card family in 2026. If so, holding this card could restrict eligibility for welcome bonuses on other cards within that family (e.g., 'lending-club-patient-credit-premium'), and vice-versa, following Amex's typical family bonus restrictions.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Eligibility for the 'lending-club-patient-credit' card in 2026 includes: a good to excellent credit score (typically FICO 670+), no bankruptcies in the last 7 years, and sufficient income to support credit obligations. Applicants must not have held this specific card within the last 7 years to be eligible for a new application. The welcome bonus is subject to a 'one per card per lifetime' rule. American Express also enforces a '2/90 Rule', limiting applicants to a maximum of 2 credit card approvals every 90 days across all Amex credit products.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

The Servicemembers Civil Relief Act (SCRA) provides certain protections for servicemembers called to active duty. Servicemembers can contact Comenity Capital Bank to inquire about eligibility for these benefits.

Hardship Program

Hardship program available.

Lending Club Patient Solutions Credit Account