Where to log in to your Synchrony credit card account
Synchrony operates the login portal at www.mysynchrony.com. This is where you access your account for any Synchrony-branded credit card, regardless of which retailer issued it. You will need your username and password, or you can log in using your Social Security number and ZIP code if you do not have a username yet.
The same login works across all Synchrony cards you hold — if you have a Synchrony Amazon card and a Synchrony Target card, one username and password opens both accounts. You do not need separate logins for each card.
Key Takeaways
- Log in at www.mysynchrony.com using your username and password, or create a username using your Social Security number and ZIP code.
- One Synchrony login gives you access to all Synchrony credit cards you hold, not just one.
- If you forget your password, use the "Forgot username or password?" link on the login page to reset it by email or text.
- You can view your balance, make payments, set up autopay, and read statements from your account dashboard.
- If you cannot log in after resetting your password, contact Synchrony customer service at the number on the back of your card.
Creating a username if you do not have one yet
If this is your first time logging in, you will not have a username. On the Synchrony login page, select "Create username" or "New user?" and follow the prompts. You will need your card number, Social Security number, and ZIP code to verify your identity.
Synchrony will ask you to create a username (usually your email address works well) and a password. Your password must be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character like ! or #. Once you complete these steps, you can log in when ready.
Resetting a forgotten password
Click "Forgot username or password?" on the login page. Synchrony will ask you to enter your card number or the email address associated with your account. You will then receive a password reset link by email or text message, depending on what you choose.
The reset link usually works for 24 hours. Click it, create a new password following the same rules (8 characters, mixed case, numbers, and a special character), and you can log in again. If you do not receive the email or text within a few minutes, check your spam folder or try the text option instead.
What you can do once you are logged in
Your account dashboard shows your current balance, available credit, and recent transactions. You can view your full statement for any month, read statements as PDFs, and see your payment due date and minimum payment amount.
From your account, you can also make a one-time payment, set up automatic monthly payments, update your contact information, change your password, and view your rewards balance if your card earns cash back or points. Some cards let you set spending alerts or freeze your card temporarily from the dashboard as well.
Two-factor authentication and security
Synchrony offers optional two-factor authentication, which adds a second step to your login. After you enter your username and password, Synchrony sends a code to your phone or email, and you must enter that code to complete the login. This makes your account harder to access if someone learns your password.
You can turn on two-factor authentication in your account settings under "Security" or "Login settings." It is not required, but it is worth using if you carry a high balance or want extra protection. You will need to verify your phone number or email address first.
Troubleshooting login problems
If you see an error message saying your username or password is incorrect, first check that you are typing them correctly — passwords are case-sensitive, so "MyPassword" is different from "mypassword." If you are still locked out, use the password reset link described above.
If you reset your password and still cannot log in, or if you see a message saying your account is locked, contact Synchrony customer service. The phone number is on the back of your card. Have your card number and Social Security number ready. Customer service can unlock your account or help you regain access if you believe your account has been compromised.
Logging in on mobile devices
You can log in to your Synchrony account on a phone or tablet using the same website (www.mysynchrony.com) in your browser, or you can read the Synchrony mobile app from the Apple App Store or Google Play Store. The app has the same features as the website — you can check your balance, make payments, and view statements.
The mobile app may be faster if you log in frequently, because you can use fingerprint or face recognition instead of typing your password each time. You still need to create your Synchrony username and password first, whether you use the website or the app.
Frequently Asked Questions
Can I log in to my Synchrony account if I do not have my card number?
You need your card number to create a username for the first time. If you have lost your card, call Synchrony customer service at the number on your statement or online bill. They can verify your identity and help you log in or reset your password without the card number.
What should I do if I see unauthorized charges after I log in?
Log in to your account and review your recent transactions. If you see charges you did not make, contact Synchrony customer service when ready using the number on the back of your card or in your statement. Synchrony can dispute the charge and may issue a temporary credit while they investigate.
Is it safe to log in to Synchrony on a public WiFi network?
Synchrony uses encryption to protect your login information, so logging in on public WiFi is generally safe. However, avoid logging in on a shared or public computer if possible. If you must use a public computer, log out completely when you are done and clear your browser history.
Can I change my username after I create it?
Most Synchrony accounts let you change your username in your account settings under "Profile" or "Account information." You will need to verify your identity first. If you cannot find the option, contact Synchrony customer service — they can change it for you.
What happens if I do not log in for a long time?
Your login credentials do not expire just from not using them. However, Synchrony may require you to verify your identity again if you have not logged in for several months. You can reset your password using the "Forgot username or password?" link if this happens.