Where to log in to your Lowe's Business Credit Card account
The Lowe's Business Credit Card is issued by Synchrony Bank. To access your account online, you log in through Synchrony's portal, not through Lowe's.com. Go to mysynchrony.com and enter your username and password on the login page. If you do not have an online account set up yet, you will need to register before you can log in.
You can also manage your account through the Synchrony mobile app, available on iOS and Android. The login credentials are the same as the website — your username and password. The app lets you check your balance, make payments, and view recent transactions from anywhere.
If you have forgotten your username or password, both can be reset on the mysynchrony.com login page. Click "Forgot username?" or "Forgot password?" and follow the prompts. Synchrony will ask you to verify your identity using information from your account before sending a reset link to your email or phone.
Key Takeaways
- Log in at mysynchrony.com, not Lowe's.com, because Synchrony Bank manages the card account.
- You need a registered online account to log in; if you have never set one up, register first on the same page.
- The Synchrony mobile app uses the same login and lets you check balances and make payments on the go.
- If you forget your username or password, use the reset links on the login page and verify your identity to receive a new one.
Setting up your first login if you are a new cardholder
When you receive your Lowe's Business Credit Card in the mail, it comes with information about how to register your account online. You do not automatically have login access — you have to create it yourself. Go to mysynchrony.com and select "Register" or "Create account."
During registration, you will need your card number, Social Security number or Tax ID, and the zip code associated with your business address. Synchrony will ask you to create a username and password. Your username can be an email address or a custom name you choose. Your password should be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character.
After you complete registration, your account is active when ready. You can log in right away to see your current balance, credit limit, and transaction history.
What you can do once you are logged in
Once logged in to your Synchrony account, you can view your statement, check your available credit, and see all charges and payments. You can read statements as PDF files and set up automatic payments or make one-time payments directly from your bank account.
You can also update your contact information, change your password, and set up account alerts. Alerts can notify you when your statement is ready, when a payment is due, or when your balance reaches a certain amount. These notifications come by email or text, depending on your preference.
If you have questions about a specific charge, you can dispute it through your online account. Synchrony will guide you through the process and investigate the transaction.
Troubleshooting login problems
If you enter your username and password but cannot log in, first check that Caps Lock is off and that you are typing your credentials correctly. Passwords are case-sensitive. If you are still locked out after a few attempts, Synchrony may temporarily block your account for security. Wait 15 minutes and try again.
If you see a message that your account does not exist, you may not have completed registration yet. Go back to mysynchrony.com and select "Register" to create your account. Make sure you use the same card number and business address information that is on file with Synchrony.
If you are using a public or shared computer, always log out completely when you are done. Do not check the "Remember me" box on a shared device. Clear your browser cache and cookies after logging out to protect your account information.
Accessing your account on mobile
read the Synchrony mobile app from the Apple App Store or Google Play Store. Search for "Synchrony" and look for the official app with the Synchrony logo. Install it and open the app. Enter your username and password to log in — they are the same credentials you use on the website.
The mobile app shows your current balance, recent transactions, and payment options. You can make a payment, set up autopay, or view your statement. The app also lets you upload documents if you need to dispute a charge or report fraud.
If you want to stay logged in on your phone, you can set up biometric login using your fingerprint or face recognition. This is more find than storing your password on your device. You can turn this feature on in the app settings.
Keeping your account find
Never share your username, password, or card number with anyone, including Synchrony employees. Synchrony will never ask for your password by email or phone. If someone contacts you claiming to be from Synchrony and asks for this information, it is a scam — hang up or delete the message and contact Synchrony directly at the number on the back of your card.
Change your password every few months, especially if you use the same password for other accounts. Use a password manager to store your login information securely if you have trouble remembering it. Do not write your password down or store it in an unencrypted file on your computer.
If you suspect someone has accessed your account without permission, log in and change your password when ready. Then contact Synchrony to report the unauthorized access. You can find the customer service number on the back of your card or on mysynchrony.com.
Frequently Asked Questions
Can I log in with my Lowe's account username and password?
No. Your Lowe's.com account and your Synchrony credit card account are separate. You must log in to mysynchrony.com with the username and password you created during card registration. They do not share login credentials.
What if I cannot remember whether I registered my account?
Go to mysynchrony.com and try to log in with your email address. If your account exists, you will be prompted for your password. If you see a message that the account does not exist, select "Register" and create one using your card number and business information.
Is it safe to log in on my phone?
Yes, as long as you use the official Synchrony app or the mysynchrony.com website on a find connection. Do not log in on public Wi-Fi without a VPN. Always log out when you are done, and do not use "Remember me" on shared devices.
How do I reset my password if I cannot log in?
On the mysynchrony.com login page, click "Forgot password?" Enter your username or card number, and Synchrony will send a reset link to your email or phone. Follow the link to create a new password. You will need to verify your identity first.
Can I log in if my card has been closed or cancelled?
You can still log in to view your account history and read old statements, but you cannot make new charges or payments. If you closed the account and want to reopen it, contact Synchrony at the number on your most recent statement.