| Category | Rate | Type | Cap |
|---|---|---|---|
|
Smile Generation Dental Care
This is a closed-loop healthcare financing credit card designed primarily for dental promotional financing plans and does not earn ongoing transactional rewards, cash back, or points.
|
0x | Cash Back | No cap |
|
All Other Purchases
This card can only be used at participating Smile Generation dental practices for specialized treatment financing and cannot be used for everyday spending.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Credit Building via Bureau Reporting
The Smile Generation Financial Credit Card reports account activity and payment history to all three major credit bureaus (Equifax, Experian, and TransUnion), enabling cardholders to build or improve their credit profile through responsible use.
|
Financial | Reported to all 3 major credit bureaus |
|
Deferred Interest Financing — 12 Months
No interest if the promotional plan balance is paid in full within 12 months on qualifying purchases made at participating Smile Generation locations. If the balance is not paid in full within the promotional period, interest is charged from the purchase date at the standard purchase APR.
|
Financial | 0% deferred interest for 12 months |
|
Deferred Interest Financing — 18 Months
No interest if the promotional plan balance is paid in full within 18 months on qualifying purchases made at participating Smile Generation locations. If the balance is not paid in full within the promotional period, interest is charged from the purchase date at the standard purchase APR.
|
Financial | 0% deferred interest for 18 months |
|
Deferred Interest Financing — 24 Months
No interest if the promotional plan balance is paid in full within 24 months on qualifying purchases made at participating Smile Generation locations. If the balance is not paid in full within the promotional period, interest is charged from the purchase date at the standard purchase APR.
|
Financial | 0% deferred interest for 24 months |
|
Deferred Interest Financing — 6 Months
No interest if the promotional plan balance is paid in full within 6 months on qualifying purchases made at participating Smile Generation locations. If the balance is not paid in full within the promotional period, interest is charged from the purchase date at the standard purchase APR.
|
Financial | 0% deferred interest for 6 months |
|
Instant Prequalification via Soft Credit Check
Patients can complete a prequalification application at any Smile Generation-trusted office or online using a soft credit check with no impact to their credit score; all available financing options are presented instantly upon prequalification.
|
Financial | Soft-pull prequalification with no credit score impact |
|
Low APR Equal Payment Financing — 36 Months
Fixed low APR of 11.99% with equal monthly payments over 36 months on qualifying purchases at participating Smile Generation locations; after the promotional period, the standard purchase APR applies to any remaining balance.
|
Financial | 11.99% APR for 36 months |
|
Low APR Equal Payment Financing — 48 Months
Fixed low APR of 11.99% with equal monthly payments over 48 months on qualifying purchases at participating Smile Generation locations; after the promotional period, the standard purchase APR applies to any remaining balance.
|
Financial | 11.99% APR for 48 months |
|
Low APR Equal Payment Financing — 60 Months
Fixed low APR of 11.99% with equal monthly payments over 60 months on qualifying purchases at participating Smile Generation locations; after the promotional period, the standard purchase APR applies to any remaining balance.
|
Financial | 11.99% APR for 60 months |
|
No Annual Fee
The Smile Generation Financial Credit Card carries no annual fee, making it a no-cost-to-hold healthcare financing card for use at participating Smile Generation dental offices.
|
Financial |
$0 annual fee
Up to $0
|
|
Online Account Management
Cardholders can manage their account, review statements, make payments, and enroll in paperless billing at any time through the online account center at comenity.net/smilegeneration.
|
Financial | Complimentary 24/7 online account access |
|
Paperless Statement Fee Waiver
Cardholders can enroll in paperless statements to avoid the Paper Statement Fee of $2.99 per month (up to $35.88 per year), which is charged when a paper billing statement is mailed and the account balance exceeds $3.50.
|
Financial |
Avoids up to $35.88/year in paper statement fees
Up to $36
|
|
Waived Interest Financing — 12 Months
No interest for 12 months on qualifying purchases at participating Smile Generation locations; after the promotional period ends, the standard purchase APR applies to any remaining balance. Unlike deferred interest plans, interest does not accrue during the promotional period.
|
Financial | 0% waived interest for 12 months |
|
Waived Interest Financing — 18 Months
No interest for 18 months on qualifying purchases at participating Smile Generation locations; after the promotional period ends, the standard purchase APR applies to any remaining balance. Unlike deferred interest plans, interest does not accrue during the promotional period.
|
Financial | 0% waived interest for 18 months |
|
Waived Interest Financing — 24 Months
No interest for 24 months on qualifying purchases at participating Smile Generation locations; after the promotional period ends, the standard purchase APR applies to any remaining balance. Unlike deferred interest plans, interest does not accrue during the promotional period.
|
Financial | 0% waived interest for 24 months |
|
Waived Interest Financing — 6 Months
No interest for 6 months on qualifying purchases at participating Smile Generation locations; after the promotional period ends, the standard purchase APR applies to any remaining balance. Unlike deferred interest plans, interest does not accrue during the promotional period.
|
Financial | 0% waived interest for 6 months |
|
Accepted at 950+ Smile Generation Dental Offices
The card is accepted at the network of more than 950 Smile Generation-trusted dental offices across the United States, covering a broad range of dental procedures including general, restorative, and specialty care.
|
Lifestyle | Nationwide dental office network access |
|
Use With or Without Dental Insurance
The card can be used to finance dental care at participating Smile Generation-trusted offices regardless of whether the cardholder has dental insurance, enabling access to dental treatment for uninsured or underinsured patients.
|
Lifestyle | Complimentary |
|
Zero Liability Fraud Protection
As a Comenity Capital Bank-issued account, cardholders are protected against unauthorized charges; cardholders must immediately notify the bank if the card is lost, stolen, or used without authorization.
|
Security | Zero liability on unauthorized charges |
