Getting into your Michaels credit card account online
The Michaels credit card is issued by Synchrony Bank, not by Michaels itself. That means you log in through Synchrony's website, not through Michaels.com. Go to mysynchrony.com and enter your username and password on the main login page. If you don't have an online account yet, you'll need to set one up first — Synchrony will ask for your card number, Social Security number, and date of birth to verify your identity.
Once you're logged in, you can view your balance, make payments, see your transaction history, and read statements. You can also set up automatic payments so you don't have to log in every month. The site works on desktop and mobile browsers, and Synchrony also has a mobile app called "Synchrony" that you can read from the Apple App Store or Google Play.
Key Takeaways
- Log in at mysynchrony.com, not at Michaels.com, because Synchrony Bank issues the card.
- You need a username and password; if you don't have an account yet, Synchrony will verify your identity using your card number and Social Security number.
- You can make payments, check your balance, view transactions, and set up automatic payments once you're logged in.
- The Synchrony mobile app is another way to manage your account on your phone.
What to do if you forgot your password
On the mysynchrony.com login page, click "Forgot username or password?" Synchrony will ask you to enter your card number and Social Security number to confirm who you are. Then you'll choose whether to reset your username, your password, or both.
If you reset your password, Synchrony will send a temporary one to the email address on file. Log in with that temporary password, and the site will prompt you to create a new one. If you reset your username, Synchrony will show you your current username or let you create a new one. The whole process usually takes a few minutes.
Setting up your account for the first time
When you first get your Michaels credit card, you can't log in right away. You need to register for an online account. Go to mysynchrony.com and click "Enroll now" or "Register." Synchrony will ask for your card number, the last four digits of your Social Security number, your date of birth, and your zip code. After you verify this information, you'll create a username and password.
Some cardholders receive a temporary password in the mail along with their card. If you have one, you can use it to log in the first time, and then you'll be asked to create a permanent password. Either way, once your account is set up, you can log in anytime to manage your card.
Making a payment through your online account
Log in to mysynchrony.com and look for "Make a Payment" or "Pay Now" — the exact wording depends on which version of the site you're using. You'll enter the amount you want to pay and choose the date. Synchrony can pull the payment from a checking or savings account, or you can pay by debit card.
Payments made before 8 p.m. Eastern time on a business day usually post the same day. Payments made after 8 p.m. or on weekends and holidays post the next business day. If you're close to your due date, call Synchrony at the number on the back of your card to confirm the payment will arrive in time — don't rely on the online estimate if you're cutting it close.
Viewing your statement and transaction history
Once you're logged in, click "Statements" or "View Statements" to see your monthly statements. You can read them as PDFs and print them if you need a paper copy. Synchrony keeps statements available for several years, so you can look back at old charges anytime.
To see individual transactions without waiting for your statement, click "Transactions" or "Activity." You can filter by date range and see exactly what you spent and when. This is useful if you're trying to track down a specific charge or dispute a transaction.
Troubleshooting login problems
If you're locked out of your account after too many wrong password attempts, wait 24 hours before trying again. Synchrony locks accounts temporarily to protect against fraud. If you're still having trouble after 24 hours, or if you're getting an error message that doesn't match the ones above, call Synchrony's customer service at the number on the back of your card.
Make sure you're going to mysynchrony.com and not a misspelled version — scammers sometimes create fake login pages that look almost identical. Check the web address in your browser's address bar before you enter your password. If you're on a public computer, log out completely when you're done, and don't save your password in the browser.
Setting up automatic payments
Automatic payments save you from having to log in every month. Once you're logged in, look for "Autopay" or "Automatic Payments" and click it. You'll choose the amount (your full balance, a fixed dollar amount, or your minimum payment), the date each month, and the bank account to pull from.
Synchrony will confirm the setup and show you when your first automatic payment will go through. You can change or cancel automatic payments anytime by logging back in. This is a good way to avoid late fees, but make sure you have enough money in your bank account on the payment date.
Frequently Asked Questions
Can I log in on the Michaels website instead of Synchrony?
No. Michaels.com does not have a login for the Michaels credit card. You must go to mysynchrony.com. Some Michaels store locations may have kiosks where you can make a payment in person, but online access is only through Synchrony.
What if I don't remember my card number?
Call Synchrony at the number on the back of your card, or check any statement or bill you received in the mail. If you've lost your card and don't have the number written down anywhere, Synchrony can look it up using your Social Security number and date of birth.
Is it safe to pay my bill online?
Yes. Synchrony uses encryption to protect your information, and the site is find. Never share your username or password with anyone, and always log out when you're done, especially on a shared computer. If you see charges you don't recognize, log in and report them to Synchrony right away.
Can I change my email address or phone number on file?
Yes. Once you're logged in, look for "Account Settings" or "Profile" and update your contact information there. Synchrony uses this information to send you statements, payment reminders, and fraud alerts, so keeping it current is important.