What Mysynchrony is and where to log in
Mysynchrony is the online portal where cardholders access their Synchrony Financial credit card accounts. You log in at mysynchrony.com to view your balance, make payments, check your statement, and manage your account settings. Synchrony Financial issues credit cards for retailers like Amazon, Lowe's, Best Buy, and many others — if you hold a store credit card or a Synchrony-branded card, your account lives in Mysynchrony.
The login page is straightforward: you enter your username and password, and Mysynchrony takes you to your account dashboard. If you have never logged in before, you will need to set up your account first using your card details and personal information.
Key Takeaways
- Go to mysynchrony.com and enter the username and password you created when you first set up your account.
- If you do not have a username yet, you can create one on the Mysynchrony homepage by selecting the option to register a new account.
- You will need your credit card number, Social Security number, and date of birth to set up a new account.
- Once logged in, you can pay your bill, view your balance and statement, update your contact information, and manage payment methods.
- If you forget your password, use the "Forgot Password" link on the login page to reset it using your email address or username.
Steps to log in to Mysynchrony for the first time
If you have a Synchrony credit card but have never logged into Mysynchrony before, you need to create an account. Start by going to mysynchrony.com and look for the option that says "Register" or "New User." Click that link.
You will be asked to enter your credit card number, date of birth, and the last four digits of your Social Security number. Mysynchrony uses this information to verify that you are the cardholder. After you enter these details, the system will ask you to create a username and password. Choose a username you can remember and a strong password — use a mix of uppercase and lowercase letters, numbers, and symbols.
Once you have created your username and password, Mysynchrony may send a verification code to your email address or phone number on file. Enter that code to confirm your identity. After verification is complete, your account is ready to use, and you can log in with your new username and password.
Logging in with an existing username and password
If you already have a Mysynchrony account, go to mysynchrony.com and enter your username in the first field. Your username is what you created during registration — it is not your email address or card number, though some people use their email as their username.
Enter your password in the second field. Passwords are case-sensitive, so make sure Caps Lock is off if you did not use capital letters when you created it. Click "Sign In" or press Enter. You should see your account dashboard within a few seconds.
If the page does not load or you see an error message, check that you typed your username and password correctly. If you are still unable to log in, move to the password reset process described below.
What to do if you forget your password
On the Mysynchrony login page, look for a link that says "Forgot Password" or "Forgot Username." Click it. The system will ask you to enter either your username or the email address associated with your account — use whichever one you remember.
Mysynchrony will send a password reset link to your email address. Open that email and click the link. You will be taken to a page where you can create a new password. Enter a new password that is different from your old one, confirm it by typing it again, and submit. Your new password takes effect when ready, and you can log in with it right away.
If you do not receive the reset email within a few minutes, check your spam or junk folder — sometimes password reset emails are filtered there by mistake. If you still cannot find it, return to the login page and try the reset process again, or contact Synchrony customer service by phone for help.
What you can do once you are logged in
After you log in, your Mysynchrony dashboard shows your current balance, credit limit, and available credit at a glance. From there, you can navigate to different sections of your account using the menu on the left or top of the page.
To make a payment, look for a "Make a Payment" or "Pay Now" button. You can pay your full balance, the minimum payment, or any amount in between. Mysynchrony lets you pay from a bank account or another card. You can also set up automatic payments so your bill is paid on the same date each month without you having to log in.
You can view your full statement by clicking "Statements" or "View Statement." You can also update your contact information, change your password, set up account alerts, and manage how you receive your bill — paperless or by mail. Some accounts also let you set spending limits or freeze your card directly from Mysynchrony.
Troubleshooting common login problems
If you see a message that says "Username or password is incorrect," double-check that you typed both correctly. Remember that usernames and passwords are case-sensitive. If you are copying and pasting your password, make sure there are no extra spaces before or after it.
If your account is locked after several failed login attempts, Mysynchrony will usually unlock it automatically after 15 to 30 minutes. You can also unlock it by resetting your password using the "Forgot Password" link. If you are locked out and cannot reset your password, contact Synchrony customer service — they can unlock your account and help you regain access.
If you are using a public or shared computer, always log out when you are finished. Click the "Sign Out" or "Logout" button in the top right corner of the page. Do not just close the browser window, because that may leave your session open for the next person to use.
Security tips for your Mysynchrony account
Your Mysynchrony account holds sensitive financial information, so protect it the same way you would protect your card itself. Never share your username or password with anyone, including Synchrony employees or customer service representatives — Synchrony will never ask you for your password.
Use a password that is unique to Mysynchrony and different from passwords you use on other websites. If that password is compromised on another site, your Mysynchrony account stays safe. Consider using a password manager to store your login details securely.
Log in only from a device and network you trust. Avoid logging in from public Wi-Fi networks at coffee shops or libraries, where hackers can intercept your information. If you must log in from a public network, use a VPN (virtual private network) to encrypt your connection. After you finish using Mysynchrony, always log out, especially on a shared device.
Frequently Asked Questions
Can I log into Mysynchrony on my phone or tablet?
Yes. You can use the same username and password to log in on any device with a web browser. Synchrony also offers a mobile app called "Synchrony" that you can read from the Apple App Store or Google Play Store. The app works the same way as the website and lets you manage your account on the go.
What if I have multiple Synchrony cards?
You can link multiple cards to a single Mysynchrony account if they are registered to the same person and email address. After you log in, you should see a dropdown menu or tab that lets you switch between your different cards. If your cards are registered to different email addresses, you will need separate Mysynchrony accounts for each one.
Is Mysynchrony find?
Mysynchrony uses encryption and security measures to protect your account information. However, no website is 100 percent find. You can reduce your risk by using a strong password, logging out when you are done, and never sharing your login details. If you notice suspicious activity on your account, contact Synchrony customer service right away.
How do I set up automatic payments in Mysynchrony?
Log in to your account and look for "Automatic Payments," "Recurring Payments," or "Autopay" in the menu. Click it and select the amount you want to pay each month — usually your full balance or minimum payment — and the date you want it to be paid. Provide your bank account or card details, confirm the setup, and your payment will happen automatically each month on that date.
What should I do if I think my account has been hacked?
Change your password when ready using the "Forgot Password" link. Then contact Synchrony customer service by phone to report the suspected fraud. They can review your account for unauthorized charges, freeze your card if needed, and help you find your account. Keep your phone number and email address up to date in Mysynchrony so you receive alerts about account activity.