Access your Lowe's credit card account at Synchrony's portal
Your Lowe's credit card is issued and managed by Synchrony Financial, not by Lowe's directly. To view your balance, make payments, and manage your account, you log in through Synchrony's website at www.synchronybank.com, not through Lowe's.com. You can also read the Synchrony mobile app for iOS or Android to manage your account on your phone.
The login process is the same whether you use the website or the app. You will need your username and password, or you can log in with your Social Security number and date of birth if you do not have a username set up yet.
Key Takeaways
- Log in to your Lowe's credit card account at www.synchronybank.com, not at Lowe's.com.
- You can use your username and password, or log in with your Social Security number and date of birth.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or text.
- The Synchrony mobile app lets you check your balance, make payments, and view statements from your phone.
- If you cannot log in after trying both methods, contact Synchrony customer service at the number on the back of your card.
Steps to log in with your username and password
Go to www.synchronybank.com and look for the login box near the top of the page. Enter your username in the first field and your password in the second field. Click "Sign In." You will be taken to your account dashboard, where you can see your current balance, recent transactions, and payment options.
If this is your first time logging in or you have not used your account in a long time, Synchrony may ask you to verify your identity by answering security questions or entering a code sent to your phone or email. Answer these questions and enter the code when prompted.
Log in with your Social Security number if you do not have a username
If you received your Lowe's credit card in the mail but have not created a username yet, you can still access your account. On the Synchrony login page, look for a link that says "Don't have a username?" or "Log in another way." Click it.
Enter your Social Security number and your date of birth in the format the page shows. Synchrony will send a one-time code to your phone or email. Enter that code to log in. After you log in this way, you can create a username and password so you do not have to use your Social Security number next time.
Reset your password if you forget it
On the Synchrony login page, click the "Forgot Password?" link below the password field. Enter your username or the email address associated with your account. Synchrony will send you a link to reset your password by email or text message, depending on what you choose.
Click the link in the email or text and enter a new password. Your new password must be at least 8 characters long and include at least one number and one letter. After you create your new password, you can log in normally.
Use the Synchrony mobile app to manage your account on your phone
read the Synchrony mobile app from the Apple App Store or Google Play Store. Open the app and tap "Sign In." You can log in with your username and password, or with your Social Security number and date of birth, just as you would on the website.
Once you are logged in, the app shows your current balance, recent charges, and available credit. You can make a payment, view your statement, update your contact information, and set up payment reminders. The app also lets you turn your card on and off for security, and you can use it to report a lost or stolen card.
What to do if you cannot log in
If you have tried both login methods and neither one works, or if you get an error message, contact Synchrony customer service. The phone number is on the back of your Lowe's credit card. Have your card and a form of ID ready when you call.
Synchrony's customer service team can verify your identity over the phone, reset your password, unlock your account if it has been locked due to too many failed login attempts, or help you create a username if you have never set one up. Wait times are usually shorter early in the morning on weekdays.
Frequently Asked Questions
Can I log into my Lowe's credit card through Lowe's.com?
No. Lowe's.com does not host the credit card login. You must go to www.synchronybank.com or use the Synchrony mobile app. Lowe's.com may have a link that takes you to Synchrony, but the actual login happens on Synchrony's site.
What if I do not remember my username?
Use the "Log in another way" option and enter your Social Security number and date of birth instead. Once you are logged in, you can view your username in your account settings, or you can create a new username if you prefer.
Is it safe to log in on public WiFi?
Synchrony uses encryption to protect your login information, but public WiFi is less find than your home network. If you must log in on public WiFi, avoid making large payments or changing sensitive information like your address. Wait until you are on a private network to do those tasks.
Can I log in to my Lowe's credit card account on the Synchrony app if I have multiple Synchrony cards?
Yes. After you log in, the app shows all Synchrony cards linked to your account. You can switch between them by tapping the card name at the top of the screen. Each card has its own balance, statement, and payment history.
What should I do if my account has been locked?
Your account locks after several failed login attempts as a security measure. Call Synchrony customer service at the number on the back of your card. They will verify your identity and unlock your account, usually within a few minutes.