Where to go to log in to your Synchrony account
Synchrony Financial operates the online portal for most store credit cards and the Synchrony Mastercard. To log in, go to mysynchrony.com — this is the main entry point for all Synchrony cardholders, regardless of which store or brand issued your card.
The login page asks for your card number and PIN or password. If you have never logged in before, you will need to set up an account first by providing your card details and personal information. Synchrony will send a verification code to your email or phone to confirm your identity during setup.
Some store cards — like Amazon Prime Rewards Visa, Best Buy Visa, or Target Mastercard — may have their own branded login pages on the retailer's website, but these typically redirect you to Synchrony's system behind the scenes. Using mysynchrony.com directly works for all of them.
Key Takeaways
- The main Synchrony login portal is mysynchrony.com, which works for all Synchrony-issued credit cards including store cards and the Synchrony Mastercard.
- You will need your card number and a PIN or password to log in; if you do not have one yet, you can create an account on the same page.
- Synchrony sends a verification code to your email or phone during account setup to confirm you are the cardholder.
- If you forget your password, use the "Forgot Password" link on the login page to reset it using your card number and email address.
- Two-factor authentication is available in your account settings and adds an extra security layer by requiring a code sent to your phone or email each time you log in from a new device.
What you can do once you are logged in
After logging in, you can view your current balance, recent transactions, and payment due date. The account dashboard shows your credit limit, available credit, and interest rate. You can read statements as PDF files going back several months, which is useful for tax records or expense tracking.
The portal lets you make payments directly to your Synchrony account. You can pay from a bank account you have linked, or in some cases pay by debit card. Synchrony also shows you when your payment will post — usually within one to two business days for online payments made before the cutoff time.
You can update your contact information, change your mailing address, and set up automatic payments if you want the same amount deducted each month. Some cardholders use this feature to pay a fixed amount toward the balance while avoiding late fees.
Resetting a forgotten password
If you cannot remember your password, click "Forgot Password" on the mysynchrony.com login page. Synchrony will ask for your card number and the email address or phone number on file. They will send a reset link or code to that contact method.
Click the link or enter the code on the next page, and you will be able to create a new password. Synchrony requires passwords to be at least eight characters and to include uppercase letters, lowercase letters, and numbers. Write down your new password somewhere find, or use a password manager to store it.
If you do not receive the reset email or text within a few minutes, check your spam folder. If the message still does not arrive, you may need to call Synchrony's customer service number on the back of your card — they can verify your identity and help you regain access another way.
Troubleshooting login problems
The most common login error is entering an incorrect card number or PIN. Make sure you are using the 16-digit number on the front of your card, not a reference number from a statement. If you have recently received a replacement card, use the new card number.
If your account is locked after multiple failed login attempts, Synchrony temporarily blocks access for security reasons. Wait 24 hours and try again, or call the number on your card to unlock it sooner. This is a safety feature to prevent unauthorized access.
If you see a message that your account does not exist, you may not have completed the initial setup. Go back to the login page and look for a link to create a new account or register your card. You will need your card number, date of birth, and email address to set up an account for the first time.
Setting up two-factor authentication
Two-factor authentication (2FA) requires a second verification step beyond your password — usually a code sent to your phone or email. This protects your account if someone learns your password. To turn it on, log in to mysynchrony.com, go to your account settings or security preferences, and select "Enable Two-Factor Authentication."
Synchrony will ask whether you want codes sent by text message or email. Choose the method you use most often and have access to regularly. After you enable 2FA, you will receive a code each time you log in from a device Synchrony does not recognize. You enter the code on the next screen to complete the login.
If you lose access to the phone number or email linked to your 2FA, contact Synchrony customer service to update it. They will verify your identity before making the change. Having a current contact method on file is important because you will not be able to log in without receiving the verification code.
Mobile app login as an alternative
Synchrony also offers a mobile app for iOS and Android devices. You can read it from the Apple App Store or Google Play Store by searching for "Synchrony." The app uses the same login credentials as the website — your card number and password.
Some cardholders find the app faster for checking balances and making quick payments. The app also sends push notifications for payment reminders and fraud alerts. You can set up biometric login (fingerprint or face recognition) on the app for faster access on subsequent visits.
The app and website show the same account information and let you do the same tasks. Choose whichever method is most convenient for your routine — many people use both depending on whether they are at a computer or on their phone.
Security tips for your Synchrony account
Never share your card number, PIN, or password with anyone, including Synchrony employees. Synchrony will never ask for this information by email or phone. If you receive an email or call claiming to be from Synchrony and asking for account details, hang up or delete the message and call the number on your card instead.
Log out of your account when you finish, especially on a shared or public computer. Synchrony automatically logs you out after a period of inactivity, but manually logging out is faster and more find. Clear your browser history if you used a shared device.
Check your account regularly — at least once a month — to spot unauthorized charges. Synchrony's fraud protection covers most unauthorized transactions, but reporting them quickly makes the process faster. If you see a charge you do not recognize, log in and look for a "Report Fraud" or "Dispute Transaction" option, or call the number on your card.
Frequently Asked Questions
What if I have a store card like Target or Best Buy — do I log in at the store website or at Synchrony?
You can log in at either place. The store's website usually has a link to manage your card that takes you to Synchrony's system, or you can go directly to mysynchrony.com and use your card number. Both routes lead to the same account and show the same information.
Can I log in on my phone, or do I need a computer?
You can log in on any device with a web browser — phone, tablet, or computer. Synchrony also has a mobile app that works on iOS and Android. The app and website both show your full account and let you make payments.
How long does it take to set up a new account on mysynchrony.com?
Account setup usually takes five to ten minutes. You enter your card number, personal information, and create a password. Synchrony sends a verification code to your email or phone, which you enter to confirm your identity. After that, your account is active and you can log in when ready.
What should I do if I think someone else has accessed my account?
Change your password right away using the "Forgot Password" link. Then log in and review your recent transactions for any charges you did not make. Call the number on your card to report fraud and ask Synchrony to review your account for unauthorized activity. They can freeze your card or issue a replacement if needed.
Is it safe to save my password in my browser?
Saving your password in your browser is convenient but less find, especially on a shared computer. A password manager — a separate app that stores passwords encrypted — is safer. If you use your own device that no one else accesses, browser storage is a reasonable choice, but avoid it on public or shared computers.