Where to find your Synchrony Bank Amazon login

Synchrony Bank handles the Amazon Rewards Visa Card and the Amazon Store Card. To log in and make a payment, you go to Synchrony's website directly — not Amazon's site. The login page is at mysynchrony.com. You will need your card number and a password you created when you first set up online access.

If you have never logged in before, you will need to register. Click "Enroll Now" on the Synchrony homepage, enter your card number and other identifying information, and create a username and password. Synchrony will ask you security questions to confirm your identity before you can proceed.

Once you are logged in, your account dashboard shows your current balance, recent transactions, and payment options. The payment section is usually visible on the main page or under an "Account" or "Payments" tab.

Key Takeaways

  • Log in at mysynchrony.com using your card number and password — not through Amazon's website.
  • You can pay your full balance, make a minimum payment, or choose a custom amount from your account dashboard.
  • Payments made before 8 p.m. Eastern time on a business day usually post the same day; weekend and holiday payments 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 security questions.
  • You can also pay by phone at the number on the back of your card or set up automatic payments from a bank account.

Making a payment after you log in

Once you are on your account dashboard, look for a "Make a Payment" button or link. Click it to enter the amount you want to pay. Synchrony gives you three options: pay your full statement balance, pay the minimum amount due, or enter a custom amount.

After you choose an amount, Synchrony asks where the payment should come from. You can pay from a checking or savings account (you will need to provide your bank's routing number and your account number), or you can use a debit card. Synchrony does not charge a fee for payments from a bank account, but debit card payments may carry a small fee — the site will show you the amount before you confirm.

Review the payment details carefully: the amount, the date it will post, and the account it is coming from. Once you confirm, Synchrony sends you a confirmation number. Write this down or take a screenshot — you will need it if you have questions about the payment later.

When your payment actually posts to your account

The timing depends on when you submit the payment and what day of the week it is. If you pay before 8 p.m. Eastern time on a Monday through Friday, the payment usually posts the same day. Payments submitted after 8 p.m. or on weekends and holidays post on the next business day.

Bank transfers (payments from your checking or savings account) can take one to three business days to clear, even though Synchrony may show the payment as pending right away. Debit card payments usually post faster — often within one business day. If you are close to a due date and worried about late fees, call the number on the back of your card to confirm the payment went through.

If you cannot remember your login information

On the Synchrony login page, click "Forgot Username" or "Forgot Password" depending on what you need. Synchrony will ask you to enter your card number and then verify your identity — usually by answering security questions or confirming information from your credit file.

Once you verify, Synchrony sends a password reset link to the email address on file. Click the link and create a new password. If you do not have access to that email address anymore, call Synchrony customer service at the number on the back of your card. They can verify your identity over the phone and help you regain access.

Other ways to pay if you do not want to log in online

You can pay by phone 24 hours a day by calling the number on the back of your card. Have your card number and bank account information ready. A representative will walk you through the payment and give you a confirmation number.

You can also set up automatic payments from your bank account so you never have to log in to make a payment. Go to the "Payments" section of your Synchrony account, select "Autopay," and choose the amount and date you want to pay each month. Synchrony will pull that amount from your bank account on the day you choose.

What to do if your payment does not show up

If you submitted a payment and it does not appear on your account within the expected timeframe, log back into Synchrony and check the "Payment History" section. Look for the payment you made — it may show as "pending" if it has not fully processed yet.

If the payment is not there at all, write down the confirmation number Synchrony gave you when you submitted it. Call customer service with that number and the date and amount of the payment. They can search their system and tell you whether the payment was received and when it will post. If there was an error, they can help you resubmit or investigate where the money went.

Frequently Asked Questions

Can I pay my Amazon card from Amazon's website?

No. Amazon's website does not have a payment option for the Synchrony-issued Amazon cards. You must go to mysynchrony.com to pay. Amazon's site will direct you to Synchrony if you look for a payment link.

What if I do not have a username yet?

Click "Enroll Now" on the Synchrony homepage and follow the registration steps. You will need your card number, Social Security number, and date of birth. Synchrony will ask security questions to confirm your identity, then let you create a username and password.

Is there a fee to pay online?

No fee for payments from a bank account. Debit card payments may have a small fee, which Synchrony shows you before you confirm the payment. Phone payments and automatic payments are also free.

Can I set up a payment to happen on a specific date in the future?

Yes. When you make a payment online, you can choose the date you want it to post. Synchrony lets you schedule payments up to a certain number of days in advance — check the payment screen for the exact range available.

What happens if I pay late?

Late fees and interest charges depend on your card agreement and how late the payment is. The due date appears on your statement and in your online account. If you miss it, call Synchrony right away — sometimes they can waive a first late fee if you pay within a few days.