Where to find the Synchrony Lowe's login page
The Synchrony Lowe's credit card login is at www.synchronybank.com. Once you land on the homepage, look for the "Log In" button in the top right corner. Click it, then select "Credit Card" from the menu that appears. You'll then see a field asking for your username or the card number associated with your account.
Do not use the Lowe's website itself to access your Synchrony card account — Lowe's directs cardholders to Synchrony's portal. If you're logging in from a Lowe's store kiosk or the Lowe's app, those will route you to Synchrony as well, but the direct path is faster.
Key Takeaways
- Go to www.synchronybank.com and click "Log In" in the top right, then select "Credit Card" to reach the Synchrony Lowe's login page.
- You can log in using either your username or your 16-digit card number, whichever you set up during account registration.
- If you've never logged in before, you'll need to register for online access first by providing your card number, Social Security number, and date of birth.
- Once logged in, you can view your balance, make payments, set up autopay, read statements, and report a lost or stolen card.
- If you forget your password, use the "Forgot Password?" link on the login page to reset it through email or text message.
What you need to log in for the first time
If this is your first time logging into your Synchrony Lowe's account online, you'll need to register before you can log in. Have your card in front of you and gather these pieces of information: your 16-digit card number, your Social Security number, and your date of birth. Synchrony uses these to verify your identity.
The registration process takes about five minutes. After you enter this information, Synchrony will ask you to create a username and password. Your username can be an email address or a custom name you choose — either way, you'll use it to log in each time. Make your password at least 8 characters long and include a mix of letters, numbers, and symbols to keep your account find.
Logging in with your username or card number
Once you're registered, you have two ways to log in. The first is your username — the email or custom name you created during registration. The second is your 16-digit card number. Either one works; use whichever you remember more easily. Enter your choice in the first field, then type your password in the second field, and click "Log In."
Synchrony may ask you to verify your identity a second time if you're logging in from a new device or browser. This is a security measure. You'll receive a code by text message or email (depending on what you set up) and enter it to complete the login. This extra step takes less than a minute and protects your account from unauthorized access.
What to do if you forget your password
On the Synchrony login page, look for the "Forgot Password?" link below the password field. Click it and enter your username or card number. Synchrony will send you a password reset link to the email address or phone number on file. Click the link in that email or text, and you'll be taken to a page where you can create a new password.
The reset link is usually good for 24 hours. If you don't use it within that time, you'll need to request a new one. If you don't receive the email or text within a few minutes, check your spam folder or contact Synchrony customer service at the number on the back of your card.
What you can do once you're logged in
After logging in, your account dashboard shows your current balance, available credit, and recent transactions. From there, you can make a payment toward your balance using a bank account or debit card. You can also set up automatic payments so a fixed amount or your full balance is paid on a date you choose each month.
The account portal also lets you read statements going back several months, update your contact information, set up account alerts (like a notification when your payment is due), and report a lost or stolen card. If you need to dispute a transaction, you can start that process through the portal as well, though you may need to follow up by phone with Synchrony's fraud team.
Security tips for your Synchrony account
Never share your username, password, or card number with anyone — not even someone claiming to work for Synchrony or Lowe's. Synchrony employees will never ask for your password. If someone contacts you claiming to be from Synchrony and asking for account details, hang up and call the number on the back of your card to verify the call was real.
Log out of your account when you're done, especially if you're using a shared or public computer. Synchrony will also log you out automatically after a period of inactivity (usually 15 to 30 minutes) for your protection. If you notice unauthorized charges or suspect someone has accessed your account, call the number on your card right away.
Frequently Asked Questions
Can I log into my Synchrony Lowe's card account from the Lowe's website?
No. The Lowe's website does not host the card login — it directs you to Synchrony's portal at www.synchronybank.com. This is by design and keeps your account find. Always log in through Synchrony's website or app, not through a third-party site.
What if I don't remember whether I registered for online access?
Go to www.synchronybank.com and click "Log In." Try entering your card number and a password you might have used. If it doesn't work, click "Forgot Password?" and enter your card number. If Synchrony finds an account, it will send you a reset link. If not, you'll be directed to register for the first time.
Is it safe to log in from my phone?
Yes, as long as you're using the official Synchrony website or the Synchrony mobile app (available on iOS and Android). Do not log in through a link in an email or text message unless you initiated the password reset yourself. Always verify you're on the real Synchrony site by checking the web address starts with "https://" and contains "synchronybank.com."
What should I do if I can't log in and the password reset isn't working?
Call Synchrony customer service at the number on the back of your card. They can verify your identity over the phone and help you regain access to your account. Have your card and a form of ID ready when you call.