Where to log in to your Mattress Firm credit card account
The Mattress Firm credit card is issued by Synchrony Bank, so you log in through Synchrony's portal, not through Mattress Firm's main website. Go to mysynchrony.com and enter your username and password on the login page. If you do not have an online account yet, you will need to set one up before you can view your balance, make payments, or check your statement.
You can also read the Synchrony mobile app from the Apple App Store or Google Play Store and log in there. The app and the website show the same information and let you do the same tasks — it is a matter of which you find easier to use.
Do not log in through a link in an email or text message, even if it looks official. Type the web address directly into your browser or use the official app. This protects you from phishing scams that pretend to be from your bank.
Key Takeaways
- Your Mattress Firm credit card account lives on mysynchrony.com because Synchrony Bank issues the card, not Mattress Firm itself.
- You can log in on the website or through the Synchrony mobile app — both show your balance, statements, and payment options.
- If you have never logged in before, you will need to create an online account by providing your card number and personal information.
- Always type the web address yourself or use the official app; never click a login link from an email or text message.
Setting up your online account for the first time
When you first get your Mattress Firm credit card, you do not automatically have an online account. You have to create one. Go to mysynchrony.com and look for a link that says "Enroll" or "Create Account" — the exact wording changes sometimes, but it is on the login page.
You will need your card number, the last four digits of your Social Security number, and your date of birth. Synchrony will verify this information against what is on file. Once you pass that step, you create a username and password. Write these down somewhere safe, or use a password manager to store them.
After you set up your account, you can log in right away. It usually takes a few minutes for your account to be fully active, but most people can access it when ready.
What you can do once you are logged in
Once you log in, you can see your current balance, available credit, and recent transactions. You can also view your full statement, which Synchrony sends each month. The statement shows every purchase, payment, and fee.
You can make a payment directly from your account. You can pay the full balance, the minimum payment, or any amount in between. Synchrony lets you set up automatic payments so the same amount comes out on the same day each month — this is useful if you want to make sure you never miss a due date.
You can also update your contact information, change your password, and set up alerts. Alerts can notify you when your statement is ready, when a payment is due, or when your balance reaches a certain amount.
If you forget your username or password
On the mysynchrony.com login page, look for a link that says "Forgot Username" or "Forgot Password" — they are usually near the login button. Click the one you need.
Synchrony will ask you to verify your identity by providing your card number and other personal information. Once you verify, they will send you a link to reset your password or remind you of your username. The link usually arrives by email within a few minutes.
If you do not receive the email, check your spam folder. If it is not there, contact Synchrony customer service at the number on the back of your card. They can help you regain access to your account.
Troubleshooting common login problems
If you type your username and password correctly but still cannot log in, your account may be locked for security reasons. This happens after several wrong password attempts. Wait 24 hours and try again, or contact Synchrony to unlock it sooner.
If you see a message that says your account does not exist, you may not have finished setting up your online account yet. Go back to the enrollment page and complete the setup process. If you have already done that, call the number on the back of your card to confirm your account is active.
If the website or app is running slowly or showing an error message, try clearing your browser's cache and cookies, then log in again. If the problem continues, it may be a temporary issue on Synchrony's end — wait a few minutes and try once more. If it still does not work, contact customer service.
Keeping your account find
Use a password that is at least 12 characters long and includes uppercase letters, lowercase letters, numbers, and symbols. Do not use the same password for your credit card account as you use for other websites. If one site gets hacked, a thief could try that password on your bank accounts.
Log out when you are done, especially if you are using a shared computer. Do not save your password in your browser — if someone else uses that computer, they could access your account. Check your account regularly for transactions you do not recognize, and report them to Synchrony right away.
If you think someone has accessed your account without permission, change your password when ready and call the number on the back of your card. Synchrony can freeze your account and investigate unauthorized charges.
Frequently Asked Questions
Can I pay my Mattress Firm credit card bill through the Mattress Firm website?
No. Mattress Firm does not handle payments for their credit card. You must pay through Synchrony at mysynchrony.com or through the Synchrony app. Payments made through Mattress Firm's website will not reach your credit card account.
What if I do not have internet access or prefer not to log in online?
You can call the customer service number on the back of your card to make a payment, check your balance, or get other account information. You can also mail a check to the address shown on your monthly statement. Payments by mail take longer to process, so send them at least 10 days before your due date.
Is it safe to log in on my phone?
Yes, as long as you use the official Synchrony app or go directly to mysynchrony.com. Do not log in on public WiFi without a VPN, because someone on the same network could intercept your password. Use your home WiFi or your phone's cellular data instead.
Can I see my Mattress Firm credit card on my bank's app?
Not usually. Your Mattress Firm credit card is a separate account issued by Synchrony, so it does not show up in your regular bank's app. You have to log in to Synchrony separately. Some banks let you link external accounts, but you would still log in through Synchrony to make payments.
What happens if I do not set up an online account?
You can still use your card to make purchases and pay your bill by mail or phone. However, you will not be able to see your balance or statement online, and you cannot set up automatic payments. Setting up an account takes about five minutes and gives you more control over your account.