Go to the Synchrony login page and enter your username and password
The Synchrony Mastercard login portal is at www.synchronybank.com. On the homepage, look for the "Log In" button in the top right corner. Click it, and you will see fields for your username and password. Enter both and click "Sign In".
If you have not yet created an online account, you will need to do that first. You can register on the same login page by clicking "Enroll Now" or "Create Account" — the exact link name varies slightly depending on which Synchrony product you hold, but it is always visible on the login screen.
Key Takeaways
- The Synchrony Mastercard login page is at www.synchronybank.com, where you enter your username and password to access your account.
- If you forget your password, use the "Forgot Password?" link on the login page to reset it using your email address or the last four digits of your Social Security number.
- Two-factor authentication may be required on your first login from a new device; Synchrony will send a code to your email or phone.
- Once logged in, you can view your balance, recent transactions, payment history, and make a payment directly from your account dashboard.
- If you cannot log in after trying these steps, contact Synchrony customer service at the number on the back of your card.
Reset your password if you have forgotten it
On the Synchrony login page, click the "Forgot Password?" link below the password field. You will be asked to verify your identity using either your email address or the last four digits of your Social Security number, depending on what information Synchrony has on file.
After you verify your identity, Synchrony will send you a password reset link via email. Click that link, create a new password, and return to the login page to sign in with your new credentials. The reset link usually expires within a few hours, so complete the process promptly.
Handle two-factor authentication on a new device
The first time you log in from a new computer, phone, or browser, Synchrony may require two-factor authentication. This means you will enter your username and password, and then Synchrony will send a one-time code to your email address or phone number.
Check your email inbox or text messages for the code. Enter it on the screen where Synchrony is asking for it. You may see an option to "Trust this device" — checking that box means you will not need the code the next time you log in from that same device. If you do not receive the code within a few minutes, check your spam folder or request a new code.
View your account information after logging in
Once you are logged in, your dashboard shows your current balance, available credit, and recent transactions. You can scroll through your transaction history to see what you have charged and when. Most transactions appear within one to two business days of purchase.
From the dashboard, you can also access your statements, update your contact information, change your password, and set up payment reminders. The exact menu options depend on which Synchrony product you hold, but the main account summary is always the first screen you see after login.
Make a payment through your online account
To pay your Synchrony Mastercard balance, look for a "Make a Payment" or "Pay Now" button on your dashboard — it is usually near the top of the page or in a sidebar menu. Click it, and you will see options for how much to pay and where the payment should come from.
You can pay from a bank account (checking or savings) that you have already registered, or you can add a new bank account during the payment process. Synchrony will ask for your bank's routing number and your account number. Payments made before 8 p.m. Eastern Time on a business day usually post the same day; payments made after that time or on weekends post the next business day.
Troubleshoot if you cannot log in
If you see an error message or cannot reach the login page, first check that you are using the correct web address: www.synchronybank.com. Make sure you are not on a phishing site by looking at the address bar — it should show "synchronybank.com" with a lock icon next to it.
Clear your browser's cache and cookies, then try logging in again. If you still cannot log in, your account may be temporarily locked for security reasons, especially if you entered an incorrect password multiple times. Wait 30 minutes and try again, or contact Synchrony customer service. The phone number is on the back of your Mastercard.
Understand what information you will need to log in
You will need your username (which you created when you registered your online account) and your password. Your username is often your email address, but it can also be a custom username you chose during registration. If you are not sure which one you used, the "Forgot Password?" link will let you verify your identity and reset your login credentials.
You do not need your card number or PIN to log in online. Synchrony only asks for your username and password on the login page. If a website or email asks for your full card number, expiration date, or CVV to log in, it is not a legitimate Synchrony page — do not enter that information.
Frequently Asked Questions
Can I log in on my phone?
Yes. You can use the same username and password to log in at www.synchronybank.com on your phone's web browser. Synchrony also offers a mobile app that you can read from the Apple App Store or Google Play Store, though the web login works on any phone with internet access.
What should I do if I see a message saying my account is locked?
A locked account usually means you entered an incorrect password too many times. Wait at least 30 minutes, then try logging in again with the correct password. If it remains locked, call Synchrony customer service at the number on your card and they can unlock it for you.
Is it safe to log in on a public Wi-Fi network?
It is safer to log in on a private network, but if you must use public Wi-Fi, make sure you are on the real Synchrony website (check the address bar for "synchronybank.com" with a lock icon) and log out completely when you are done. Avoid logging in on public Wi-Fi if you are on a shared computer.
Can I change my username?
Most users cannot change their username directly. If you want a different username, contact Synchrony customer service and ask whether they can update it for you. Some username changes may require you to re-register your account.
What happens if I do not log in for a long time?
Your account remains active as long as you are making payments and your card is in good standing. However, if your account is inactive for an extended period, Synchrony may close it. You can always log back in with your existing username and password, even after a long absence.