Getting into your Shop Your Way credit card account online
The Shop Your Way credit card is issued by Synchrony Bank. To log into your account online, go to the Synchrony Bank website (synchronybank.com), select "Log In" at the top of the page, and choose "Shop Your Way Credit Card" from the list of card options. You'll enter your username and password — the same credentials you use if you already have a Synchrony account for another card.
If you don't have an online account yet, you can create one on that same login page by selecting "Enroll Now" or "Create Account." You'll need your card number, Social Security number, and date of birth. The account setup takes a few minutes and lets you see your balance, make payments, and review your statement right away.
Once you're logged in, your dashboard shows your current balance, available credit, recent transactions, and payment due date. You can set up automatic payments, read statements, update your contact information, and report a lost or stolen card from this same portal.
Key Takeaways
- Log in through synchronybank.com and select Shop Your Way Credit Card from the card options list.
- New cardholders can create an online account using their card number, Social Security number, and date of birth.
- Your online account lets you check your balance, make payments, set up autopay, and read statements.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or text.
- You can also call Synchrony customer service at the number on the back of your card to speak with a representative about your account.
What to do if you can't remember your password
Click "Forgot Password" on the Synchrony login page. You'll be asked to enter your username or the email address associated with your account. Synchrony will send you a password reset link by email or text message, depending on what you have on file. Click that link and create a new password — it should be at least 8 characters and include a mix of letters, numbers, and symbols.
If you don't receive the reset email within a few minutes, check your spam or junk folder. If the email still doesn't arrive, call the customer service number on the back of your card and a representative can help you reset your password over the phone.
Troubleshooting login problems
The most common reason a login fails is a typo in your username or password. Make sure Caps Lock is off and that you're entering the exact username you created — it's often your email address, but not always. If you're still locked out after a few attempts, the system may temporarily block your account for security. Wait 15 minutes and try again.
If you're using an older browser or a mobile device, clear your browser cache and cookies, then try logging in again. Some older versions of Internet Explorer or Safari can have trouble with the Synchrony website. If you're on a phone, try the Synchrony mobile app instead — you can read it from the Apple App Store or Google Play Store and log in with the same username and password.
If none of these steps work, contact Synchrony customer service directly. The phone number is on the back of your card. They can confirm your identity and either reset your account or help you troubleshoot what's happening.
Setting up automatic payments from your online account
Once you're logged in, look for "Payments" or "Make a Payment" in the main menu. Select "Set Up Autopay" or "Automatic Payments." You'll choose the amount you want to pay each month (minimum payment, statement balance, or a fixed amount you set), and the date the payment should come out of your bank account.
Synchrony will ask for your bank account number and routing number. You can find your routing number on the bottom left of any check, or by calling your bank. Once you confirm these details, your automatic payment will start on the date you chose and repeat every month until you cancel it.
Automatic payments reduce the chance you'll miss a due date, which protects your credit score. You can change or cancel your autopay anytime by logging back into your account and selecting "Manage Autopay."
Downloading your statements and transaction history
Your online account stores statements going back several months. Log in, find "Statements" or "Documents," and you'll see a list of past statements with dates. Click the one you want and select "read" or "View PDF." You can save these to your computer or print them.
If you need statements older than what appears online, call customer service and ask them to mail you copies or send them by email. There's usually no charge for this, though some banks charge a small fee for statements older than seven years.
What information you'll need to set up your account
To create a new online account, have these items ready: your Shop Your Way credit card number, your Social Security number, and your date of birth. If you already have a Synchrony account for a different card, you can use the same login for your Shop Your Way card — just add it to your existing account instead of creating a new one.
If you're setting up automatic payments, you'll also need your bank's routing number and your checking or savings account number. Your bank can provide both if you don't have a check handy.
Frequently Asked Questions
Can I log in on my phone?
Yes. You can log in through the mobile website (synchronybank.com on your phone's browser) or read the Synchrony mobile app from the Apple App Store or Google Play. The app and mobile website both show your balance, let you make payments, and let you view statements.
What if I'm locked out of my account for security reasons?
Synchrony locks accounts temporarily after several failed login attempts to protect against fraud. Wait 15 minutes and try again. If you're still locked out, call the number on the back of your card and a representative can unlock your account after confirming your identity.
Can I change my username?
Yes. Log in to your account, go to "Account Settings" or "Profile," and look for "Change Username" or "Update Login Information." You'll confirm your identity and create a new username. Your password stays the same unless you also want to change that.
Is it safe to log in on a public Wi-Fi network?
It's safer to use your home or mobile network. If you must use public Wi-Fi, avoid making payments or changing sensitive information like your password. Public networks can be intercepted by others. When you're home, you can handle those tasks securely.
What should I do if I see unauthorized charges on my account?
Log in and review your recent transactions right away. If you see charges you didn't make, call the customer service number on the back of your card when ready. Report the fraudulent charges and ask them to dispute them. Synchrony will investigate and may issue you a new card number.