Paying a Synchrony Bank credit card works the same way as most cards, but Synchrony owns the card itself rather than just processing payments for another bank
Synchrony Bank is the card issuer — the company that sent you the card and sets the terms. When you make a payment, you are sending money directly to Synchrony, not to a store or a third party. You can pay online through your account, by phone, by mail, or in person at a MoneyGram location. The payment important date is the same date each month, shown on your statement.
The key difference from other cards is that Synchrony cards are often store-branded — like Amazon, Target, or Best Buy cards — but the payment process is identical. You log into your Synchrony account (or the store's app if the card is co-branded), enter the amount, and choose your payment method. Synchrony accepts payments from checking accounts, savings accounts, and debit cards.
Key Takeaways
- You can pay your Synchrony card online, by phone at 1-800-315-8000, by mail to the address on your statement, or at a MoneyGram location.
- Payments made online or by phone usually post within one business day, while mailed checks take five to seven business days.
- Your minimum payment and due date appear on your monthly statement and in your online account.
- Late payments trigger a fee and can raise your interest rate, so setting up automatic payments removes the risk of missing the important date.
Online and mobile payment through your Synchrony account
Log into your account at synchronybank.com or through the Synchrony mobile app. Click "Make a Payment" and enter the amount you want to pay. You will choose a payment source — a checking account, savings account, or debit card linked to your account. If this is your first payment, you will need to add the account details first.
Synchrony lets you pay the full balance, the minimum payment, or any amount in between. You can also schedule a payment for a future date if you know when money will be available. Payments made before 8 p.m. Eastern Time on a business day usually post the next day. Payments made after 8 p.m. or on a weekend post the following business day.
Phone and mail payment options
To pay by phone, call 1-800-315-8000 and have your card number and a checking or savings account ready. A representative will walk you through the payment and confirm the amount and posting date. Phone payments also post within one business day.
To pay by mail, write a check to Synchrony Bank and include your card number on the check. Mail it to the address printed on your statement under "Payment Address" — this address is different from your billing address and is designed to speed up processing. Mailed payments take five to seven business days to post, so send your check at least a week before your due date to avoid a late fee.
MoneyGram in-person payment
You can walk into a MoneyGram location (often found in grocery stores, pharmacies, and check-cashing shops) and pay your Synchrony card in cash or with a debit card. Tell the clerk you want to pay a credit card bill and provide your Synchrony card number. MoneyGram charges a fee for this service — usually $3 to $10 depending on the amount — so this option is most useful if you do not have a bank account or prefer to pay in cash.
In-person payments post within one to two business days. MoneyGram locations are not available everywhere, so check the MoneyGram website to find one near you before you go.
Automatic payments and setting a due date reminder
The safest way to avoid a late payment is to set up automatic payments through your Synchrony account. You can choose to pay the full balance, the minimum payment, or a fixed amount each month on your due date. Once set up, the payment happens without you having to remember or log in each month.
If you prefer to pay manually, set a phone reminder or calendar alert for three days before your due date. This gives you time to make the payment and have it post before the important date. A single late payment can trigger a fee of $25 to $40 and can raise your interest rate on future purchases, so the small effort of setting a reminder pays off.
What happens if you miss a payment important date
If your payment does not post by your due date, Synchrony charges a late fee. The fee amount depends on your card terms but is typically $25 for the first late payment and up to $40 for subsequent ones. More importantly, a late payment can raise your interest rate — sometimes significantly — and stays on your credit report for seven years.
If you realize you have missed a important date, contact Synchrony when ready at 1-800-315-8000. Explain the situation and ask whether they can waive the fee. Many issuers will waive one late fee if you have a good payment history and call within a few days. Paying the full amount owed as soon as possible limits the damage.
Paying more than the minimum to reduce interest
Your statement shows a minimum payment — often just 1 to 3 percent of what you owe — but paying only the minimum means you will pay interest on the rest of the balance. If you carry a balance, paying more than the minimum each month reduces the total interest you pay and gets you out of debt faster.
For example, a $2,000 balance at 20 percent interest costs you roughly $200 per year in interest if you only pay the minimum. Paying $100 per month instead of the minimum cuts that interest roughly in half. Paying the full balance each month costs you zero interest. Your Synchrony statement shows how much interest you will pay if you only make the minimum payment, so you can see the real cost of carrying a balance.
Frequently Asked Questions
Can I pay my Synchrony card at a store?
No. You cannot pay at a store checkout or customer service desk. You must pay online, by phone, by mail, or at a MoneyGram location. If your Synchrony card is co-branded with a store (like Target or Amazon), paying at that store is a purchase, not a payment toward your bill.
What if I pay online but the payment does not show up?
Payments made before 8 p.m. Eastern Time on a business day post the next day. If you paid after that time or on a weekend, it will post the following business day. Check your account the next business day to confirm it posted. If more than two business days have passed, call 1-800-315-8000 to verify the payment was received.
Can I change my payment due date?
Yes. Log into your Synchrony account, go to Account Settings, and look for "Change Due Date" or "Payment Options." You can usually move your due date to any day of the month. Changing it takes effect on your next billing cycle.
Is there a fee to pay my Synchrony card?
No fee for online, phone, or mail payments. MoneyGram charges a fee of $3 to $10 depending on the amount. Some debit cards may charge their own fee for the transaction, but Synchrony itself does not charge you to pay.
What if I want to pay off my card early?
You can pay any amount at any time. There is no penalty for paying early or paying off your balance before the due date. Paying early reduces the interest you owe and is always a good move if you have the money available.