Pay your Sephora credit card online, by phone, or by mail
The Sephora Credit Card is issued by Synchrony Bank, so you make payments directly to Synchrony, not to Sephora stores. You can pay online through your Synchrony account, call Synchrony's payment line, mail a check, or set up automatic payments. Most people pay online because it takes five minutes and the payment posts the same day if you pay before the cutoff time.
Your payment due date appears on your monthly statement and is typically 21 to 25 days after your statement closes. Paying by the due date keeps you from being charged a late fee. If you miss the due date, Synchrony charges a late fee (the amount depends on your account terms) and may report the late payment to credit bureaus.
Key Takeaways
- Log into your Synchrony account at mysynchrony.com or use the Synchrony mobile app to pay online, which is the fastest method.
- Call Synchrony at the phone number on the back of your card to make a payment by phone with a representative.
- Mail a check to the address shown on your statement; allow 7 to 10 business days for the payment to reach Synchrony and post to your account.
- Set up automatic payments through your Synchrony account so your minimum payment or full balance is paid on the same day each month.
- Payments made online or by phone before 8 p.m. ET typically post the same business day; payments made after that time post the next business day.
Pay online through your Synchrony account
Go to mysynchrony.com and sign in with your username and password. If you do not have an online account yet, click "Enroll" and follow the prompts to create one using your card number and other identifying information. Once you are logged in, click "Make a Payment" or "Pay Now" (the exact wording varies slightly depending on the page layout).
Enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Choose your payment method: you can pay from a checking or savings account (this is free) or use a debit card (Synchrony may charge a fee for debit card payments). Select the date you want the payment to be made — this can be today or any future date up to your due date. Review the details and click "Confirm" to complete the payment.
You will see a confirmation number on screen. Write it down or take a screenshot. The payment will post to your account within one business day if you submit it before 8 p.m. ET on a business day. If you submit it after 8 p.m. ET or on a weekend, it will post the next business day.
Pay by phone with a Synchrony representative
Call the number on the back of your Sephora Credit Card. A Synchrony representative will answer and ask for your account information to pull up your account. Tell them you want to make a payment and provide the amount. They will ask which bank account or debit card you want to pay from and confirm the payment date.
Payments made by phone before 8 p.m. ET on a business day typically post the same day. If you call after 8 p.m. ET or on a weekend, the payment will post the next business day. The representative will give you a confirmation number — write it down for your records.
Mail a check to Synchrony
Write a check for the amount you want to pay and include your account number on the check. The mailing address for payments is on your monthly statement under "Payment Address" or "Send Payments To." Mail the check to that address. Do not mail it to a Sephora store.
Allow 7 to 10 business days for your check to arrive and be processed. If your payment due date is coming up soon, mailing a check is risky because it may not arrive in time. Use online payment or phone payment instead if you are close to your due date.
Set up automatic payments
Automatic payments remove the risk of forgetting to pay. Log into your Synchrony account at mysynchrony.com, go to "Account Settings" or "Manage Payments," and look for "Automatic Payments" or "Recurring Payments." Click to set up a new automatic payment.
Choose whether you want to pay your full statement balance or your minimum payment each month. Select the day of the month you want the payment to be made — most people choose a day shortly after they get paid. Choose the bank account or debit card you want to pay from. Confirm the setup and you are done. The payment will happen automatically on that day each month until you cancel it.
You can change or cancel automatic payments at any time through your account settings. If you set up automatic payments, you should still check your statement each month to make sure the payment went through and the amount was correct.
What to do if you miss a payment
If you miss your due date, contact Synchrony as soon as possible. Call the number on the back of your card and make a payment right away. Synchrony will charge a late fee, but paying when ready stops additional fees from building up. A single late payment will likely be reported to credit bureaus and may lower your credit score.
If you are having trouble making your payment, call Synchrony and ask about hardship options. Synchrony may be able to work with you on a payment plan or temporarily lower your minimum payment, though this depends on your account history and current situation.
Frequently Asked Questions
Can I pay my Sephora Credit Card at a Sephora store?
No. Sephora stores do not process credit card payments. You must pay Synchrony Bank directly through their website, phone line, or by mail. Paying at a Sephora store will not be recorded as a payment on your account.
What time does my online payment post?
Payments submitted online before 8 p.m. ET on a business day post the same day. Payments submitted after 8 p.m. ET or on weekends post the next business day. The exact posting time within that day varies and is not may provide to be at a specific hour.
Is there a fee to pay my Sephora Credit Card online?
No fee if you pay from a checking or savings account. Synchrony may charge a fee if you pay with a debit card — the fee amount is shown before you confirm the payment, so you can see it before you proceed.
Can I pay more than my minimum payment?
Yes. You can pay any amount between your minimum payment and your full balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster.
What happens if I pay after my due date?
Synchrony will charge a late fee and may report the late payment to credit bureaus. The late fee amount depends on your account terms. Paying late can lower your credit score, even if you only miss the due date by one day.