Access your Zales credit card account through Synchrony Bank's portal
Zales credit cards are issued and managed by Synchrony Bank, not by Zales itself. This means you log in through Synchrony's website, not through Zales.com. Once you are logged in, you can view your balance, make payments, check your statement, and manage your account settings from one place.
The login process takes about two minutes if you have your username and password ready. If you do not have an account set up yet, you will need to create one before you can log in — that takes an additional five to ten minutes and requires your card number and Social Security number.
Key Takeaways
- Zales credit cards are managed by Synchrony Bank, so you log in at Synchrony's website, not at Zales.com.
- You will need your username and password, or your card number and last name if you are logging in for the first time.
- If you forget your password, you can reset it using your email address or by answering security questions.
- Two-factor authentication is optional but recommended to protect your account from unauthorized access.
Steps to log in to your Zales credit card account
Go to mysynchrony.com in your web browser. This is the official Synchrony login page for all Synchrony-issued credit cards, including Zales.
On the homepage, you will see a box labeled "Log In". Enter your username in the first field and your password in the second field. If you have never logged in before, skip to the section below on creating your account.
Click the "Log In" button. Synchrony will verify your credentials and take you to your account dashboard. From there you can see your current balance, recent transactions, due date, and minimum payment.
If you see a message asking you to verify your identity, Synchrony is using a security check. You may be asked to enter a code sent to your email address or phone number, or to answer a security question you set up earlier. Complete this step and you will be logged in.
Create your account if you are logging in for the first time
If you have a Zales credit card but have never logged into Synchrony before, you need to create an account first. Go to mysynchrony.com and look for a link that says "Enroll Now" or "Create Account" — it is usually near the login box.
Click that link. Synchrony will ask you for your card number, the last four digits of your Social Security number, and your date of birth. Have your physical card in front of you so you can enter the number correctly.
Next, you will create a username and password. Your username can be an email address or a custom name — Synchrony will tell you if your choice is already taken. Your password must be at least eight characters long and include at least one number and one uppercase letter.
After you create your login credentials, Synchrony will send a verification code to your email address. Check your inbox (and spam folder if you do not see it) and enter that code on the screen. Once verified, your account is active and you can log in using your new username and password.
Reset your password if you forget it
On the mysynchrony.com login page, look for a link that says "Forgot Username or Password?" — it is usually below the login box. Click it.
Synchrony will ask you to enter your card number and the last four digits of your Social Security number. This confirms you are the cardholder. After you enter this information, you will see two options: reset your username or reset your password.
If you choose to reset your password, Synchrony will send a reset link to the email address on file with your account. Open that email, click the link, and follow the prompts to create a new password. The link usually expires after a few hours, so complete the reset soon after you receive it.
If you do not receive the email, check your spam folder. If it is not there, go back to the password reset page and choose the option to answer security questions instead. Synchrony will ask you questions you set up when you created your account — answer them correctly and you can reset your password without email.
Log in on the Zales mobile app
Zales does not have its own mobile app for credit card management. Instead, you use the Synchrony Mobile App, which works on iPhone and Android phones.
read the Synchrony Mobile App from the Apple App Store or Google Play Store. Open the app and tap "Log In". Enter the same username and password you use on mysynchrony.com. The app will ask you to set up a PIN or biometric login (fingerprint or face recognition) for faster access on future visits.
Once you are logged in on the app, you can check your balance, make payments, view statements, and update your account settings just as you would on the website. The app also lets you set up payment reminders and receive transaction alerts.
Set up two-factor authentication for extra security
Two-factor authentication adds a second layer of protection to your account. After you enter your username and password, Synchrony sends a code to your phone or email. You must enter that code to finish logging in, which means someone cannot access your account even if they know your password.
To turn on two-factor authentication, log into mysynchrony.com and go to "Account Settings" or "Security Settings" — the exact name depends on which version of the site you see. Look for an option labeled "Two-Factor Authentication" or "Additional Security" and follow the prompts to turn it on.
Synchrony will ask whether you want codes sent to your phone by text message or to your email address. Choose whichever you check more often. You can change this setting later if your phone number or email changes.
Troubleshoot common login problems
If you see a message that says "Username or password is incorrect," double-check that you are typing them exactly as you created them. Passwords are case-sensitive, which means "MyPassword" is different from "mypassword". If you are still stuck, use the "Forgot Username or Password?" link to reset.
If your account is locked after several failed login attempts, Synchrony will lock it temporarily for security. Wait 15 to 30 minutes and try again. If it stays locked, call Synchrony customer service at the number on the back of your Zales card.
If you see a message that says "This card is not recognized," make sure you are entering your card number correctly and that your account is in good standing. If your card was recently replaced or reissued, your old card number may no longer work — use the new card number instead.
If the website is running slowly or will not load, try clearing your browser's cache and cookies, then reload the page. If the problem continues, try logging in on a different browser or device. Synchrony occasionally performs maintenance that can take the site offline for a few hours.
Frequently Asked Questions
Can I log into my Zales card through Zales.com?
No. Zales.com is for shopping, not for credit card management. Your Zales credit card is issued by Synchrony Bank, so you must log in at mysynchrony.com or use the Synchrony Mobile App to view your account.
What do I do if I never received the verification email when I created my account?
Check your spam or junk folder — verification emails sometimes end up there. If you still do not see it, go back to mysynchrony.com and look for an option to resend the verification code. You can also call Synchrony customer service at the number on the back of your card and they can verify your account over the phone.
Is it safe to log in on a public computer or phone?
It is safer to log in on a device you own and control. If you must use a public computer, make sure you log out completely when you are done — do not just close the browser. Never save your password on a public device. Consider using two-factor authentication for extra protection if you log in from different locations.
Can I change my username after I create it?
Yes. Log into mysynchrony.com, go to Account Settings or Security Settings, and look for an option to change your username. Synchrony will confirm your identity before allowing the change. Your new username takes effect when ready.
What should I do if I think someone else logged into my account?
Log in to mysynchrony.com right away and change your password. Then go to Account Settings and review your recent activity and any changes to your contact information. If you see unauthorized transactions, call Synchrony customer service at the number on the back of your card to report fraud. Synchrony can freeze your account and investigate.