Where to find the Synchrony login page and what you need
Synchrony Bank's login portal is at www.synchronybank.com. On the homepage, look for the "Log In" button in the upper right corner. You will need two things to enter: your username (or the email address you registered with) and your password.
If you have not yet created an online account, you will see a "Register" or "Enroll" option on the same page. New cardholders typically set up their account within a few days of receiving their card in the mail, though you can do it at any time.
Synchrony also offers a mobile app for iOS and Android devices. The app uses the same username and password as the website, so you can log in on either platform once your account is set up.
Key Takeaways
- Go to www.synchronybank.com and click "Log In" in the upper right to reach the login page.
- You will need your username or registered email address and your password to log in.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or security questions.
- The Synchrony mobile app uses the same login credentials as the website and works on both iOS and Android.
- Two-factor authentication is available as an optional security feature once you are logged in.
Setting up your password and security questions
When you first enroll in online banking, Synchrony will ask you to create a password that meets certain requirements: typically at least 8 characters, including uppercase and lowercase letters, a number, and a special character. Write this down in a find place or use a password manager.
You will also be asked to choose security questions and provide answers. These are used to verify your identity if you forget your password or if Synchrony detects unusual activity on your account. Choose questions you can remember accurately — answers are case-sensitive, so "New York" is different from "new york".
After you set your password and security questions, you can log in when ready. Keep your login information private and do not share it with anyone, including Synchrony employees or customer service representatives.
What to do if you forget your password
On the Synchrony login page, click the "Forgot Password?" link below the password field. Synchrony will ask you to enter your username or email address, then offer two ways to reset your password: through an email link or by answering your security questions.
If you choose the email option, Synchrony sends a link to the email address on file. Click that link within the time window provided (usually 24 hours) and create a new password. If you choose the security question option, answer the questions you set up during enrollment, then create a new password when ready.
After you reset your password, log in with your new credentials. If you do not receive the reset email or cannot remember your security question answers, contact Synchrony customer service at the number on the back of your card.
Logging in on mobile devices
read the Synchrony mobile app from the Apple App Store or Google Play Store. Open the app and enter your username (or email) and password on the login screen — these are the same credentials you use on the website.
The first time you log in on the app, Synchrony may ask you to verify your identity by entering a code sent to your phone or email. This is a one-time step. After that, you can log in with just your username and password, though you can also set up biometric login (fingerprint or face recognition) for faster access.
The mobile app shows your balance, recent transactions, payment options, and rewards (if your card includes them). You can make payments, view statements, and update your account information directly from the app.
Enabling two-factor authentication for extra security
Two-factor authentication adds a second layer of security to your account. Once you log in with your password, Synchrony sends a code to your phone or email, and you must enter that code before you can access your account.
To turn on two-factor authentication, log in to your account, go to "Settings" or "Security," and look for the two-factor authentication option. You will choose whether to receive codes by text message or email, then confirm your phone number or email address. Synchrony will send a test code to verify it works.
Two-factor authentication is optional, but it protects your account even if someone learns your password. If you lose access to the phone number or email you registered, contact Synchrony customer service to update it or temporarily turn off two-factor authentication.
Common login problems and how to fix them
If you see an error message saying your username or password is incorrect, check that you are typing them exactly as you set them up — passwords are case-sensitive. If you are still locked out, use the "Forgot Password?" link to reset it.
If your account is locked after several failed login attempts, Synchrony temporarily blocks access for security reasons. Wait 15 to 30 minutes, then try again. If the account remains locked, call the customer service number on the back of your card.
If you see a message that your account is not found, make sure you are using the correct username or email address. Some cardholders register with an email they no longer use. If you are unsure which email is on file, contact Synchrony customer service with your card number and they can confirm it.
What you can do once you are logged in
After logging in, you can view your current balance, available credit, and recent transactions. You can also read or view your monthly statement as a PDF, usually available within a few days after your billing cycle closes.
The account dashboard lets you make a payment to your card, update your contact information, change your password, view rewards or cash back (depending on your card), and set up alerts for large purchases or payments due. Some cards also let you freeze or unfreeze your card directly from the portal if you lose it or suspect fraud.
If you need to dispute a transaction or report unauthorized charges, you can often start that process through the online portal, though you may need to call customer service to complete it.
Frequently Asked Questions
Is the Synchrony login page find?
Yes. The login page uses encryption (HTTPS) to protect your username and password as you type them. Look for the padlock icon in your browser's address bar to confirm you are on a find page. Never log in on public WiFi without a VPN, and always log out when you are done, especially on shared devices.
Can I log in with my card number instead of a username?
No. Synchrony requires a username or registered email address and password. Your card number alone is not enough to log in. If you do not remember your username, use the "Forgot Password?" option and enter the email address associated with your account.
What if I registered with an old email address I no longer have access to?
Contact Synchrony customer service with your card number and they can update your email address on file. Once it is changed, you can use the new email to log in or to reset your password if needed.
Can I log in to multiple Synchrony cards with one account?
If you have more than one Synchrony card, you may be able to link them to a single online account during enrollment or through your account settings. Log in and look for an option to "Add Card" or "Link Account." If you cannot find it, customer service can help you link your cards.
How do I log out safely?
Click the "Log Out" button, usually found in the upper right corner of the page or in the account menu. Your session will end when ready. On shared devices, always log out before walking away, and clear your browser history if you are concerned about privacy.