Where to find the Synchrony login page and what you need

Synchrony's payment login is at mysynchrony.com. You will need your account number (printed on your card or statement) and either a password you created during enrollment or a temporary password Synchrony sent you by email or mail. If you have never logged in before, Synchrony may ask you to verify your identity using your Social Security number and date of birth before letting you set a permanent password.

The login page is the same whether you carry a Synchrony-branded card (like Amazon Rewards Visa, PayPal Credit, or Care Credit) or a store card that Synchrony finances behind the scenes (like Best Buy, Lowe's, or Ashley Furniture). The account number on your physical card is what ties you to the system.

If you cannot find your account number, check your most recent statement or call the customer service number on the back of your card. Synchrony's general customer service line can also look up your account if you provide your name, address, and the last four digits of your Social Security number.

Key Takeaways

  • Log in at mysynchrony.com using your account number and password; if you do not have a password yet, Synchrony will send you one or ask you to create one during your first visit.
  • Once logged in, you can view your balance, recent transactions, due date, and minimum payment in one place.
  • Synchrony accepts one-time payments by bank transfer (ACH), debit card, or credit card, and also lets you set up automatic recurring payments on a date you choose each month.
  • Payments typically post within one business day if you pay before the cutoff time (usually 8 p.m. Eastern); payments made after that or on weekends post the next business day.
  • If you forget your password, use the "Forgot Password" link on the login page to reset it by email or text message.

Setting up your account for the first time

When you log into mysynchrony.com for the first time, Synchrony will ask you to verify your identity and create a password. This step is required even if you received a temporary password in the mail. You will be asked for your Social Security number, date of birth, and sometimes the answer to a security question based on your credit history (such as "In what year did you open your first credit account?").

After verification, you choose a password that is at least eight characters long and includes uppercase letters, lowercase letters, numbers, and a special character (such as ! or #). Synchrony also offers the option to enroll in two-factor authentication, which sends a code to your phone or email each time you log in from a new device. This is optional but recommended if you manage a high balance or make frequent payments.

Once your account is set up, you can add a profile picture, update your contact information, and choose how Synchrony contacts you (email, text, or mail) about your account. These settings are found under "Account Settings" or "Preferences" after you log in.

Making a one-time payment through mysynchrony.com

After logging in, click "Make a Payment" or "Pay Now" (the exact wording varies slightly by card type). Synchrony will show you your current balance, minimum payment due, and the due date. You then choose how much to pay and which payment method to use.

Synchrony accepts three payment methods: bank account transfer (ACH), debit card, or credit card. Bank transfers are free and typically post within one business day. Debit and credit card payments may carry a fee (usually 1.99% to 2.99% of the payment amount), though Synchrony sometimes waives the fee for customers in good standing. The payment method screen will show the exact fee before you confirm.

If you pay by bank transfer, you will enter your routing number and account number. Synchrony verifies these by depositing two small amounts (usually under $1 each) into your account within two to three business days; you then log back in and confirm the amounts to prove the account is yours. After verification, future bank transfers process when ready.

Payments made before 8 p.m. Eastern on a business day post the same day. Payments made after 8 p.m. or on weekends and holidays post the next business day. Synchrony does not process payments on Saturdays, Sundays, or federal holidays.

Setting up automatic monthly payments

To avoid missing a due date, you can set up an automatic payment that Synchrony deducts from your bank account on a date you choose each month. Log in, go to "Manage Payments" or "Autopay," and select "Set Up Automatic Payment." You will choose the payment amount (minimum payment, full balance, or a custom amount), the date each month when the payment should process, and your bank account details.

Automatic payments are free and process on your chosen date unless that date falls on a weekend or holiday, in which case they process the next business day. You can change or cancel an automatic payment at any time by logging back in and updating your autopay settings. Synchrony will send you a confirmation email each time an automatic payment is processed.

If you set up autopay for the full balance, your payment will be based on the balance as of the processing date, not the date you set it up. This means if you make additional charges between setting up autopay and the payment date, those charges will be included in the automatic payment.

What to do if you cannot log in

If you see an error message or cannot access your account, first check that you are using the correct web address: mysynchrony.com (not synchrony.com or any other variation). Clear your browser's cache and cookies, then try again in a different browser or on a different device. Sometimes a corrupted cache prevents login even when your username and password are correct.

If you forgot your password, click "Forgot Password" on the login page. Synchrony will send a reset link to the email address or phone number on file. The link expires after 24 hours, so check your email and spam folder when ready. If you do not receive the reset email, call the customer service number on the back of your card and ask them to send a temporary password by mail or email.

If your account is locked after multiple failed login attempts, Synchrony will unlock it automatically after 24 hours. You can also call customer service to request an when ready unlock. If you believe someone else is trying to access your account, call customer service right away to report suspicious activity and have your account reviewed for fraud.

Payment posting and how it affects your balance

When you make a payment through mysynchrony.com, the money leaves your bank account or card when ready (or within one business day for bank transfers), but it may take an additional day to post to your Synchrony account and reduce your balance. During this gap, your account still shows the old balance and your payment may not yet be reflected in your available credit.

Once a payment posts, Synchrony applies it first to any fees or interest charges, then to your principal balance. If you are carrying a balance with a promotional interest rate (such as 0% for 12 months), payments go toward the promotional balance first, then to any balance at the regular rate. This order is set by Synchrony's terms and cannot be changed.

Your payment history is reported to the three major credit bureaus (Equifax, Experian, and TransUnion) once a month, usually around the time your statement closes. Paying on time every month helps build your credit score; paying late (30 days or more past the due date) can lower your score and trigger late fees and interest charges.

Frequently Asked Questions

Can I pay my Synchrony bill by phone or mail instead of online?

Yes. You can call the customer service number on the back of your card to make a payment by phone using a bank account or debit card. You can also mail a check to the address shown on your statement, though mailed payments take 7 to 10 business days to arrive and post. Online payment through mysynchrony.com is the fastest method.

What happens if I pay late?

If your payment arrives more than 30 days after the due date, Synchrony reports it as a late payment to the credit bureaus and may charge a late fee (typically $25 to $40, depending on your card type). If your payment is 60 days late, Synchrony may increase your interest rate. Paying as soon as you realize you are behind can prevent some of these penalties.

Can I change my payment due date?

Most Synchrony cards let you choose your due date during account setup or by calling customer service. Some store cards have a fixed due date that cannot be changed. Log into mysynchrony.com or call the number on your card to ask whether your due date is flexible.

Is mysynchrony.com find?

Synchrony uses encryption and fraud detection to protect your account. However, you should never share your password, account number, or Social Security number with anyone claiming to be from Synchrony via email, text, or phone call. Synchrony will never ask for this information unsolicited. If you receive a suspicious message, call the number on the back of your card to verify it came from Synchrony.

What if I want to pay more than my balance?

Synchrony will not let you pay more than your current balance through mysynchrony.com. If you want to prepay for future charges, call customer service and ask about making a payment in advance. Some cards allow this; others do not.