Access your Synchrony card account through the main login portal
To log into your Synchrony Bank credit card account, go to synchronybank.com and click the "Log In" button in the top right corner. Enter your username and password, then click "Sign In". If you have a Synchrony card issued under a store brand — like Amazon, Lowe's, or Best Buy — you can also log in through that retailer's website, but the Synchrony Bank site is the main portal where all card types funnel to the same account dashboard.
Your username is typically the email address you registered with Synchrony, though some older accounts may use a custom username. Your password is what you created during account setup. Both are case-sensitive, so check your caps lock if you get an error message.
Once you are logged in, you will see your account summary: current balance, available credit, recent transactions, and payment options. The dashboard layout is the same whether you hold a Synchrony-branded card or a co-branded store card.
Key Takeaways
- Log in at synchronybank.com using your email address (or custom username) and password.
- Store-branded Synchrony cards can also be accessed through the retailer's website, but all accounts route to the same Synchrony portal.
- If you forget your password, use the "Forgot Password?" link on the login page to reset it by email.
- Two-factor authentication is optional but recommended; you can enable it in account settings after you log in.
What to do if you cannot remember your password
Click "Forgot Password?" on the Synchrony login page. You will be asked to enter your username (email address) and answer a security question you set up during account registration. Synchrony will then send a password reset link to your registered email address. Click that link within the time window provided — usually 24 hours — and create a new password.
If you do not remember the answer to your security question, or if you no longer have access to your registered email address, call Synchrony customer service at the number on the back of your card. They will verify your identity using personal information and can reset your password over the phone or send a new reset link to a different email address if you update it with them first.
Logging in from a mobile device or app
Synchrony does not have its own dedicated mobile app. Instead, you log in through the mobile version of synchronybank.com in your phone's web browser. The site is optimized for mobile screens, so navigation and readability are similar to a native app.
Some store-branded Synchrony cards — particularly Amazon and Lowe's — do have their own mobile apps where you can view your Synchrony card account without leaving the retailer's app. Log in with the same Synchrony username and password you use on the website. The information syncs across all platforms, so a payment made in one place updates everywhere.
Setting up two-factor authentication for extra security
Two-factor authentication adds a second verification step when you log in from a new device or browser. After you enter your password, Synchrony sends a code to your phone via text message or email. You enter that code before you can access your account. This prevents someone with your password from logging in without also having access to your phone or email.
To turn on two-factor authentication, log in to your account, go to "Settings" or "Security Settings" (the exact label varies), and look for "Two-Factor Authentication" or "Additional Security". Choose whether you want codes sent by text or email, confirm your phone number or email address, and save. The next time you log in from an unrecognized device, you will be prompted for the code.
Common login errors and how to fix them
Username or password incorrect: Check that caps lock is off and that you are using the email address or username you registered with. Passwords are case-sensitive. If you are certain you entered it correctly, use "Forgot Password?" to reset it.
Account locked after multiple failed attempts: Synchrony locks your account temporarily after several wrong password entries to protect against unauthorized access. Wait 15 to 30 minutes, then try again. If the account remains locked, call customer service.
Browser or cookie issues: Clear your browser's cache and cookies, then try logging in again. If you are using an older browser, update it or try a different one. Some older versions of Internet Explorer or Safari have compatibility problems with the Synchrony site.
Page will not load: Check your internet connection. If other websites load fine, the Synchrony site may be down for maintenance. Wait a few minutes and refresh. You can also try logging in from a different device or network to rule out a local connection problem.
What information you need to have ready before you log in
You only need your username (email address) and password to log in. However, if you plan to make a payment, update your address, or dispute a transaction, have your card number and the last four digits of your Social Security number nearby. Synchrony may ask for these to verify your identity during certain actions.
If you are logging in to check on a payment you made, have the confirmation number from that payment ready. You can use it to track the status if the payment does not show up when ready in your account.
Frequently Asked Questions
Can I log into my Synchrony card through the store's website instead of synchronybank.com?
Yes, if your card is co-branded with a retailer like Amazon, Lowe's, or Best Buy, you can log in through that store's website using your Synchrony credentials. However, you will see the same account information either way — the store portal and the Synchrony Bank site are connected. Some people find the store portal easier if they already shop there regularly.
What should I do if I do not recognize a login attempt or see suspicious activity?
Log in to your account and change your password when ready. Then call Synchrony customer service at the number on your card to report the suspicious activity. They can review your account for unauthorized transactions and help you dispute any charges you did not make. If you suspect fraud, also consider placing a fraud alert with the credit bureaus.
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 URL carefully) and consider using a VPN. Never log in on a public computer at a library or internet cafe. After logging in on public Wi-Fi, change your password again from a find network as an extra precaution.
Do I need a separate login for each store card I have?
No. All your Synchrony cards — whether they are store-branded or the plain Synchrony Bank card — are tied to one account and one login. When you log in, you will see all your cards listed on the dashboard. You can switch between them to view balances and make payments on each one.
How long does a login session stay active before I have to log in again?
Synchrony logs you out after a period of inactivity, usually 15 to 30 minutes. If you close your browser or your device goes to sleep, you will need to log in again the next time you visit. This is a security feature to prevent someone else from accessing your account if you leave your device unattended.