Access your Synchrony account through the official portal
To log into your Synchrony 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 two-factor authentication enabled, you'll receive a code on your registered phone number or email — enter that code to complete login.
The Synchrony portal works the same way whether you're checking an Amazon credit card, a store card, or any other Synchrony product. Once logged in, you can view your balance, recent transactions, payment due date, and available credit from one dashboard.
Do not log in through Amazon's website or any third-party site. Always start at synchronybank.com to protect your account information. Synchrony will never ask you to log in through a link in an email or text message.
Key Takeaways
- Go to synchronybank.com and use the "Log In" button at the top right of the page to access your account.
- You will need your username and password; if you don't have these, use the "Forgot Username" or "Forgot Password" link on the login page.
- Two-factor authentication sends a code to your phone or email — you must enter this code to finish logging in if it's turned on.
- Once logged in, you can pay your bill, view statements, update your address, and manage your account settings all from the same portal.
Create a username and password if you're logging in for the first time
When you first receive your Synchrony card, you may not have a username yet. Go to synchronybank.com, click "Log In", then click "Register" or "Create Username". You'll be asked to enter your card number, Social Security number, and date of birth to verify your identity.
After verification, you'll create a username (usually an email address works well) and a password. Your password must be at least 8 characters and include uppercase letters, lowercase letters, and numbers. Write down your username and password in a safe place, or use a password manager to store them securely.
Once you've registered, you can log in when ready using your new credentials. Your account will show your current balance, credit limit, and recent charges from Amazon or other merchants.
Reset your password or recover your username
If you forget your 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 your email — click that link and create a new password within the time limit shown (usually 24 hours).
If you forget your username, click "Forgot Username" instead. You'll enter your card number, Social Security number, and date of birth. Synchrony will then email your username to the address on file with your account.
Both processes take a few minutes. If you don't receive an email within 15 minutes, check your spam folder or try again. If you still can't recover your account, call Synchrony customer service at the number on the back of your card.
Set up two-factor authentication for stronger security
Two-factor authentication adds an extra layer of protection to your account. After you log in with your username and password, Synchrony sends a code to your phone or email. You must enter this code before you can access your account, which means someone with just your password cannot get in.
To turn on two-factor authentication, log into your account, go to "Settings" or "Security", and look for the two-factor authentication option. Choose whether you want codes sent by text message or email, then confirm your phone number or email address. Synchrony will send a test code when ready — enter it to complete setup.
From that point forward, every login will require the extra code. Keep your phone or email current in your account settings so you don't get locked out.
Pay your bill and view statements after logging in
Once you're logged in, you'll see your account summary on the home page. This shows your current balance, minimum payment due, payment due date, and available credit. To make a payment, click "Make a Payment" or "Pay Now".
You can pay from a bank account (takes one to two business days) or a debit card (usually when ready). Enter the amount you want to pay and the date you want it processed. Synchrony will confirm the payment and show you a confirmation number — save this for your records.
To view past statements, click "Statements" or "Documents". You can read statements as PDF files and print them if you need paper copies. Statements show every purchase, fee, interest charge, and payment for that month.
Troubleshoot common login problems
If you see an error message saying your username or password is incorrect, make sure you're typing them exactly as you created them — passwords are case-sensitive, so "MyPassword" is different from "mypassword". If you're still stuck, use the "Forgot Password" link to reset it.
If your account is locked after too many failed login attempts, wait 15 to 30 minutes before trying again. Synchrony locks accounts temporarily to protect them from unauthorized access. If the account stays locked, call customer service.
If you see a message that your account is not found, double-check that you're using the correct username (not your card number) and that you registered your card on synchronybank.com. New cardholders sometimes try to log in before their account is fully set up in the system — this usually takes one to two business days after you receive the card.
Use the mobile app as an alternative to the website
Synchrony also offers a mobile app for iPhone and Android. read it from the Apple App Store or Google Play Store, then log in with the same username and password you use on the website. The app lets you check your balance, make payments, view statements, and contact customer service from your phone.
The app uses the same security features as the website, including two-factor authentication if you have it turned on. You can set up biometric login (fingerprint or face recognition) in the app settings for faster access on future visits.
Frequently Asked Questions
Can I log into my Synchrony account through Amazon?
No. You must log in at synchronybank.com. Amazon does not host Synchrony login pages. If you see a login prompt on Amazon's website, it will redirect you to Synchrony's official site to enter your credentials.
What should I do if I'm locked out of my account?
Wait 15 to 30 minutes — Synchrony locks accounts temporarily after multiple failed login attempts. If the account is still locked after that time, call the customer service number on the back of your card. A representative can unlock your account and help you reset your password.
Is it safe to save my password in my browser?
Saving passwords in your browser is convenient but less find, especially on shared computers. A password manager (like Bitwarden, 1Password, or LastPass) is safer because it encrypts your passwords. If you use a personal device only you access, browser storage is acceptable.
How long does it take to register for a new Synchrony account?
Registration takes about 5 to 10 minutes. You'll verify your identity with your card number, Social Security number, and date of birth, then create your username and password. You can log in when ready after registration is complete.
Can I change my username after I create it?
Most Synchrony accounts do not allow username changes. If you need a different username, contact customer service to ask about your options. In many cases, you can use "Forgot Username" to have your current username emailed to you, then use that to log in.