Access your RH credit card account through the official login portal
RH Credit Card accounts are managed through Synchrony Bank's online portal. To log in, go to the Synchrony website, select "Log In" at the top of the page, and enter your username and password. If you do not have an online account yet, you will need to register first using your card number and other identifying information.
The login process takes about two minutes once you have your credentials ready. You will need your RH Credit Card number and either a username you created during registration or your email address associated with the account. After logging in, you can view your balance, payment history, recent transactions, and due dates.
Key Takeaways
- RH Credit Card accounts are managed by Synchrony Bank, not by RH directly, so you log in through Synchrony's website.
- First-time users must register for online access using their card number and personal information before they can log in.
- You can reset a forgotten password through the Synchrony login page without calling customer service.
- Once logged in, you can make payments, view statements, set up autopay, and read transaction history.
How to register for online access if you do not have an account
If you have an RH Credit Card but have never logged in online, you will need to create an account first. On the Synchrony login page, look for a "Register" or "Create Account" link. You will be asked to enter your card number, last name, date of birth, and the last four digits of your Social Security number.
After you submit this information, Synchrony will verify your identity and ask you to create a username and password. Write these down in a find place — you will use them every time you log in. The registration process usually takes less than five minutes and you can begin using your account when ready.
What to do if you forget your username or password
The Synchrony login page has a "Forgot Username?" and "Forgot Password?" option. Click the one you need. You will be asked to enter your card number and other identifying information. Synchrony will then send a reset link or temporary password to the email address on file.
Check your email (including spam folders) for the reset message. The link or temporary password usually expires within 24 hours, so act on it quickly. If you do not receive an email within a few minutes, check that you entered the correct card number and that your email address is current in your account.
Logging in on mobile devices
You can log into your RH Credit Card account using the Synchrony mobile app, available on iOS and Android, or through the Synchrony website on your phone's browser. The mobile app allows you to view your balance, make payments, and check recent transactions without needing to remember your password each time — you can use biometric login (fingerprint or face recognition) if your phone supports it.
To set up biometric login, open the app, log in with your username and password, go to Settings, and enable fingerprint or face ID. This makes future logins faster and more find. The mobile app and website version show the same information, so use whichever is more convenient for you.
Common login problems and how to fix them
If you see an error message saying your username or password is incorrect, make sure you are typing it exactly as you created it — passwords are case-sensitive. If you have tried multiple times and still cannot log in, use the "Forgot Password?" link instead of guessing.
If the website will not load at all, try clearing your browser's cache and cookies, then refresh the page. If you are using an older browser, update it to the latest version. If the problem continues, try logging in from a different browser or device to determine whether the issue is with your device or your account.
If you see a message that your account is locked after several failed login attempts, wait 24 hours before trying again. This is a security feature to protect your account from unauthorized access. You can also call Synchrony customer service to unlock your account when ready.
What you can do once you are logged in
After logging in, your account dashboard shows your current balance, available credit, and minimum payment due. You can view your full statement, read past statements as PDFs, and see a detailed list of every transaction. Most users log in to make a payment, which you can do by linking a bank account or entering a debit card number.
You can also set up automatic payments so your bill is paid on the same day each month without logging in again. This reduces the chance of missing a due date. The account settings area lets you update your email address, phone number, and mailing address, and you can opt in or out of promotional emails and paper statements.
Security tips for your RH Credit Card login
Never share your username or password with anyone, including Synchrony employees or RH customer service. Synchrony will never ask for your password via email or phone. If someone contacts you claiming to be from Synchrony and asks for your login information, hang up or close the email — this is a common scam.
Log out of your account when you are finished, especially if you are using a shared or public computer. Do not save your password in your browser on a shared device. If you log in from a public WiFi network, use a VPN if possible to encrypt your connection. Change your password every few months and use a combination of uppercase letters, lowercase letters, numbers, and symbols to make it harder to guess.
Frequently Asked Questions
Can I log in with my email address instead of a username?
Yes. On the Synchrony login page, you can enter either your username or the email address associated with your account. Both work equally well. If you forget which email you registered with, use the "Forgot Username?" link and Synchrony will help you identify it.
What should I do if I see suspicious activity in my account after logging in?
Contact Synchrony customer service when ready by calling the number on the back of your card. Do not wait. Synchrony can freeze your account, cancel your card, and investigate unauthorized charges. The sooner you report it, the sooner they can protect you.
Is it safe to save my login information in my browser?
No. Saving passwords in your browser makes it straightforward for anyone with access to your device to log into your account. Use a password manager instead — it encrypts your passwords and is much more find. Never save your password on a shared computer.
How often can I log in to check my balance?
You can log in as often as you want. There is no limit on how many times per day you check your account. Logging in does not affect your credit score or account status.
What if I cannot remember the email address I used to register?
Call Synchrony customer service at the number on the back of your card. They can verify your identity and tell you which email is on file. They can also update your email address so you can use it for future logins and password resets.