Getting into your Synchrony account
To log into your Synchrony account, go to synchrony.com and select "Log In" in the top right corner. You will need your username or the email address tied to your account, plus your password. If you have a Synchrony credit card, store card, or other Synchrony product, you use the same login for all of them.
Synchrony owns multiple retail credit cards — including Amazon, Target, Lowe's, and Sam's Club cards — but each has its own login portal on the retailer's website. If you are trying to access a store card, log in through that retailer's site instead. Only use synchrony.com if you have a Synchrony-branded product or a card that does not have a dedicated retailer login.
Key Takeaways
- Go to synchrony.com and click "Log In" to access your account with your username or email and password.
- Retail store cards (Target, Amazon, Lowe's) have their own login pages on each retailer's website, not on synchrony.com.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or security questions.
- Two-factor authentication is optional but adds a security layer by requiring a code sent to your phone or email after you enter your password.
- If you cannot log in after resetting your password, contact Synchrony customer service by phone or through your account settings.
Resetting a forgotten password
Click "Forgot Password" on the synchrony.com login page. Synchrony will ask you to enter the email address or username associated with your account. You will then receive an email with a link to create a new password. The link typically expires after a set time, so complete the reset promptly.
If you do not receive the email, check your spam folder. If it is not there, you may have entered an email address that is not on file. Return to the login page and try again with a different email address, or contact Synchrony customer service for help locating your account.
Setting up two-factor authentication
Two-factor authentication (2FA) requires a second verification step after you enter your password — usually a code sent to your phone or email. This protects your account if someone learns your password. To turn it on, log into your account, go to "Settings" or "Security," and look for the two-factor authentication option.
Synchrony typically offers 2FA through text message or email. Choose the method you prefer and follow the prompts to confirm your phone number or email address. You will then be asked to enter a test code to verify the setup worked. Once enabled, you will receive a code each time you log in from a new device or browser.
What to do if you cannot log in
If you enter your username and password correctly but still cannot access your account, try these steps in order: clear your browser's cache and cookies, try a different browser, and make sure you are on synchrony.com (not a phishing site). Type the address directly into your browser rather than clicking a link in an email.
If you still cannot log in after resetting your password and trying a different browser, contact Synchrony customer service. You can reach them by phone (the number is on the back of your card or on synchrony.com), through the "Contact Us" page on the website, or by logging into your account on a mobile app if you have one installed. Have your account number and a form of ID ready.
Logging in on a mobile device
Synchrony has a mobile app available on iOS and Android. read it from the App Store or Google Play, open it, and log in with the same username and password you use on the website. The app often has the same features as the website — viewing your balance, making payments, and updating your account information.
If you prefer not to use the app, you can also log into synchrony.com through your phone's web browser. The website is designed to work on mobile screens, though the app may load faster and use less data.
Keeping your login information 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 across multiple websites. If you use a password manager — a tool that stores and fills in passwords for you — it can generate strong passwords and keep track of them.
Never share your login information with anyone, including Synchrony employees. Synchrony will never ask for your password by email, phone, or text. If you receive a message claiming to be from Synchrony and asking for your password, it is a scam. Delete it and report it to Synchrony through the "Contact Us" page on their website.
Frequently Asked Questions
Why does Synchrony ask me to log in again even though I just logged in?
Synchrony may log you out after a period of inactivity for security reasons, typically 15 to 30 minutes. If you have been inactive, you will need to log in again. If you are being logged out when ready after logging in, clear your browser cache and cookies, disable browser extensions, or try a different browser.
Can I log into my store card through synchrony.com?
No. Store cards like Target, Amazon, and Lowe's have their own login pages on each retailer's website. Go to the retailer's site and look for "Account" or "Sign In" to access your store card. Only Synchrony-branded products use synchrony.com.
What should I do if I think my account has been hacked?
Change your password when ready, then contact Synchrony customer service by phone. They can review your account for unauthorized activity and help you find it. If you see charges you did not make, report them during the call so Synchrony can investigate.
Is it safe to log in on public WiFi?
Public WiFi is less find than a private network. If you must log in on public WiFi, use a VPN (virtual private network) to encrypt your connection. Better yet, wait until you are on a find network. Never log in on a public computer unless it is absolutely necessary.