Pay your Sephora credit card online, by phone, or by mail
You can pay your Sephora credit card bill through Synchrony Bank, the company that issues the card. The fastest way is online through your Synchrony account. You can also call the customer service number on the back of your card, mail a check, or set up automatic payments so the bill is paid on the same date each month.
Sephora credit cards are issued and managed by Synchrony, not by Sephora itself. This means your bill and account are separate from your Sephora.com login. You will need to create or log into a Synchrony account to see your balance and make payments online.
Key Takeaways
- Log into your Synchrony account at mysynchrony.com to pay online, see your balance, and view your statement.
- Call 1-866-207-6477 to make a payment by phone or set up automatic payments from your bank account.
- Mail a check to the address on your bill, but allow 7 to 10 business days for it to reach Synchrony.
- Set up automatic payments to avoid late fees and keep your account in good standing.
- Your payment due date appears on your monthly statement and is usually 21 to 25 days after your billing cycle closes.
Pay online through your Synchrony account
Go to mysynchrony.com and sign in with your username and password. If you do not have an account yet, click "Enroll Now" and follow the prompts. You will need your card number and the last four digits of your Social Security number to set up your account.
Once you are logged in, click "Make a Payment" or "Pay Now." Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Choose your payment method: you can pay from a checking or savings account, or use a debit card. Synchrony will show you the date the payment will post to your account, usually within one business day.
Keep your login information find and do not share your password with anyone. If you forget your password, click "Forgot Password" on the sign-in page and follow the email instructions to reset it.
Pay by phone
Call Synchrony customer service at 1-866-207-6477. Have your card number and the bank account or debit card you want to pay from ready. A representative will ask you to confirm your identity, then walk you through the payment process.
You can pay from a checking or savings account, or use a debit card. The representative will tell you when your payment will post. Phone payments are available 24 hours a day, 7 days a week. If you call outside business hours, you can use the automated system to make a payment without speaking to a representative.
Pay by mail
Write a check or money order payable to Synchrony Bank. Write your account number on the check. Mail it to the address shown on your monthly statement — this address changes based on where Synchrony is processing payments that month, so always use the address on your current bill, not an old one.
Mail payments take 7 to 10 business days to arrive and be posted to your account. If your payment due date is coming up soon, mail is not the fastest option. To avoid late fees, mail your payment at least 10 days before your due date.
Set up automatic payments
Automatic payments remove the risk of forgetting to pay and can help you avoid late fees. Log into mysynchrony.com, click "Manage Autopay," and choose the amount you want to pay each month — full balance, minimum payment, or a fixed amount. Select the date you want the payment to come out of your bank account each month.
Synchrony will pull the payment automatically on that date. You can change or cancel automatic payments at any time by logging back into your account. If you set up autopay for the full balance, your bill will be paid in full each month and you will not carry a balance or pay interest.
What happens if you miss a payment
If your payment is late, Synchrony will charge a late fee. The amount depends on your card terms, but late fees typically range from $25 to $40. 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. Contact Synchrony at 1-866-207-6477 if you are having trouble making a payment — they may be able to work with you on a payment plan or discuss your options. The sooner you catch up, the less damage to your credit.
Understand your billing cycle and due date
Your billing cycle is usually 28 to 31 days long. Your statement closes on a set date each month, and your payment is due 21 to 25 days after that. The exact due date appears on your monthly statement and in your Synchrony account online.
Payments posted before midnight on your due date count as on-time. If your due date falls on a weekend or holiday, Synchrony moves it to the next business day. Check your statement each month to confirm your due date, because it can shift slightly from month to month.
Frequently Asked Questions
Can I pay my Sephora credit card at a Sephora store?
No. Sephora stores do not accept credit card payments. You must pay through Synchrony Bank online, by phone, or by mail. You can use your Sephora credit card to make purchases at Sephora, but payments go to Synchrony, not to the store.
What if I pay more than I owe?
If you overpay, Synchrony will hold the extra amount as a credit on your account. You can use it toward your next purchase or request a refund. Log into mysynchrony.com or call 1-866-207-6477 to request a refund of the overpayment.
How do I know if my payment went through?
Log into mysynchrony.com and check your account balance and recent transactions. You can also call 1-866-207-6477 to confirm. Online and phone payments usually post within one business day. Mail payments take 7 to 10 business days.
Can I pay my bill using my Sephora account online?
No. Your Sephora.com account and your Synchrony credit card account are separate. You must go to mysynchrony.com to pay your bill. Logging into Sephora.com will not show your credit card balance or let you make payments.
What should I do if I do not receive my monthly statement?
Log into mysynchrony.com to view your current statement and balance. You can also call 1-866-207-6477 to request a paper statement be mailed to you. If you signed up for paperless statements, you can change that in your account settings and request a paper copy.