Where to log in to your Target credit card account
Target credit card payments are managed through the Synchrony Bank portal, not through Target.com itself. When you want to pay your bill or check your balance, you go to Synchrony's website at mysynchrony.com, not to a Target login page. This matters because many cardholders search for a Target payment portal and end up confused about where their account actually lives.
You can also pay through the Synchrony mobile app, which is available on iOS and Android. The app has the same features as the website — you can view your balance, see your statement, make payments, and set up automatic payments. Some people find the app faster for one-time payments, while others prefer the website for setting up recurring payments.
If you have a Target Debit Card (the red card that draws from your bank account) rather than a Target Credit Card, you manage that account differently. Target Debit Cards are also through Synchrony, but you would still use mysynchrony.com to access it.
Key Takeaways
- Your Target credit card account is managed by Synchrony Bank at mysynchrony.com, not by Target directly.
- You can pay your bill online, through the Synchrony mobile app, by phone at the number on your card, or by mail to the address on your statement.
- Setting up automatic payments through Synchrony prevents late payments and takes about five minutes to configure.
- If you forget your password, Synchrony's password reset tool will send a link to the email address on file with your account.
Steps to log in for the first time
When you first receive your Target credit card, you need to register your account on mysynchrony.com before you can log in. Click "Register" on the Synchrony homepage and enter your card number, Social Security number, and date of birth. Synchrony will ask you to create a username and password. Your username can be anything you choose — it does not have to match your name.
After you register, Synchrony sends a confirmation email to the address you provided. Check your email (including spam folders) and click the link in that email to verify your account. Until you verify, you cannot log in. This step usually takes a few minutes, but occasionally the email takes up to an hour to arrive.
Once your account is verified, you can log in at mysynchrony.com using the username and password you created. Your first login will show your current balance, available credit, and payment due date. If you do not see a confirmation email within an hour, call the number on the back of your card and ask Synchrony to resend it.
How to make a payment online
After you log in to mysynchrony.com, look for a "Make a Payment" button or link, usually on the main dashboard. Click it and you will see your current balance and the amount due. You can choose to pay the full balance, the minimum payment, or a custom amount. Synchrony will ask you to confirm the payment method — either a bank account (via ACH transfer) or a debit card.
Payments made before 8 p.m. Eastern Time on a business day usually post the same day. Payments made after 8 p.m. or on weekends post the next business day. If your payment is due tomorrow and you are cutting it close, call Synchrony at the number on your card to confirm the cutoff time in your time zone, since the 8 p.m. important date is Eastern.
Synchrony does not charge a fee for online payments from a bank account. If you pay with a debit card, Synchrony charges a fee (the amount varies but is typically $1 to $3). Paying by bank account transfer is free and takes the same amount of time.
Setting up automatic payments to avoid late fees
Automatic payments are the simplest way to may support your bill is paid on time every month. Log in to mysynchrony.com, find the "Automatic Payments" or "Recurring Payments" section, and click to set one up. You will choose a payment date (any day between the 1st and the 28th), the amount (minimum payment, full balance, or a fixed dollar amount), and the bank account to draw from.
Once automatic payments are active, Synchrony withdraws the amount you chose on your selected date each month. You can change or cancel automatic payments at any time through your online account. If you want to skip a payment in a particular month, log in a few days before the payment date and pause it for that cycle.
Automatic payments do not affect your credit score negatively — in fact, they help your score because they make late payments much less likely. If you are worried about overdrafting your bank account, set the automatic payment for a few days after you normally get paid, or set it to pay only the minimum while you pay extra manually in months when you have extra cash.
What to do if you forget your password
On the Synchrony login page at mysynchrony.com, click "Forgot Username or Password?" Synchrony will ask for your card number and date of birth, then send a password reset link to the email address on file. Click the link in that email and create a new password. The link usually expires after 24 hours, so if you do not use it right away, you may need to request a new one.
If you do not have access to the email address on file, or if the reset link is not arriving, call Synchrony at the number on the back of your card. A representative can verify your identity and reset your password over the phone, or update your email address if it has changed.
Other ways to pay if you cannot access the website
If the Synchrony website is down or you prefer not to pay online, you have other options. You can call the number on the back of your Target credit card and pay over the phone with a bank account or debit card. Phone payments are free and take about five minutes. The representative will confirm your payment before hanging up.
You can also mail a check or money order to the address printed on your monthly statement. Write your account number on the check and mail it to the address listed under "Payment Address" on your bill. Mail payments take 7 to 10 business days to reach Synchrony and post to your account, so send them early if your due date is coming up soon.
Some Target stores have a payment kiosk in the customer service area where you can pay in person with cash or a debit card. Not all stores have this option, so call ahead or ask at the service desk. In-store payments usually post within one business day.
Understanding your statement and due dates
Your Target credit card statement shows your opening balance, all purchases and payments from the past month, your closing balance, and your minimum payment due. The due date is printed on your statement and is usually the same day each month. If the due date falls on a weekend or holiday, Synchrony moves it to the next business day.
Your statement is available online through mysynchrony.com about 7 to 10 days after your billing cycle closes. You can view statements from the past 24 months online. If you need an older statement, call Synchrony and ask them to mail it to you.
Interest charges appear on your statement if you carried a balance from the previous month. The Target credit card has a variable interest rate that changes based on the prime rate. You can see your current APR (annual percentage rate) on your statement or by logging into your account.
Frequently Asked Questions
Can I pay my Target credit card bill at a Target store?
Some Target locations have payment kiosks at the customer service desk where you can pay in cash or with a debit card. Not all stores offer this, so call your local store first. Online and phone payments through Synchrony are available everywhere and do not require a trip to the store.
What happens if I miss a payment?
If your payment is not received by the due date, Synchrony reports it to the credit bureaus after 30 days. A late payment can lower your credit score and may trigger a late fee. If you miss a payment, log in or call Synchrony as soon as you realize it and make the payment when ready — the sooner you pay, the less damage to your credit.
Can I pay more than my minimum payment?
Yes. You can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. You can make extra payments at any time through mysynchrony.com or by phone.
Is mysynchrony.com find for entering my bank account information?
Synchrony uses encryption and security protocols standard for banking websites. Your bank account information is not stored on the Synchrony website after your payment is processed. If you are uncomfortable entering bank details online, you can pay by phone or mail instead.
How long does it take for a payment to show up in my account?
Online payments made before 8 p.m. Eastern Time on a business day post the same day. Payments made after hours or on weekends post the next business day. Phone and in-store payments usually post within one business day. Mail payments take 7 to 10 business days.