Is Smiles Generation Credit Cards worth it Dental Needs?

Ah, the elusive smile. A symbol of confidence, health, and well-being. But maintaining that smile can sometimes come at a cost, especially when dental procedures are involved. That’s where the Smiles Generation Credit Card steps in, promising financial assistance for your dental needs. But is it truly worth it? Let’s delve into the details and see if this card can make your smile shine brighter, or leave you feeling financially strained.

Smiles Generation Credit Card

Interest Rates of Smile Generation Credit Card:

The Smiles Generation Credit Card boasts a variety of interest rates depending on the promotional period and your creditworthiness. Here’s a breakdown:

0% APR for 6 months:

This introductory offer is undoubtedly enticing, allowing you to finance larger procedures without accruing immediate interest. However, remember, this is a deferred interest offer. If you don’t pay off the entire balance within the 6-month period, the interest accrued during that time will be applied retroactively, potentially negating the initial benefit.

14.99% – 29.99% APR after the promotional period:

Once the grace period ends, the interest rate jumps significantly. This can be a hefty burden if you’re carrying a large balance, so careful budgeting and timely payments are crucial.


Dental Financing:

Flexible payment options:

Choose from various repayment plans to suit your budget, from shorter terms with higher payments to longer terms with smaller installments.

No prepayment penalties:

Pay off your balance early without incurring additional fees, offering flexibility in managing your finances.

Up to $25,000 credit limit (Surge® Platinum Mastercard®):

Access sufficient financing for major procedures without worrying about exceeding your limit.

Dental Benefits of Smiles Generation Credit cards:

dental benefits of smiles generation credit cards

Discounts at select providers:

Get 5% – 15% off dental services at participating Smile Generation Trusted Offices and potentially save significantly on your treatment.

No annual fees:

Unlike some traditional credit cards, you won’t be charged any annual fees for using the Smiles Generation card.

Credit score improvement potential:

Responsible usage and timely payments can help build your credit score, benefiting your overall financial health.

Convenience and confidence:

Eliminate the stress of upfront costs and pay for your dental needs comfortably over time, allowing you to focus on achieving a healthy smile.

Toll-free customer assistance:

Dedicated customer support is available to answer any questions you may have about your account or dental care options.



Pros and Cons Of Smile Generation Credit Card:

Feature Smile Generation Credit Card Other Dental Financing Options (e.g., Dental Insurance, Personal Loans)
Focused on dental needs: Offers financing and benefits specifically tailored for dental procedures. May not cover all healthcare needs, requiring additional insurance or financing.
Flexible payment options: Choose from various repayment plans to fit your budget. Loan options might have fixed monthly payments, potentially inflexible for changing circumstances.
0% introductory APR: Enjoy a grace period on interest for larger procedures. Some dental insurance plans have waiting periods before coverage kicks in.
No prepayment penalties: Pay off your balance early without additional fees. Early repayment of loans might have prepayment penalties.
Discounts at select providers: Get 5-15% off at Smile Generation Trusted Offices. May not offer discounts at your preferred dentist.
Credit score improvement potential: Responsible usage can help build your credit score. Not all financing options directly impact credit scores.
Limited network: Can only be used at Smile Generation Trusted Offices. Dental insurance or loans offer wider acceptance at various providers.
Potentially high APRs after intro period: Regular APRs can be higher than traditional credit cards or loans. Fixed interest rates for loans can be predictable but potentially higher than intro APRs.
Credit score requirement: Eligibility depends on your creditworthiness, potentially excluding some applicants. Dental insurance or loans may have less stringent credit requirements.
Interest accrues during intro period: If not paid off within 6 months, interest applies retroactively, potentially negating the initial benefit. Loan interest accrues from the start, but can be predictable with fixed rates.
Not a traditional credit card: Cannot be used for non-dental expenses. Can be used for various purchases beyond dental care.

Alternatives Of Smile Generation Credit Cards:

Exploring alternative financing options:

Dental insurance, CareCredit, or personal loans might offer more favorable terms depending on your situation.

Prioritizing preventative care:

Regular checkups and cleanings can save you money in the long run by preventing costly procedures.


Smile Generation Credit Card vs. Other Credit Cards for Dental Care:

Feature Smile Generation Credit Card CareCredit LendingClub Patient Financing Traditional Credit Cards
Primary Focus Dental care financing Medical and dental financing Medical and dental financing General purchases
APR Range 0% – 24.99% (varies based on promotional offers and creditworthiness) 5.9% – 25.9% Not available Varies greatly (typically 12% – 25%)
Annual Fees None None None Varies greatly (often $0 – $95+)
Savings for Dental Needs 0% interest financing for up to 18 months on $500+ purchases 5% – 10% discounts on select dental procedures 0% interest financing for up to 12 months on $200+ purchases Varies depending on rewards program (may offer cash back or points redeemable for dental care)
Flexibility Use with or without dental insurance Use with or without medical or dental insurance Use with or without medical or dental insurance Can be used for any purchase
Minimum Monthly Payments Convenient and manageable Flexible Flexible Varies depending on card and creditworthiness
Special Promotions and Discounts Yes, for Preferred Customers Yes No Varies depending on card and issuer
Credit Score Requirement Varies Good or excellent credit typically required Good or excellent credit typically required Varies depending on card
Application Process Easy online application Easy online application Easy online application Varies depending on card
Customer Support Toll-free customer assistance Dedicated customer support team Dedicated customer support team Varies depending on card

Additional Considerations:

Smile Generation Credit Card:

Offers exclusive dental care financing options and promotions, but may have higher APRs for non-promotional periods.


Widely accepted by dental and medical providers, offers flexible financing but may require good or excellent credit.

LendingClub Patient Financing:

Limited network of providers, but offers competitive interest rates for qualified borrowers.

Traditional Credit Cards:

Can offer rewards or cash back on dental care purchases, but may have higher APRs and annual fees.

Where To Use Smile Generation Credit Card?

While Smiles Generation doesn’t publicly release specific locations due to competitive reasons, I can share some popular dental chains and groups that are likely part of their network, offering potential discounts on your Smile Generation Credit Card:

National Chains:

Aspen Dental:

With over 800 locations across the US, Aspen Dental is a major player in the dental care industry and offers a variety of services including root canals, crowns, and dentures.

Bright Now Dental:

Boasting over 200 locations nationwide, Bright Now Dental focuses on family dentistry and offers convenient appointment scheduling and financing options.

Planet Dental:

Operating in 11 states, Planet Dental prioritizes affordable dental care and features experienced dentists and modern technology.


Regional Chains:


This network of dental practices operates primarily in the Northeast and Midwest, providing quality care at competitive prices.

Monarch Dental:

With a strong presence in the South and Midwest, Monarch Dental offers a range of services and emphasizes patient comfort.

Affordable Dentures:

As the name suggests, this chain specializes in affordable dentures and other dental prosthetics, making them a potential option for those seeking budget-friendly solutions.

Independent Practices:

While not all independent practices are part of the Smiles Generation network, some may accept the card due to its popularity and benefits. It’s always best to call your dentist directly to confirm acceptance and potential discounts.

Additional Tips:

  • Check the Smiles Generation website for a more comprehensive list of participating providers in your area.
  • Use the Smiles Generation app to search for nearby providers and view their discount rates.
  • Ask your dentist about other available financing options, especially if your specific procedure isn’t covered by the Smiles Generation network.

Remember, even if your dentist isn’t listed as a Smile Generation Trusted Office, they may still offer discounts or financing options. Don’t hesitate to ask and compare prices before making a decision.

By exploring these options and utilizing your Smile Generation Credit Card effectively, you can access quality dental care at a more affordable price.

How do You contact Smiles Generation credit cards for payment?

There are several ways to contact Smile Generation Payment:


  • Customer Service: 1-877-287-8879 (TDD/TTY: 1-888-819-1918)
  • Account Assure: 1-877-244-3543 (Mon-Fri, 8:00 AM – 5:00 PM PST)


  • Secure Message Center: Login to your online account and send a secure message to customer service.
  • Help Center: Search their website for answers to frequently asked questions about payments, account management, and more.


  • Smiles Generation Financial
  • P.O. Box 157007
  • Salt Lake City, UT 84115-7007

Additional Resources:

Tips for contacting Smile Generation Payment:

  • When calling customer service, be prepared with your account number and any relevant information about your inquiry.
  • If you are unable to reach a representative by phone, try sending a secure message through your online account.
  • Keep a record of your communication with Smile Generation Payment, including dates, times, and names of representatives you spoke with.

Credit Score Required to Get a Smile Credit Card?

he specific credit score required for a Smile Generation Credit Card varies depending on the card type you’re applying for:

Surge® Platinum Mastercard®:

  • Requires good credit, typically a score of 670 or above.

FIT™ Platinum Mastercard®:

  • Requires average credit, typically a score of 580-669.

Reflex® Platinum Mastercard®:

  • Requires limited credit, typically a score of 500-579.

Destiny Mastercard®:

  • Designed for individuals with past credit challenges, requires a score of 450 or above.

However, it’s important to remember that these are just general guidelines. Your actual approval odds and potential interest rate will ultimately be determined by a variety of factors, including your credit score, income, debt-to-income ratio, and credit history.

Conclusion: A Calculated Smile

The Smiles Generation Credit Card can be a valuable tool for financing dental care, especially if you take advantage of the introductory offer and manage your finances responsibly. However, it’s important to be aware of the potential drawbacks, like high-interest rates and the risk of overspending. By carefully weighing the pros and cons, you can make an informed decision and ensure your smile shines not just from good health but also from sound financial management.