How to sign in to your Synchrony Bank credit card account
Go to synchronybank.com and click "Log In" in the top right corner. Enter your username and password, then click "Sign In". If you have a Synchrony credit card through a retail partner — like Amazon, Target, or Best Buy — you may need to log in through that retailer's website instead, because some cards are branded and managed separately.
If you do not yet have an online account, you will need to create one before you can log in. You can set this up on the same Synchrony Bank homepage by clicking "Enroll Now" and following the prompts. You will need your card number, Social Security number, and date of birth to register.
Once you are logged in, you can view your balance, make payments, review transactions, set up automatic payments, and manage your account settings all from the dashboard.
Key Takeaways
- Log in at synchronybank.com using your username and password, or through your retailer's website if your card is branded by Amazon, Target, Best Buy, or another partner.
- If you do not have an account yet, create one on the Synchrony homepage using your card number, Social Security number, and date of birth.
- You can pay your bill, check your balance, view statements, and change your account settings once you are logged in.
- If you forget your password, use the "Forgot Username or Password?" link on the login page to reset it by email or security questions.
- Two-factor authentication is available as an optional security feature to protect your account.
What to do if you forgot your username or password
Click "Forgot Username or Password?" on the Synchrony Bank login page. You will be asked to enter your card number and date of birth. Synchrony will then send a reset link to the email address on file with your account, or you can answer security questions to reset your credentials right away.
If you do not receive an email within a few minutes, check your spam folder. If the email never arrives, you can call Synchrony customer service at the number on the back of your card to verify your identity and reset your password over the phone.
Setting up two-factor authentication for extra security
Two-factor authentication adds a second layer of security by requiring a code sent to your phone or email each time you log in from a new device. Once you are logged in, go to "Settings" or "Security Settings" in your account menu and look for the two-factor authentication option.
You can choose to receive codes by text message or email. Synchrony will ask you to confirm a phone number or email address, then send a test code to make sure it works. After that, every login from an unrecognized device will prompt you to enter the code before you can access your account.
Paying your bill through the online portal
After you log in, click "Make a Payment" or "Pay Now" on your dashboard. You can pay from a bank account (which usually takes one to two business days) or by debit card (which processes when ready but may have a small fee). Enter the amount you want to pay and choose your payment method.
You can also set up automatic payments so your bill is paid on the same day each month. Go to "Manage Autopay" in your account settings, choose your payment amount and due date, and confirm. Automatic payments reduce the risk of missing a due date and triggering a late fee.
Viewing your statement and transaction history
Your current statement and past statements are available under "Statements" or "Documents" in your account. You can view statements from the past 24 months without logging in to a separate system. Each statement shows your opening balance, all purchases and payments, interest charges, and your closing balance.
To see individual transactions, click on any statement or go to "Activity" or "Transactions" on your dashboard. You can filter by date range or search for a specific merchant. If you spot a transaction you do not recognize, you can report it as unauthorized through the same menu.
Troubleshooting common login problems
If you see an error message that says "Invalid username or password," double-check that you are using the correct credentials. Passwords are case-sensitive, so make sure Caps Lock is off. If you have tried multiple times and still cannot log in, wait 15 minutes before trying again — Synchrony temporarily locks accounts after several failed login attempts for security.
If you are having trouble logging in on your phone, try clearing your browser cache and cookies, or use the Synchrony mobile app instead of the website. The app is available on iOS and Android and offers the same features as the website. If problems persist, contact Synchrony customer service at the number on your card.
Logging in through a retail partner's website
If your credit card is a branded card issued through a retailer — such as the Amazon Prime Rewards Visa, Target RedCard, or Best Buy credit card — you may need to log in through that retailer's website rather than synchronybank.com. Look for a "Manage Your Card" or "Account" link on the retailer's site, usually in the customer service or account section.
Some retailers let you log in with your existing retailer account credentials, while others require you to set up a separate Synchrony login. Check the retailer's help section or contact their customer service if you are unsure which login method to use. Once you are logged in through the retailer, you will see the same payment and statement options as you would on the Synchrony website.
Frequently Asked Questions
Can I log in to Synchrony Bank on my phone?
Yes. You can log in through the Synchrony website on your phone's browser, or read the Synchrony mobile app from the Apple App Store or Google Play Store. The app offers the same features as the website and may be faster to use on a smaller screen.
What should I do if my account is locked?
If you enter your password incorrectly several times in a row, Synchrony locks your account temporarily for security. Wait 15 minutes and try again. If your account remains locked, call the customer service number on the back of your card to unlock it.
Is it safe to log in to Synchrony Bank on a public Wi-Fi network?
It is safer to log in on a private network, but if you must use public Wi-Fi, make sure you are on the real Synchrony website (check the URL carefully) and consider using a VPN. Never log in on a public computer that you do not trust.
Can I change my username after I create it?
Usernames are typically permanent on the Synchrony platform. If you want to use a different username, contact Synchrony customer service to see what options are available for your specific account.
What happens if I do not log in for a long time?
Your account remains active and your card continues to work. However, if you have not logged in for an extended period, Synchrony may require you to verify your identity again before allowing you to access sensitive features like changing your password or payment method.