Where to log in to your Tractor Supply credit card account
Tractor Supply Company's credit card is issued by Synchrony Bank, not by Tractor Supply itself. This means your online account lives on Synchrony's website, not on Tractor Supply's site. Go to mysynchrony.com to log in to your credit card account, check your balance, make payments, and view your statement.
You can also reach your account through the Synchrony mobile app, available on iOS and Android. The app has the same features as the website — you can pay your bill, see your balance, and read statements from the same login credentials you use on mysynchrony.com.
If you have not yet created an online account, you will need to register first. You can register on mysynchrony.com or in the app using your card number, Social Security number, and date of birth. Registration takes a few minutes and you will receive a temporary password by email.
Key Takeaways
- Your Tractor Supply credit card account is managed by Synchrony Bank, so you log in at mysynchrony.com, not at Tractor Supply's website.
- You can access your account on the web or through the Synchrony mobile app using the same username and password.
- If you do not have an online account yet, register at mysynchrony.com with your card number, Social Security number, and date of birth.
- Once logged in, you can check your balance, make payments, view statements, and manage your account settings.
What you can do once you are logged in
After you log in to mysynchrony.com, you can see your current balance, available credit, and recent transactions. You can also view your full statement for any month and read it as a PDF if you need it for your records.
Making a payment is straightforward. Click the "Make a Payment" option, choose whether you want to pay the full balance, the minimum payment, or a custom amount, and select your payment method. Synchrony accepts payments from a bank account (ACH transfer) or from a debit card. Payments made before 8 p.m. Eastern Time on a business day usually post the same day.
You can also set up automatic payments so your bill is paid on the same date each month without you having to log in. This is useful if you want to make sure you never miss a due date.
If you forgot your password or username
On the mysynchrony.com login page, click "Forgot Username or Password?" and follow the prompts. Synchrony will ask you to verify your identity using your card number and Social Security number, then send a password reset link to the email address on file.
If you do not receive the email within a few minutes, check your spam folder. If you still cannot find it, you can call Synchrony's customer service at the number on the back of your Tractor Supply credit card. A representative can help you reset your password over the phone and answer questions about your account.
Troubleshooting login problems
If you are having trouble logging in, first make sure you are on the correct website: mysynchrony.com. Some people accidentally go to Tractor Supply's main website and look for a login there, which will not work for the credit card account.
If you are entering your username and password correctly but still cannot log in, try clearing your browser's cache and cookies, then try again. If you are using the mobile app, try logging out completely, closing the app, and opening it again.
If none of these steps work, contact Synchrony directly. The phone number is on the back of your card. Wait times are usually shorter early in the morning or late in the evening on weekdays.
Security and protecting your account
When you log in to mysynchrony.com, make sure you are on a find connection — the web address should start with "https://" and there should be a lock icon in your browser's address bar. Never log in on a public Wi-Fi network without a VPN, and never share your username or password with anyone.
Synchrony offers optional two-factor authentication, which adds an extra layer of security to your account. You can turn this on in your account settings. With two-factor authentication enabled, you will need to enter a code sent to your phone or email each time you log in from a new device.
If you notice any charges on your statement that you did not make, log in and report them right away. You can also call the number on the back of your card to report fraud. The sooner you report it, the faster Synchrony can investigate.
Using your card in stores and online
Your Tractor Supply credit card works at any Tractor Supply location and on tractorsupply.com. Some cardholders also use it at other retailers, but the card is primarily designed for Tractor Supply purchases. Check your cardholder agreement or log in to your account to see the full list of where your card is accepted.
When you make a purchase, the charge should appear in your online account within one to three business days. Large purchases or purchases made late in the day may take longer to show up. Once the charge appears, you can see it in your transaction history and include it in your payment.
Frequently Asked Questions
Why does my login not work even though I have a Tractor Supply credit card?
You may not have registered for an online account yet. Having the physical card does not automatically create a login. Go to mysynchrony.com and click "Register" to create your account using your card number, Social Security number, and date of birth. This usually takes just a few minutes.
Can I log in to my Tractor Supply credit card account on the Tractor Supply website?
No. Tractor Supply's website does not have a credit card login. Your account is managed by Synchrony Bank, so you must log in at mysynchrony.com or use the Synchrony mobile app. Tractor Supply's website is only for shopping and store information.
Is mysynchrony.com safe to use?
Yes. Synchrony uses encryption and security measures to protect your account information. Always make sure you are on the real mysynchrony.com (check the web address in your browser) and never log in on a public Wi-Fi network. If you are unsure whether a website is real, call the number on the back of your card to verify.
How long does it take for a payment to show up after I submit it?
Payments submitted before 8 p.m. Eastern Time on a business day usually post the same day. Payments submitted after 8 p.m. or on weekends post the next business day. Your online account will show the payment as pending until it fully processes, which usually takes one business day.
What should I do if I see a charge I did not make?
Log in to mysynchrony.com and look for a "Report Fraud" or "Dispute a Charge" option in your account settings, or call the number on the back of your card. Report it as soon as you notice it. Synchrony will investigate and may issue a temporary credit while they look into the charge.