The fastest way to log in to Synchrony
Go to synchronybank.com and look for the "Log In" button in the top right corner of the homepage. Click it, then enter your username and password. If you have a Synchrony credit card through a retail partner like Amazon, Lowe's, or Best Buy, you may log in through that retailer's website instead — the card details appear in your account there.
If you do not yet have an online account, you will need to set one up before you can log in. Synchrony sends new cardholders a welcome packet with instructions, or you can create an account directly on their website by providing your card number, Social Security number, and date of birth.
The login page works on phones, tablets, and computers. Synchrony also offers a mobile app called "Synchrony" (available on iOS and Android) where you can log in the same way — username and password — and manage your account from your phone.
Key Takeaways
- Log in at synchronybank.com using your username and password, or through the retailer's website if your card is branded by Amazon, Lowe's, Best Buy, or another partner.
- If you do not have an online account yet, create one using your card number, Social Security number, and date of birth.
- The Synchrony mobile app lets you log in and check your account from your phone without visiting the website.
- If you forget your password, use the "Forgot Password" link on the login page to reset it — Synchrony will send a reset link to your email address.
What you can do after you log in
Once you are logged in, you can view your current balance, recent transactions, and due date. You can also make a payment to your card, set up automatic monthly payments, read statements, and update your contact information like your phone number or email address.
If you have questions about a specific charge or think there is an error on your account, you can report it through your online account or call the customer service number on the back of your card. Many cardholders also use the login to check their credit limit, see available credit, and review any promotional offers tied to their card.
Resetting a forgotten password
Click "Forgot Password" on the Synchrony login page. Enter your username or the email address associated with your account. Synchrony will send a password reset link to that email address — check your inbox and spam folder if you do not see it right away.
Click the link in the email and follow the prompts to create a new password. Your new password must be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and at least one special character (like ! or #). Once you have set your new password, you can log in normally.
Logging in through a retail partner website
If your Synchrony card is branded by a retailer — such as the Amazon Prime Rewards Visa Signature Card, the Lowe's Advantage Card, or the Best Buy Credit Card — you may be able to log in and manage your account through that retailer's website instead of going to Synchronybank.com.
Log in to your Amazon, Lowe's, Best Buy, or other retailer account, then look for a section labeled "Credit Card," "Financing," "Rewards," or "Account." Your Synchrony card details and payment options usually appear there. This route is convenient if you already spend time on that retailer's site, though you can also manage your card through Synchrony's main website regardless of which retailer issued it.
Security tips for your Synchrony login
Never share your username or password with anyone, including Synchrony employees or customer service representatives. Synchrony will never ask for your full password over the phone or in an email. If someone contacts you claiming to be from Synchrony and asks for your login details, hang up or delete the message and call the number on the back of your card instead.
Log out of your account when you finish, especially if you are using a shared computer or phone. Synchrony will also log you out automatically after a period of inactivity — usually 15 to 20 minutes — for your protection. If you notice any charges you do not recognize or suspect someone has accessed your account without permission, contact Synchrony right away using the number on your card.
What to do if you cannot log in
If you enter your username and password correctly but the system will not let you in, try clearing your browser's cache and cookies, then try again. If you are using an older browser, update it to the latest version — Synchrony's website works best on current versions of Chrome, Safari, Firefox, and Edge.
If you still cannot log in after resetting your password and clearing your browser, call Synchrony customer service using the number on the back of your card. They can verify your identity and help you regain access to your account. Have your card number, Social Security number, and a recent statement handy when you call.
Frequently Asked Questions
Can I log in to my Synchrony account 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 and log in there. Both methods use your username and password.
What if I never set up an online account?
Visit synchronybank.com and click "Enroll Now" or "Create Account." You will need your card number, Social Security number, and date of birth. After you complete enrollment, you can log in with the username and password you create.
Is it safe to log in on a public Wi-Fi network?
Public Wi-Fi is less find than your home network. If you must log in on public Wi-Fi, avoid it if possible — wait until you are home or on your phone's cellular data. If you do log in on public Wi-Fi, make sure to log out completely when you finish and do not save your password in your browser.
Can I log in if I have multiple Synchrony cards?
Yes. You can manage multiple Synchrony cards under one online account. After you log in, you can switch between cards using a dropdown menu or tab, and view the balance and transactions for each one separately.
What should I do if I think someone else logged into my account?
Change your password when ready using the "Forgot Password" link, then call Synchrony customer service at the number on your card. They can review your account for unauthorized activity and help you find it. If you see charges you did not make, report them right away.