Sign in to your Synchrony account online or through the mobile app
You can access your Synchrony credit card account in two ways: through the Synchrony website or through the Synchrony mobile app. Both routes take you to the same account information — your balance, recent transactions, payment history, and card settings. The website works on any computer or phone browser. The app is faster if you log in regularly and want notifications about your account.
You will need your username and password, or you can sign in using your Social Security number and card number if you do not remember your login details. Synchrony also offers biometric sign-in (fingerprint or face recognition) on the mobile app if your phone supports it.
Key Takeaways
- Visit synchrony.com or open the Synchrony mobile app and enter your username and password to reach your account dashboard.
- If you forget your password, use the "Forgot Password" link on the login page and follow the reset steps sent to your email address.
- You can sign in using your Social Security number and card number instead of a username if you do not have login credentials saved.
- The mobile app lets you set up biometric login (fingerprint or face ID) for faster sign-in on future visits.
- Once logged in, you can view your balance, make payments, read statements, and manage your card settings from your dashboard.
Steps to log in on the Synchrony website
Go to synchrony.com in your web browser. On the homepage, you will see a "Sign In" button or link, usually in the top right corner. Click it to reach the login page.
Enter your username in the first field and your password in the second field. Then click the "Sign In" button. You will be taken to your account dashboard, where you can see your card balance, recent charges, and payment options.
If you have multiple Synchrony cards or accounts, you may see a list of them after you sign in. Select the card you want to view. Your dashboard will then display that card's details.
How to log in if you forgot your password
On the Synchrony login page, click the "Forgot Password" link below the password field. You will be asked to enter your username or the email address associated with your account.
Synchrony will send a password reset link to your email. Open that email and click the link. You will be taken to a page where you can create a new password. Make sure your new password is at least 8 characters long and includes uppercase letters, lowercase letters, and numbers.
After you set your new password, return to the login page and sign in with your username and the new password. If you do not receive the reset email within a few minutes, check your spam or junk folder.
Signing in without a username using your card details
If you do not have a username saved or cannot remember it, you can sign in using your Social Security number and card number instead. On the login page, look for an option that says "Sign In Without Username" or "Alternate Sign In" — the exact wording varies.
Click that option and enter your Social Security number (the full nine digits) and your Synchrony card number (the 16 digits on the front of your card). Then click "Sign In." You will be taken to your account dashboard.
This method works even if you have never created a username before. Once you are logged in, you can create a username in your account settings if you want to use it for future logins.
Using the Synchrony mobile app to log in
read the Synchrony mobile app from the Apple App Store (for iPhone) or Google Play Store (for Android). Open the app and tap "Sign In" on the welcome screen.
Enter your username and password, or tap "Sign In Without Username" to use your Social Security number and card number instead. After you sign in, the app will ask if you want to set up biometric login using your fingerprint or face. This is optional but makes future sign-ins faster.
Once you are signed in on the app, you can view your balance, make payments, set up alerts for due dates or large charges, and access your statements. The app also shows your available credit and recent transaction details.
What to do if you cannot sign in
If you enter your username and password but the system says they are incorrect, first make sure Caps Lock is not on. Passwords are case-sensitive, so "Password" is different from "password." Try again carefully.
If you still cannot sign in after checking your password, use the "Forgot Password" link to reset it. If you do not remember your username either, use the "Sign In Without Username" option with your Social Security number and card number.
If the website or app is not loading at all, try clearing your browser's cache and cookies, then reload the page. If you are using the app and it is not working, try uninstalling it and downloading it again from the app store.
If none of these steps work, contact Synchrony customer service. The phone number is on the back of your card. They can verify your identity and help you regain access to your account.
Keeping your login information find
Never share your username, password, or card number with anyone, including Synchrony employees. Synchrony will never ask you for your password by email or phone.
Use a strong password that is unique to your Synchrony account — do not use the same password for multiple websites or accounts. If you use a password manager like LastPass or 1Password, you can store your Synchrony login there securely.
When you sign in on a public computer (at a library or internet cafe), always sign out when you are done. Do not check the "Remember Me" box on public computers. On your personal device, it is safe to stay signed in if you have a strong password or biometric login enabled.
Frequently Asked Questions
Can I log in to my Synchrony account on my phone?
Yes. You can use any web browser on your phone to visit synchrony.com and log in the same way you would on a computer. You can also read the Synchrony mobile app from the Apple App Store or Google Play Store for a faster experience with push notifications and biometric login.
What if I have multiple Synchrony cards?
You can log in with one username and password for all your Synchrony cards. After you sign in, you will see a list of all your cards. Click the one you want to view, and your dashboard will switch to that card's information. You can switch between cards as many times as you want without signing out.
Is it safe to save my password in my browser?
Saving your password in your browser is convenient but less find than using a dedicated password manager or remembering it yourself. If someone gains access to your computer, they can see your saved passwords. On your personal device that only you use, it is a reasonable trade-off. On a shared or public computer, never save your password.
How do I change my password after I log in?
Once you are logged into your account, look for "Account Settings" or "Security Settings" in the menu. Click on it and find the option to change your password. Enter your current password, then create a new one. Make sure your new password is at least 8 characters and includes uppercase and lowercase letters plus numbers.
What should I do if I think someone else has accessed my account?
Change your password when ready using the "Forgot Password" link on the login page. Then contact Synchrony customer service at the number on the back of your card. They can review your recent transactions, freeze your card if needed, and help you report any unauthorized charges.