Where to log in to pay your Target credit card
Target credit card payments go through Synchrony Financial, the bank that issues the card. You do not pay through Target.com or a Target store — you log in to Synchrony's website or mobile app to see your bill and make a payment.
The login portal is at www.mysynchrony.com. You can also read the Synchrony mobile app from the Apple App Store or Google Play Store and log in there. Both routes take you to the same account.
If you have not set up an online account yet, you will need your Target credit card number and the zip code on file with Synchrony. The first-time setup takes about five minutes.
Key Takeaways
- Target credit card payments are made through Synchrony Financial at mysynchrony.com, not through Target itself.
- You can pay online, through the Synchrony mobile app, by phone at the number on your card, or by mail to the address on your statement.
- Payments made online or through the app usually post within one business day.
- If you forget your password, use the "Forgot Password" link on the login page — Synchrony will send a reset link to your email or phone.
- Your payment due date appears on your monthly statement and in your online account; paying by that date avoids late fees and interest charges.
Setting up your Synchrony account for the first time
Go to mysynchrony.com and select "Enroll Now" or "Register." You will need your Target credit card number, the zip code associated with your account, and your date of birth. Synchrony will ask you to create a username and password.
Your password must be at least eight characters long and include uppercase letters, lowercase letters, and numbers. Write it down somewhere safe, or use a password manager if you have one. Synchrony will also ask whether you want to receive account notifications by email or text message — choosing both is useful because you will see payment confirmations and due date reminders right away.
Once you finish enrollment, you can log in when ready. Your first login may take you through a security verification step where Synchrony texts or emails a code to confirm your identity.
How to make a payment after you log in
After logging in to mysynchrony.com or the app, look for a button labeled "Make a Payment" or "Pay Now." Synchrony will show you your current balance, minimum payment due, and due date. You can pay the full balance, the minimum, or any amount in between.
Choose your payment method: bank account (fastest, usually posts next business day) or debit card (also next business day). Enter the routing number and account number if paying from a bank account, or your debit card number if paying that way. Synchrony will ask you to confirm the amount and review the details before you submit.
After you submit, Synchrony shows a confirmation number on the screen. Take a screenshot or write down that number. You will also receive a confirmation email within a few minutes. Keep that email until the payment shows in your account.
Payment methods if you cannot log in online
If you do not have internet access or prefer not to pay online, you have three other options. Call the number on the back of your Target credit card and speak to a Synchrony representative, who can take a payment over the phone using your bank account or debit card. This takes about five minutes.
You can also mail a check or money order to the address printed on your monthly statement. Write your account number on the check. Mail payments take seven to ten business days to arrive and post, so send them early if your due date is soon.
A third option is automatic payments. In your Synchrony account, you can set up a recurring payment from your bank account on a date you choose each month — for example, the 15th of every month. This removes the risk of forgetting a payment, though you should still check your account monthly to make sure the payment went through.
What to do if you forget your password
On the mysynchrony.com login page, click "Forgot Password?" or "Forgot Username?" Synchrony will ask for your card number and zip code, then send a password reset link to the email address or phone number on file. The link works for 24 hours.
If you do not receive the reset email or text within a few minutes, check your spam folder. If it is not there, call the number on the back of your card and ask Synchrony to send the link again or to reset your password over the phone. A representative can verify your identity and set up a temporary password you can change after you log in.
Understanding your statement and due dates
Your Target credit card statement arrives once a month, either by mail or email depending on what you chose during enrollment. The statement shows your opening balance, all purchases and payments from that month, your closing balance, the minimum payment due, and the due date.
The due date is usually 21 to 25 days after your statement closes. If you pay by that date, you avoid a late fee. If you pay after the due date, Synchrony charges a late fee (the amount varies but is typically $25 to $40 for the first late payment) and may raise your interest rate.
Paying only the minimum keeps your account in good standing, but you will pay interest on the remaining balance. If you can pay the full balance each month, you will not owe interest at all. Your statement shows how much interest you will pay if you make only the minimum payment — this number helps you decide whether to pay more.
Troubleshooting common login problems
If you see an error message saying "Username or password incorrect" after you log in, make sure you are using the username you created during enrollment, not your email address or card number. Passwords are case-sensitive, so check that Caps Lock is off. If you still cannot log in, use the "Forgot Password" link to reset it.
If the website or app is very slow or will not load, try clearing your browser's cache and cookies, then refresh the page. On a mobile app, try closing the app completely and opening it again. If the problem continues, Synchrony's website may be down for maintenance — wait an hour and try again, or call the number on your card to make a payment by phone.
If you see a message saying your account is locked, it usually means Synchrony detected unusual activity or multiple failed login attempts. Call the number on your card to unlock it. A representative will verify your identity and reactivate your account, which takes a few minutes.
Frequently Asked Questions
Can I pay my Target credit card bill through Target.com or in a store?
No. Target does not process credit card payments. You must pay through Synchrony at mysynchrony.com, the Synchrony app, by phone, or by mail. Synchrony is the bank that issued your card and holds your account.
How long does it take for my payment to show up after I submit it online?
Payments made online or through the app usually post within one business day. If you pay on a Friday evening, it may not show until Monday. Payments made by phone also post within one business day. Mailed payments take seven to ten business days.
What happens if I miss my due date?
Synchrony charges a late fee (typically $25 to $40) and may raise your interest rate on future purchases. A late payment also appears on your credit report and can lower your credit score. If you miss a payment, pay as soon as you can to stop additional fees from piling up.
Can I set up automatic payments so I never miss a due date?
Yes. Log in to your Synchrony account, find the "Automatic Payments" or "Recurring Payments" section, and choose the amount and date you want to pay each month. You can pay the full balance, the minimum, or a fixed amount. You can change or cancel automatic payments anytime in your account.
Is it safe to pay my Target credit card online?
Yes. Synchrony uses encryption and security measures to protect your information. Never share your username, password, or card number with anyone. Synchrony will never ask for your password by email or text — if someone contacts you claiming to be from Synchrony and asks for your password, it is a scam.