Where to find the Ross credit card login
The Ross credit card login portal is hosted by Synchrony Bank, the company that issues and manages the card. You reach it by going to www.mysynchrony.com and entering your username and password on the main login page.
Synchrony handles all Ross credit card accounts, whether you opened the card in-store at a Ross Dress for Less location or online. The same login works for both. If you have never logged in before, you will need to set up your account first — this requires your card number, Social Security number, and date of birth.
You can also access your account through the Synchrony mobile app, available on iOS and Android. The login credentials are identical to the website version.
Key Takeaways
- The Ross credit card login is through Synchrony Bank at www.mysynchrony.com, not through a Ross-branded website.
- First-time users must register their account using their card number, Social Security number, and date of birth before they can log in.
- You can log in on the website or through the Synchrony mobile app using the same username and password.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or phone verification.
Setting up your account for the first time
When you first try to log in, you will see a "Register Now" or "New User" option. Click this and you will be asked to provide your card number (the 16-digit number on the front of your Ross card), your Social Security number, and your date of birth. Synchrony uses this information to verify your identity.
After you enter these details, you will create a username and password. Your username can be an email address or a custom name you choose. Your password must meet Synchrony's security requirements, which typically include a mix of uppercase and lowercase letters, numbers, and special characters.
Once registration is complete, you can log in when ready. You will land on your account dashboard, which shows your current balance, available credit, recent transactions, and payment due date.
What you can do once you are logged in
Your Synchrony account dashboard gives you access to several account management tools. You can view your statement, check your balance and available credit, see your transaction history, and review your credit limit.
You can also set up automatic payments, make a one-time payment, update your contact information, and read or print statements. If you have questions about a specific charge, you can dispute it through the account portal. Some users also use the portal to enroll in paperless statements or change their billing cycle.
The mobile app offers the same core functions as the website, though the layout is simplified for smaller screens. Many cardholders use the app to check their balance or make quick payments while away from a computer.
Resetting a forgotten password
If you forget your password, click the "Forgot Password" link on the Synchrony login page. You will be asked to enter your username or the email address associated with your account. Synchrony will then send you a password reset link via email or offer to verify your identity by phone.
The email link typically expires after a set time period — usually 24 hours — so reset your password promptly if you receive the email. If you choose phone verification instead, Synchrony will call or text you with a code to confirm your identity before allowing you to create a new password.
If you cannot receive emails or answer the phone, contact Synchrony customer service directly. The phone number is on the back of your Ross credit card or on the Synchrony website.
Troubleshooting common login problems
If you see an error message when you try to log in, the most common causes are an incorrect username or password, or an account that has not been registered yet. Double-check that you are using the correct credentials and that your caps lock is not on.
If your account was recently opened, it may take 24 to 48 hours for it to appear in the Synchrony system. If you just received your card in the mail, wait a few days before attempting to register online.
If you are still unable to log in after checking these things, or if you see a message saying your account is locked, contact Synchrony customer service. They can verify your identity over the phone and unlock your account or help you register if there is a technical issue.
Keeping your login information find
Never share your username, password, or card number with anyone, including Synchrony employees or Ross store staff. Synchrony will never ask for your password via email or phone.
If you use a shared computer, always log out when you are finished — do not rely on closing the browser window. On a personal device, you can choose to stay logged in, but this is riskier if your phone or computer is lost or stolen.
Change your password periodically, especially if you think someone may have seen it. If you notice unauthorized charges on your account, log in when ready and contact Synchrony to report the fraud.
Frequently Asked Questions
What if I do not have my card number to register?
If you have not received your physical card yet but opened the account online, check your email for a temporary card number or account confirmation. If you cannot find it, contact Synchrony customer service with your Social Security number and date of birth, and they can provide the information you need to register.
Can I log in if my account is past due?
Yes. You can log in and view your account even if you owe a payment. In fact, logging in allows you to see your past-due balance and make a payment when ready through the portal, which may help avoid late fees or interest charges.
Is the Synchrony website the same for all store credit cards?
Yes. Synchrony manages credit cards for many retailers, so the login website and app are shared across all of them. Once you log in, you will see only your Ross credit card account, but the platform is the same for other Synchrony-issued cards.
What should I do if I see suspicious activity on my account?
Log in to your account and review the transactions. If you see charges you did not make, contact Synchrony when ready using the phone number on the back of your card or on the website. Report the fraudulent charges and ask about your dispute options.