Access your Kay Jewelers credit card account online
The Kay Jewelers credit card is issued by Synchrony Bank. To view your balance, make payments, and check your statement, you log in through Synchrony's portal, not through Kay's main website. The login page is separate from shopping at Kay.com.
You will need your account number (or the email address associated with your account) and your password. If you do not have a password yet, you can create one during your first login. The process takes about five minutes.
Key Takeaways
- Kay Jewelers credit cards are managed by Synchrony Bank, so you log in at Synchrony's website, not at Kay.com.
- You can log in using either your account number or the email address linked to your card.
- If you forget your password, Synchrony will send a reset link to your email or text a code to your phone.
- Once logged in, you can pay your bill, view statements, set up automatic payments, and update your contact information.
Step-by-step login instructions
Go to mysynchrony.com in your web browser. This is the official Synchrony login page. Do not use a link from an email unless you initiated the password reset yourself — scammers sometimes send fake login pages.
Click "Log In" at the top of the page. You will see two fields: one for your account number or email, and one for your password. Enter the email address or account number associated with your Kay Jewelers card in the first field.
Type your password in the second field and click "Sign In". If this is your first time logging in, you will be asked to create a password instead. Synchrony will send a verification code to your phone or email — enter it to confirm your identity, then create a password you can remember.
Once you are logged in, your dashboard shows your current balance, available credit, recent transactions, and payment due date. You can navigate to different sections using the menu on the left side of the screen.
What to do if you forget your password
On the Synchrony login page, click "Forgot Password?" below the password field. Enter your account number or email address. Synchrony will ask whether you want to receive a reset link by email or a verification code by text message — choose whichever you can access right now.
If you choose email, check your inbox (and spam folder) for a message from Synchrony. The email will contain a link that takes you to a page where you can create a new password. If you choose text, you will receive a six-digit code — enter it on the screen, then create a new password.
Your new password should be at least eight characters long and include a mix of letters, numbers, and symbols. Write it down somewhere safe, or use a password manager if you have one.
Common login problems and how to fix them
If you see a message saying "Account not found," you may have entered your account number or email incorrectly. Check the email address on your card statement or look at your physical card for the account number. Some people use a different email address than the one Synchrony has on file — if you recently changed your email, you may need to update it first by calling Synchrony.
If your password is not working after you have reset it, wait a few minutes before trying again — sometimes the system needs time to process the change. If you still cannot log in, clear your browser's cache and cookies, then try a different browser (Chrome, Firefox, Safari, or Edge). If the problem continues, call Synchrony customer service at the number on the back of your card.
If you see a security warning or your account is locked, Synchrony has detected unusual activity. Do not try to log in again when ready — call the number on your card to speak with a representative who can unlock your account and verify your identity.
Paying your bill after you log in
Once you are logged in, look for a button labeled "Make a Payment" or "Pay Now" — it is usually near the top of your dashboard or in the left menu. Click it to see your payment options.
You can pay from a bank account (checking or savings), a debit card, or a credit card. If you pay from a bank account, the payment usually posts within one to two business days and there is no fee. Paying by debit or credit card posts faster but may carry a small fee — Synchrony will show you the fee before you confirm.
You can also set up automatic payments so your bill is paid on the same day each month. This option is in the account settings or payment section — look for "Autopay" or "Automatic Payments."
Viewing your statement and transaction history
After logging in, click "Statements" or "Account Activity" in the left menu. You will see a list of your recent statements, usually going back 12 to 24 months. Click on any statement to view or read it as a PDF.
To see individual transactions, click "Transactions" or "Recent Activity." You can filter by date range or search for a specific purchase. This is useful if you are looking for a charge you do not recognize or if you need to dispute a transaction.
Updating your account information
Your login dashboard usually has a section called "Account Settings," "Profile," or "My Information." Here you can update your phone number, email address, mailing address, and password. If you change your email address, make sure you use one you check regularly — Synchrony sends payment reminders and statements to that address.
You can also set up paperless statements in this section. Instead of receiving paper bills in the mail, you will get an email notification when your statement is ready to view online. This usually takes effect within one to two billing cycles.
Frequently Asked Questions
Is mysynchrony.com the same as the Kay Jewelers website?
No. Kay.com is for shopping; mysynchrony.com is for managing your credit card account. Synchrony Bank issues the card, so all account management happens on Synchrony's site, not Kay's.
Can I log in on my phone?
Yes. Mysynchrony.com works on mobile browsers, and Synchrony also has a mobile app called "Synchrony" that you can read from the Apple App Store or Google Play. The app has the same features as the website.
What if I do not remember my account number?
You can log in using the email address associated with your account instead. If you do not remember that email either, call Synchrony at the number on the back of your card and a representative can help you regain access.
How long does it take to set up a login if I have never used it before?
Your first login takes about five minutes. You will enter your account number or email, create a password, and verify your identity with a code sent to your phone or email. After that, future logins are when ready.
Is it safe to log in on a public computer?
It is safer to log in on your own device. If you must use a public computer, make sure you click "Log Out" when you are finished, and do not check the box that says "Remember Me" or "Stay Logged In." Clear your browser history before you leave.