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The Essential  Card


The only business credit card that rewards heroes like you for providing quality healthcare.



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Free OSHA Training & Certification


Free HIPAA Training & Certification



Primary distributors include: Medical Supplies, Pharmaceuticals, Office Supplies, Janitorial Supplies

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  • Health Care Practices

  • Surgery Centers

  • Long Term Care Facilities

  • Rehab Clinics/Centers

  • Acute/Urgent Care Clinics

  • Doctor’s Offices

Who's it for


run a licensed healthcare facility

typically incur business expenses

want discounts on your purchases

would like incredible rewards

Did you check any of the boxes? If so, the Essential Card is your prescription for a healthier practice….

Are you paying to provide care?

Most health care practices accounts receivables are frequently delayed. This means that you are paying interest on your credit card balance while you wait to get paid. THAT’S CRAZY! Why should your cash flow pay for the privilege of taking care of your patients? It’s time to flip the script… 

Medical Professional


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Stock-up on supplies and get volume discounts when you purchase larger amounts of consumables or disposables. Then, take up to 3 billing cycles to pay your bill without incurring any interest charges or financing fees. This incredible benefit is automatically applied to purchases of at least $1500.





Annual Rewards³

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  • $500 in branded products

  • $1,000 in travel rewards

  • $5,600 in new car rebates

  • $8,000 in online marketing

  • Is there an annual fee?
    The Essential Card™ has no annual fee.¹ Apply for the card and enjoy your exclusive rewards.
  • Can anyone apply for the Essential Card™?
    The Essential Card™ is available exclusively to licensed healthcare providers and facilities.
  • I am a health care provider. How do I apply?
    If you are a health care provider, you can take advantage of all the Essential Card™ features by joining the Essential Rewards™ program and applying for the card. To get started, click on the "Learn More" or "Apply Now" link.
  • How long is the interest-free period?
    You will enjoy Special 0% APR¹ Interest-free financing for 3 billing cycles on every purchase of $1500 or more.* Now, you can get reimbursed for your services before payments are due, enabling you to optimize your cash flow.
  • What is the beWell Network?
    The beWell Network is a health rewards network that encourages patients to achieve specific health and wellness goals. Both patients and their health care providers receive rewards for successful outcomes.
  • How do I get rewarded for quality health care?
    Essential Card™ members who help their patients achieve successful health care outcomes will receive additional e•centives.³
  • What are e•centives?
    Essential Card™ members earn e•centives which may be exchanged for products, services, and exclusive events curated just for you in the Essential Rewards™ store.³
  • Where can I use my Essential Rewards™?
    Your Essential Rewards™ consist of cash-value points and e•centive reward points.³ You can redeem your rewards using the Essential Rewards™ mobile application, where a wide selection of products and services are available to help grow your practice. Plus, you can redeem points and e•centives for personal items or events. You can even donate your points to charity within the Essential Rewards™ store to receive bonus e•centives.
  • Can my employees use the Essential Card™?
    Yes, you can provide each of your employees with a card. All of their purchases will accrue points and e•centives under your account. Plus, you can monitor and authorize the spending activity of each card holder.
  • What are the bonus annual rewards?
    With each full year of membership, the primary card holder will receive additional e•centives to use in the Essential Rewards™ store.³ Exchange your e•centives for products and services which have been curated to provide exceptional value.
  • How can the Essential Card™ provide so many incredible benefits?
    Everyday, healthcare heroes put themselves at risk to help others. The Essential Card™ has partnered with industry leading companies who recognize this sacrifice and believe in rewarding the good work provided by our healthcare heroes. Additionally, the Essential Card™ benefits from the aggregate purchasing power of its membership to bring even more value to the network.

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations. Minimum monthly payments required.


You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made unless your new purchases are subject to a 0% interest rate.

1. For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms


2. See Credit Card Rewards Terms and Conditions in the Summary of Credit Terms. Your % back rewards are earned as points. Please see the Essential Card Rewards Program terms & conditions at for information regarding expiration, redemption, forfeiture, and other limitations on Points.


3. E•centives are earned for completing achievements in various categories and as a % back in rewards.  E•centives may be redeemed in the Essential Rewards mobile application. Visit for current Program Terms & Conditions.


4. Elite Privileges are provided at no additional charge pursuant to your cardholder agreement.

*0% Financing Details: Purchases in which single or multiple items are purchased in the same transaction totaling at least $1500 will be referred to as “Eligible Purchases” in your Summary of Credit Terms. All transactions are subject to approval. Accounts are eligible only if they are open, in good standing and not already subject to special terms. All other terms of your account remain in effect. 


The Essential Card is under development. Please contact us for more information or to be placed on a waitlist.

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