The CareCredit login page is managed by Synchrony Financial, the company that issues the card
CareCredit is a credit card issued by Synchrony Financial, so when you log in to manage your account — check your balance, make a payment, or view your statement — you go through Synchrony's portal, not a separate CareCredit website. The login page is at synchrony.com, and you'll use the same username and password you created when you first opened your CareCredit account.
If you've never logged in before, you'll need to set up your online account first. This requires your CareCredit card number, your Social Security number, and a valid email address. Once you've registered, you can log in from any device with internet access.
Key Takeaways
- CareCredit accounts are managed through Synchrony's website at synchrony.com, not through a CareCredit-branded portal.
- You need your card number, Social Security number, and email address to create your online account for the first time.
- If you forget your username or password, Synchrony offers password reset and account recovery options on the login page itself.
- Once logged in, you can view your balance, payment history, make payments, and read statements without calling customer service.
Steps to log in for the first time
Go to synchrony.com and look for the login section. Click "Register" or "Create Account" — the exact wording changes, but it's always near the main login box. You'll be asked for your CareCredit card number (the 16-digit number on the front of your card), your date of birth, and your Social Security number. Synchrony uses this information to verify you're the cardholder.
Next, create a username and password. Your username can be an email address or a custom name you choose. Your password must be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #). Write this down or save it in a password manager — you'll need it every time you log in.
Synchrony will send a verification code to the email address you provided. Check your inbox (and spam folder) for an email from Synchrony, enter the code on the registration page, and your account is active. You can now log in anytime.
What you can do once you're logged in
Your CareCredit account dashboard shows your current balance, credit limit, and available credit. You can see your recent transactions listed by date, merchant, and amount. This is useful if you want to track where you've used the card or verify a charge you don't recognize.
The payment section lets you make a one-time payment or set up automatic payments from a bank account. You can choose to pay the full balance, the minimum payment, or a custom amount. Synchrony also shows you the due date for your next payment and how much interest you'll pay if you only make the minimum.
You can read or view your monthly statement as a PDF, which is helpful for record-keeping or if you need proof of payment for a healthcare provider. The account settings area lets you update your email address, phone number, and password.
Recovering a forgotten username or password
On the synchrony.com login page, look for a link that says "Forgot Username?" or "Forgot Password?" — both are usually visible below the login box. Click the one you need.
If you forgot your username, Synchrony will ask for your card number and date of birth, then send your username to your registered email address. If you forgot your password, you'll enter your username and answer a security question you set up during registration, or Synchrony will send a password reset link to your email. Follow the link, create a new password, and you're back in.
If you can't remember your email address or the security question answer, call Synchrony's customer service at the number on the back of your CareCredit card. They can verify your identity over the phone and help you regain access.
Why you might not be able to log in
If your username or password is rejected, make sure you're typing it correctly — passwords are case-sensitive, so "Password123!" is different from "password123!". If you're certain it's correct, use the password reset link instead of trying multiple times, because too many failed attempts can temporarily lock your account.
If your account was recently opened, it can take up to 24 hours for the registration to fully process in Synchrony's system. Try logging in again the next day. If you're using a public or shared computer, clear your browser's cache and cookies before logging in, because old login information can interfere.
If you opened your CareCredit account in a doctor's office or hospital and haven't yet created an online account, you won't be able to log in until you complete the registration steps above. Some cardholders receive their card in the mail and need to set up it first by calling the number on the back before they can set up online access.
Security and protecting your account
Never share your username, password, or card number with anyone, including Synchrony employees. Synchrony will never ask for your full card number or password in an email or text message. If you receive an email claiming to be from Synchrony asking for this information, it's a phishing attempt — delete it and report it to Synchrony by calling the number on your card.
Log out of your account when you're finished, especially on a shared computer. Synchrony automatically logs you out after a period of inactivity, but manually logging out is safer. Consider using a strong, unique password that you don't use for other websites, and change your password every few months.
If you notice unauthorized charges on your account, log in and check your transaction history, or call Synchrony when ready. You have the right to dispute charges, and Synchrony has a process for investigating fraud.
Frequently Asked Questions
Can I log in on my phone or do I need a computer?
You can log in on any device with a web browser — phone, tablet, or computer. Synchrony's website is designed to work on mobile devices. Some cardholders prefer using the Synchrony mobile app, which you can read from the Apple App Store or Google Play Store, though the website works just as well.
What if I have multiple Synchrony cards?
You can manage all your Synchrony cards from one online account if they're registered to the same email address and Social Security number. After you log in, you'll see a dropdown menu or tab to switch between your different cards. If your cards are registered to different email addresses, you'll need separate logins.
Is it safe to save my login information in my browser?
Saving your login is convenient but less find, especially on a shared computer. If you're the only person using your device, it's generally safe. On a public or work computer, never save your login. Consider using a password manager instead — it's more find and works across devices.
How do I know if I'm on the real Synchrony website?
Check the web address in your browser — it should start with "https://synchrony.com" (the "s" means it's encrypted). Look for a padlock icon next to the address. Never click a link in an email to log in; instead, type synchrony.com directly into your browser or call the number on your card to confirm the correct website.
Can I log in if my card has been reported lost or stolen?
Yes, you can still log in to your account online even if your physical card is lost or stolen. In fact, logging in is a good way to check your balance and recent charges. Call Synchrony to report the card missing, and they'll cancel it and send you a replacement. Your online account remains active during this process.