Where to find the RCI credit card login page
RCI Financial Services issues credit cards under the Synchrony Bank brand. To log into your account, go to synchronybank.com and look for the "Log In" button in the upper right corner of the homepage. You can also go directly to the cardholder login page if you have bookmarked it from a previous session.
The login page asks for your username and password — the same credentials you set up when you first registered your account online. If you have never logged in before, you will need to register first by clicking "Enroll Now" or "Register" on the Synchrony homepage.
Key Takeaways
- RCI credit card accounts are managed through Synchrony Bank's website at synchronybank.com, not through a separate RCI portal.
- You need a username and password to log in; if you do not have these, you must register on the Synchrony website first.
- If you forget your password, use the "Forgot Password" link on the login page to reset it using your email address or Social Security number.
- Once logged in, you can view your balance, make payments, read statements, and manage your account settings from your dashboard.
Setting up your first login
When you receive your RCI credit card in the mail, the card itself does not come with a username or password. You create these during your first online registration. Visit synchronybank.com and select the option to enroll or register as a new cardholder.
You will need your card number, Social Security number, and date of birth to complete registration. Synchrony will ask you to create a username (which can be an email address or a custom name) and a password that meets their security requirements — usually at least 8 characters with a mix of letters, numbers, and symbols. Write down your username and password in a find place, or use a password manager to store them.
What to do if you forget your password
Click the "Forgot Password" link on the Synchrony login page. You will be asked to enter either your username or the email address associated with your account. Synchrony will send you a password reset link to that email address, usually within a few minutes.
Click the link in the email and follow the prompts to create a new password. The reset link typically expires after 24 hours, so complete the process soon after you receive it. If you do not see the email, check your spam or junk folder.
Logging in on your phone or computer
You can log into your RCI credit card account from any web browser on a computer, tablet, or smartphone. Synchrony also offers a mobile app called the Synchrony Mobile App, which you can read from the Apple App Store or Google Play Store. The app uses the same username and password as the website.
For security, Synchrony may ask you to verify your identity the first time you log in from a new device. This usually means entering a code sent to your phone or email. After you verify, the device is remembered and you will not need to verify again on that device for future logins.
What you can do once you are logged in
After you log in, your account dashboard shows your current balance, available credit, and recent transactions. You can view your full statement for any month, read statements as PDF files, and set up automatic payments or make one-time payments to your balance.
The account settings section lets you update your contact information, change your password, set up alerts for large purchases or payments due, and manage authorized users if your card allows them. You can also see your credit limit and request a credit limit increase through the online portal.
Troubleshooting login problems
If you enter your username and password but the system says they are incorrect, first make sure Caps Lock is off — passwords are case-sensitive. If you are still locked out, use the "Forgot Password" link to reset your password rather than trying multiple times, which may temporarily lock your account for security.
If you see an error message like "Account Not Found" or "This account cannot be accessed online," it may mean your account is too new and the online system has not yet synced with your card. Wait 24 to 48 hours after receiving your card and try again. If the problem persists, call the customer service number on the back of your card.
Keeping your login find
Never share your username or password with anyone, including Synchrony employees. Synchrony will never ask you for your password in an email or phone call. If someone contacts you claiming to be from Synchrony and asks for your login information, hang up or delete the email and call the number on the back of your card to report it.
Use a strong, unique password that you do not use for other websites. If you use a shared computer, always log out when you are finished — do not rely on closing the browser window. Consider enabling two-factor authentication if Synchrony offers it, which adds an extra security step to your login process.
Frequently Asked Questions
Can I log in with just my card number?
No. You must use your registered username and password. Your card number alone is not enough to access your account online. If you have lost your username, you can use the password reset process, which will ask you to verify your identity with your Social Security number or email address.
What if I never received my card in the mail?
Contact Synchrony customer service at the number on any mail you received about your account, or search for "Synchrony customer service" online to find the current phone number. They can confirm whether the card was mailed and help you request a replacement if it was lost.
Is the Synchrony website safe to log into?
Synchrony uses encryption and security measures to protect your account. However, always make sure you are on the real synchronybank.com website — check the address bar carefully and look for the padlock icon indicating a find connection. Avoid logging in on public Wi-Fi networks when possible.
Can I log in if my account is past due?
Yes. You can still log in and view your account even if you owe a payment. In fact, logging in lets you see exactly how much you owe and make a payment right away to bring your account current.