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11 Best Credit Cards & Loans for Plastic Surgery

Best Credit Cards Loans For Plastic Surgery

credit card advice

Anna Baluch
By: Anna Baluch
Posted: February 19, 2020
Advertiser Disclosure

Plastic surgery is more popular today than ever before. In fact, Americans opted for 17.7 million surgical and minimally-invasive cosmetic procedures in 2018, according to the American Society of Plastic Surgeons. But those nips and tucks don’t come cheap.

If you’d like to undergo a procedure, it’s a good idea to familiarize yourself with the best credit cards and loans for plastic surgery.

These financing options are ideal if you don’t have the cash on hand to pay for the procedure you desire to feel more confident in your own skin. Let’s dive deeper into the best credit cards and loans for plastic surgery.

Credit | Loans | FAQs

The Best Credit Cards for Plastic Surgery

While plastic surgery can help you look and feel your best, it’s not cheap. The average cost of a rhinoplasty or nose job, for example, is $5,350. This figure does not include anesthesia, operating room fees, and other related expenses.

Due to the high price tag that comes with plastic surgery, we chose to recommend credit cards with high credit limits, 0% financing offers, and signup bonuses.

0% Financing | Large Signup Bonuses

Best Cards for Plastic Surgery with 0% Financing

Credit cards can be a smart way to pay for plastic surgery. This is particularly true if they come with perks like cash back rewards, signup bonuses, and low or no interest offers. A credit card can also help you maintain or even build credit while you’re repaying your procedure.

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

With the Chase Freedom Unlimited® card, you can earn cash back on every purchase, including plastic surgery procedures. The card also offers a 0% intro APR for purchases for new cardholders.

In addition, you can score a signup bonus if you spend a certain amount of money in the first three months the account is open. There’s no annual fee and you can redeem your rewards any time you’d like.

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

You’ll get 1.5% cash back on your plastic surgery purchase with the Capital One Quicksilver Cash Rewards Credit Card. There are no limits on how much you can earn and your rewards won’t expire as long as your account remains open.

The Capital One Quicksilver Cash Rewards Credit Card also offers a one-time cash back bonus for meeting a spending threshold within three months from opening the account. An intro APR of 0% for 15 months on all purchases is another great perk.

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

The Capital One SavorOne Cash Rewards Credit Card offers unlimited cash back on dining and entertainment and 1% on all other purchases, including plastic surgery. You can also enjoy an APR of 0% for 15 months to help finance your procedure without interest.

The card also comes with a one-time cash bonus you can lock in if you spend a certain amount within the first three months you open it. You won’t pay an annual fee and your rewards will be valid for the life of your account.

4. Discover it® Cash Back

This card is currently not available.

0% Intro APR Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

If you use the Discover it® Cash Back to fund your plastic surgery, you’ll earn cash back rewards automatically. Use the card on other purchases in rotating categories you activate like groceries and gas to get bonus cash back up to the quarterly maximum. All other purchases will default to the standard cash back rate.

You can redeem your cash back at any time as rewards don’t expire.

0% INTRO APR RATING

★★★★★
4.6

OVERALL RATING

4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 10+ travel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

The Capital One VentureOne Rewards Credit Card will reward you on your plastic surgery purchase with miles. You can earn as many miles as you’d like and transfer them to over 12 travel loyalty programs. Once you meet a certain spending threshold within a set number of months from the account opening, you’ll receive a bonus you can put toward your travel purchases.

If you travel often for work or pleasure, the Capital One VentureOne Rewards Credit Card may be well worth it. There’s a promotional purchase APR of 0% for 12 months and no annual fee.

The Best Signup Bonus Cards for Plastic Surgery

A credit card signup bonus can reward you right away for paying for your procedure with a card. Fortunately, most signup bonuses are worth hundreds of dollars that you can put towards your surgery, travel, or other expenses.

In most cases, you have to spend a certain amount of money within three months to redeem them. Since plastic surgery is pricey, you should have no issues meeting this requirement.

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Redeem on travel—from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good

If you’re an avid traveler who wants plastic surgery, you’ll love the Capital One Venture Rewards Credit Card. After you spend a certain amount within three months from the day you open your account, you’ll earn bonus miles which you can redeem for travel expenses.

The card also offers 2X miles on every purchase, every day. Your miles won’t expire for the life of the account and there’s no limit to how many you can earn.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

Use the Chase Sapphire Preferred® Card to pay for your procedure and enjoy bonus points as long as you meet the spending threshold in the first three months from account opening. If you redeem them through Chase Ultimate Rewards, you’ll have a significant amount of cash to use on airfare, hotels, car rentals, and cruises.

In addition, the Chase Sapphire Preferred® Card offers 2X points on travel and dining as well as 1 point per dollar on all other purchases.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99%-20.99% Variable
$95
Good/Excellent

The Ink Business Preferred® Credit Card currently offers a large signup bonus if you spend a certain amount of money in the initial three months of opening your account. The card will also reward you with 3 points per $1 spent up to a certain amount on travel and select business categories each year.

You’ll also earn 1 point per $1 spent on all other purchases including plastic surgery procedures. You can redeem your points for cash back, travel, and gift cards.

The Best Loans for Plastic Surgery

In some instances, it’s better to use a loan than a credit card to pay for plastic surgery. If you wish to undergo a very expensive procedure, such as a mommy makeover that can cost anywhere between $10,000 and $20,000, a loan may make sense. Credit lines usually come with much lower limits.

In addition, a loan may be a good option if you have bad credit, as credit cards for bad credit typically offer lower limits. It’s highly unlikely that these limits will cover the cost of your entire procedure.

  • Loan amounts range from $500 to $35,000
  • All credit types welcome to apply
  • Lending partners in all 50 states
  • Loans can be used for anything
  • Fast online approval
  • Funding in as few as 24 hours
Overall Rating
★★★★
4.4

With PersonalLoans.com, you can secure a plastic surgery loan that ranges from $500 to $35,000. While you don’t need the best credit score to qualify, you must show that you’re a responsible borrower.

To do so, you’ll need to prove that you don’t have a history of late payments, overwhelming debts, or bankruptcies. Since PersonalLoans.com can get the funds to you in one business day, you won’t have to wait long to move forward with your procedure.

  • Loan amounts range from $500 to $5,000
  • Experienced provider established in 1998
  • Compare quotes from a network of lenders
  • Flexible credit requirements
  • Easy online application & 5-minute approval
  • Funding in as few as 24 hours
Overall Rating
★★★★★
4.6

Bad Credit Loans is designed to help people with bad credit meet their financial goals. You can use the site to connect to lenders that offer three- to 60-month loans ranging from $500 and $5,000.

As long as you have proof of regular employment or Social Security income, you can use the site to find a plastic surgery loan and get the cash you need the very next business day.

  • Loans from $500 to $10,000
  • All credit types accepted
  • Receive a loan decision in minutes
  • Get funds directly to your bank account
  • Use the loan for any purpose
Overall Rating
★★★★★
4.7

CashUSA.com offers loans of up to $10,000. After you fill out its online form, the site will inform you of lenders who are willing to work with you.

You can use CashUSA.com to fund your procedure if you earn at least $1,000 per month after taxes. The funds will be sent directly to your bank account so you can cover your surgery immediately.

Frequently Asked Questions: Plastic Surgery Financing

You may believe you can’t afford plastic surgery. After all, it can be difficult to come up with a large sum of money to pay for an elective procedure.

The good news is that you have many plastic surgery financing options at your disposal. They can help you feel confident and attractive in your personal and professional life.

What is the Best Financing for Plastic Surgery?

The best financing for plastic surgery depends on your unique lifestyle, budget, and preferences. If you want to earn rewards and pay back your procedure over time, a credit card may be a great option.

A credit card may also be a good fit if you know you’ll qualify for its signup bonus or be able to pay back your surgery within the 0% intro APR period.

Repayment of $5,000 Credit Card Balance w/ 0% APR Offer

Introductory offers providing 0% APR will revert to a higher APR at the end of the offer terms, so be sure to pay your surgery costs off before the card’s promotional period ends.

On the other hand, if you hope to pay for a very expensive procedure or don’t have the best credit, a loan may be the way to go. A loan can provide you with more money for your procedure and may have more flexible credit requirements than a credit card.

Before you decide how to finance your plastic surgery, take the time to consider the pros and cons of each option. Keep in mind that just because your friend put their plastic surgery on a credit card, doesn’t mean this is the best route for you.

Consider the cost of your procedure, your credit rating, monthly expenses, and future financial goals before you decide. Remember that plastic surgery is a costly investment that can negatively impact your finances for years to come unless you pay for it wisely.

What Credit Score Do You Need to Finance Plastic Surgery?

Your credit score plays an important part in determining the financing option you can get to pay for your procedure. When you do your research, you’ll find that credit cards typically have stricter credit requirements than loans. So, if you have good credit, you should be able to finance your surgery without any issues.

On the other hand, if you don’t have the best credit, a bad credit plastic surgery loan may be your only option. Bad Credit Loans, for example, can help you find a loan to pay for your procedure.

While you don’t need to have good credit to qualify for a loan with Bad Credit Loans, you will have to prove you have a regular income. You may then be able to secure the cash you need as soon as the next business day.

If your credit score is on the low end, but you want to put your surgery on a certain credit card, you may want to improve your credit and delay your procedure. Pay your bills on time, keep your credit balances low, and pay more than the monthly minimums.

Once you get your credit score to a good place, you’ll have a much higher chance of getting approved for a card.

Can You Pay for Plastic Surgery with a Credit Card?

If you don’t have thousands of dollars in cash available to pay for plastic surgery, a credit card can be a great alternative to finance your procedure when used responsibly. You’ll find countless credit cards with a simple search, so be sure to shop around and compare all your options.

Keep in mind that a credit card may not be a viable financing solution if you don’t have the best credit. Most credit cards do require that you meet a minimum credit score before they approve you. So, you may have to increase your credit score or take out a loan if you want to pay for your procedure with a card.

Average Credit Card Limits by Score

A credit card may not provide the credit limit you need to finance the total cost of your procedure if you have subprime credit.

For a simple, straightforward cash back card, the Chase Freedom Unlimited® is a solid choice. It can reward you with a cash back reward on your plastic surgery purchase and any other purchases you make. If you want to land a great signup bonus, the Chase Sapphire Preferred® or Capital One Venture Rewards Credit Card may be the way to go.

Are you an avid traveler? If so, opt for a card like the Capital One VentureOne Rewards Credit Card, which will give you miles you can use on airfare, hotels, car rentals, and more. Think about what’s important to you to find the best credit card for your unique situation.

Can I Get Financing for Plastic Surgery with Bad Credit?

If you have bad credit, you may wonder whether it’ll prevent you from undergoing the procedure you want. Fortunately, you can still obtain financing for plastic surgery with less-than-stellar credit.

The main downfall, however, is that you may not have as many options as someone with good credit. You’ll also be less likely to obtain a favorable interest rate and terms.

Avg Loan APRs

As long as you’re okay with these drawbacks, you can take out a loan to pay for your procedure. PersonalLoans.com is one loan marketplace that may lend you anywhere from $500 to $35,000.

You won’t have to show a stellar credit score, but you will have to prove that you’re responsible with money. The website will make sure you don’t have a history of late payments, overwhelming debts, or bankruptcies.

One of the greatest perks of PersonalLoans.com and similar websites such as BadCreditLoans.com and CashUSA.com is that you can access your funds quickly. This is great news if you hope to undergo your surgery sooner rather than later.

While you may be able to find a credit card that approves you, it will be a challenge to get one with a high enough spending limit to finance your procedure. So, if you have bad credit, a loan will likely be an easier, faster financing solution.

Do Plastic Surgeons Offer Payment Plans?

Plastic surgeons — just as other professionals — are in business to make money. They want you to move forward with your procedure, even if you don’t have the cash to pay for it.

Therefore, many plastic surgeons offer payment plans to make plastic surgery more affordable. The plastic surgeon you choose will determine the type of payment plan you may be able to take out.

The plans can usually be customized to meet your unique budget and lifestyle. Once the surgeon’s staff knows how much you can afford to pay each month and what type of plan you prefer, they will likely design a flexible solution.

If you don’t make your payments on time or at all, your surgeon may send your account to collections. This can take a serious toll on your credit score.

Also, if you fail to make timely payments, you may tarnish your relationship with your surgeon. If you plan to go to them for future procedures, this can be an issue.

To learn more about your surgeon’s payment plans, it’s a good idea to schedule an initial consultation in his or her office. You can also check to see if the surgeon’s website has more information about financing.

Plastic Surgery Can Be Affordable

There’s no denying that plastic surgery can change your life for the better. So, if you have a procedure in mind but don’t have the cash to pay for it, financing may be a good option.

With this list of the best credit cards and loans for plastic surgery, you can finally take the plunge and schedule your procedure. Best of luck in your journey to a happier, more confident you!

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