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CareCredit is a unique credit card used for health and wellness expenses, including those not covered by medical or vision insurance. Unlike traditional credit cards such as Visa or MasterCard, CareCredit offers special financing options that can make purchasing eyewear and other vision care services more affordable. With CareCredit, you can buy prescription glasses, designer frames, premium lenses, lens treatments, and even vision therapy, with the option to pay later in convenient monthly installments. Enjoy exclusive financing terms with 6- or 12-month special financing* on qualifying purchases.


CareCredit has many benefits for cardholders including:

  • CareCredit for glasses

    Care when you need it

Don't let out-of-pocket vision care expenses prevent you from getting the care you need. CareCredit makes it easier for you to manage those costs so you can receive an eye exam and prescription update whenever necessary.

  • Special financing for eyeglasses and eye exams

    Special financing

Unlike traditional credit cards, CareCredit is a specialized credit card that can be used for healthcare expenses. It provides a financing option to pay for medical procedures or treatments over a set period of time, without accruing interest if the balance is paid off before the promotional period ends.

  • CareCredit special financing

    Easy to use

Applying for a CareCredit card is easy and can be done online or over the phone. You can receive an instant decision regarding approval. Plus, there are no activation or annual fees to worry about. Once approved, you can continue using your CareCredit card for a variety of health and wellness expenses without having to re-apply. With over 200,000 enrolled providers across the country, you can use CareCredit to pay for a wide range of health and wellness services.

CareCredit with Heartland Vision terms

ZERO interest if paid in full in 6 or 12 months.*

Qualifying purchases made with your CareCredit credit card account may be eligible for 0% interest if paid in full within 6 or 12 months. The 6-month offer is available for purchases of $200 to $499, while the 12-month offer is available for purchases of $500 or more. If the promotional purchase is not paid in full within the promotional period, interest will be charged from the purchase date. Minimum monthly payments are necessary, and they may or may not cover the full purchase amount before the end of the promotional period.

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Everyone deserves proper eye care. All 26 of our locations provide quality care for any patient, with or without vision insurance. Contact us to learn more about our payment options.

  • CareCredit special financing

    CareCredit for eye exams

At any Heartland Vision location, you have the option to use CareCredit for payment when getting an eye exam. Our skilled optometrists conduct thorough eye examinations for patients of all ages, which include a vision testing and an assessment of your eye health. These exams go beyond writing prescriptions for corrective lenses and serve as an essential part of preventive healthcare. At Heartland Vision, your entire exam will be conducted by an experienced eye doctor, rather than a technician.

  • CareCredit special financing

    CareCredit for eyeglasses

You can use CareCredit to pay for a variety of eyeglasses-related expenses, including the full cost of frames, insurance deductibles, and additional costs beyond your vision benefits. With CareCredit's special financing options for eyeglasses, you can choose from a range of designer frames and lens treatments to enhance your vision. This means you can update your prescription, select multiple pairs of glasses, and pay for everything over time with flexible payment plans. Make the most of your annual visit to the optometrist with CareCredit.

  • CareCredit special financing

    Buy glasses online with CareCredit

Using your CareCredit card, you can easily purchase eyeglasses and sunglasses online from our exclusive COR Eyewear collection. Our collection features hand-picked frames and premium ZEISS optical lenses, which are hand-finished at our lens lab. When you use CareCredit for glasses online, the process is as simple as using any other credit card.

  • CareCredit special financing

    CareCredit for Contacts

Heartland Vision offers the option to pay for contact lenses with CareCredit, whether it's in-store or online. By utilizing your contact lens prescription, you can easily order online and take advantage of fast and free shipping for any orders totaling $99 or more. Our selection of contact lenses, including colored ones, come at a competitive price and we also offer a convenient subscription service.

With CareCredit, you have the ability to purchase a year's supply of contact lenses at once and eliminate the hassle of remembering to reorder. As long as you pay off the balance within the promotional period, you won't incur any interest charges. Additionally, CareCredit can be used for contact lens eye exams and fittings at Heartland Vision. Our eye doctors are always available to answer any questions, whether you're new to wearing contact lenses or have been using them for years.

  • CareCredit special financing

    Can I use CareCredit for sunglasses?

Absolutely! At all Heartland Vision locations, CareCredit can be used to purchase both prescription and Plano (regular, non-corrective) sunglasses. Our selection of sunglass frames is extensive, offering options for men, women, and children, ranging from designer labels to affordable choices. A variety of sunglass lens colors and tints are available, including multiple mirrored options. Additionally, we offer sunglass lens treatments such as polarization and anti-scratch.

With CareCredit's special financing options, you can finally obtain the prescription sunglasses you've always desired, as well as a new pair of eyeglasses for daily use.

  • CareCredit special financing

    CareCredit for specialty eyewear

You can use CareCredit to pay for specialty prescription eyewear costs that may not be covered by vision insurance including:

  • CareCredit for safety glassesSafety eyewear
  • CareCredit for sports glassesSports glasses
  • CareCredit for driving glassesDriving glasses
  • CareCredit for computer glassesComputer glasses
  • CareCredit for blue light glassesBlue light blocking lenses
  • CareCredit for progressive lensesProgressive lenses

With CareCredit you’re not limited to the options and allowances in your vision plan. Get the eyewear you really need when you need it, and enjoy special financing for 6 or 12 months* on qualifying purchases.

CareCredit with HSAs & FSAs

A large number of patients have healthcare plans that include either a health savings account (HSA) or a flexible spending account (FSA). In cases where healthcare expenses exceed the available funds in either of these accounts, CareCredit can be utilized to cover the remaining balance. With this option, you can now comfortably afford premium lenses or designer frames that you may have been eyeing without worrying about stretching your budget too thin.

Can you use CareCredit with insurance?

Yes. Whether you prefer to visit us in-person or reach out to us remotely, our Heartland Vision team is always happy to conduct an insurance check on your behalf. This helps ensure you have a clear understanding of what is covered by your insurance. For any eyewear or eye care expenses that are not covered by your insurance, CareCredit can be used for financing.

Our experienced eye doctors accept most major types of vision insurance, such as VSP, EyeMed, Cigna, Davis Vision, and several others, to ensure that we can meet the needs of as many patients as possible.

Insurance Plans

We also have competitive pricing and special offers on eye exams and glasses, making it easy for our patients without insurance to get affordable vision care and eyewear.

Eyeglasses financing in Indiana

Apply for

To get started, apply for CareCredit online now. If you have questions about using CareCredit at Heartland Vision, please contact the location nearest you.

Apply for Financing

*No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the 6 or 12-month promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date. Any discount will reduce your total purchase amount and may result in you not satisfying the minimum qualifying purchase amount required. Regular account terms apply to non-promotional purchases and, after the promotion ends, to promotional balance. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval.

** For new accounts: Purchase APR is 26.99%; Minimum interest charge is $2.00.

Frequently Asked Questions

What is CareCredit?

CareCredit is a credit card for health and wellness expenses. CareCredit, which offers competitive financing options, can be used to cover out-of-pocket costs not covered by vision insurance, and it lets you follow a 'buy now, pay later' model for eye care and eyewear.

Does Heartland Vision accept CareCredit?

Yes. All Heartland Vision locations accept CareCredit for vision care including eye exams, eyeglasses, contact lenses and more.

What are the benefits of CareCredit?

CareCredit offers special financing different from traditional credit cards, so you can get care when you need it and pay for your care flexibly. CareCredit has no activation or annual fee. 

How do I pay with CareCredit?

Schedule an appointment or walk into any Heartland Vision location - you can use your CareCredit card to pay for any eye care or eyewear expenses your eye insurance won't cover.

Can I use CareCredit with insurance?

Yes. Bring your insurance card or insurance documents with you to your appointment so we can check your coverage with you. You can use your CareCredit card to cover any remaining balances not covered by insurance.

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