Where to find the Target credit card payment login
Target credit card payments are managed through Synchrony Financial, not through Target.com directly. When you log in to pay your Target credit card bill, you are logging into Synchrony's customer portal, which handles the account for Target.
Go to mysynchrony.com to access your account. This is the official login page for all Synchrony-managed credit cards, including the Target RedCard. You will enter your username and password here, then navigate to the payment section.
If you do not yet have a Synchrony online account, you can create one at the same website. You will need your Target RedCard number and the zip code associated with your account to set up login credentials for the first time.
Key Takeaways
- Target credit card payments are processed through Synchrony Financial at mysynchrony.com, not through Target's website.
- You can make a one-time payment, set up automatic payments, or pay by phone by calling the number on the back of your card.
- Payments typically post within one to three business days depending on the payment method you choose.
- If you forget your Synchrony password, you can reset it on the login page without calling customer service.
Steps to log in and make a payment online
Step 1: Go to mysynchrony.com. Open a web browser and navigate to the Synchrony login page. Make sure you are on the official Synchrony website and not a phishing site by checking that the URL begins with "https://" and shows the Synchrony logo.
Step 2: Enter your username and password. Type in the credentials you created when you set up your online account. If this is your first time logging in, you will need to create a username and password using your card number and zip code.
Step 3: Select "Make a Payment" from the account menu. Once logged in, you will see your account summary, which shows your current balance, minimum payment due, and payment due date. Click the payment option to proceed.
Step 4: Choose your payment amount and method. You can pay your full balance, the minimum amount due, or a custom amount. Select whether you want to pay from a bank account (ACH transfer) or debit card. Bank account payments are free; debit card payments may carry a fee.
Step 5: Confirm the payment date. Choose whether the payment should post today or on a future date. If you select a future date, the payment will be scheduled but not processed until that day arrives.
Step 6: Review and submit. Double-check the amount, payment method, and date. Click "Confirm" or "Submit Payment" to complete the transaction. You will receive a confirmation number on screen and via email.
Payment methods and how long they take to post
Synchrony accepts payments through several methods, and the time it takes for money to reach your account varies by method. Bank account transfers (ACH) are the most common option and are free to use. These typically post within one to three business days. Debit card payments post faster—usually within one business day—but Synchrony charges a fee for this service, typically around $10 or a percentage of the payment amount.
You can also pay by phone by calling the customer service number on the back of your Target RedCard. A representative will walk you through the payment process and can answer questions about your account. Phone payments are processed the same way as online payments and take the same amount of time to post.
Mail payments are still an option if you prefer to send a check. The address for mailed payments appears on your monthly statement. Mail payments take significantly longer—typically 7 to 10 business days or more—because the check must arrive, be processed, and be deposited. If you are close to your due date, mailing a check is not recommended.
What to do if you forget your login information
If you forget your Synchrony username, go to mysynchrony.com and click "Forgot Username?" You will be asked to enter your Target RedCard number and zip code. Synchrony will display your username or send it to the email address on file.
If you forget your password, click "Forgot Password?" on the login page. You will verify your identity using your card number and zip code, then receive a link via email to create a new password. This process takes a few minutes and does not require you to call customer service.
If you cannot remember your card number or zip code, or if you do not have access to the email address on file, you will need to call Synchrony customer service at the number on the back of your Target RedCard. A representative can verify your identity through other means and help you regain access to your account.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. In your Synchrony account, go to the payment section and look for "Autopay" or "Automatic Payments." You can set up automatic payments to occur on a date you choose each month—typically the day your paycheck arrives or the day after.
You can choose to pay your full statement balance, a fixed amount, or the minimum payment due. Most people choose to pay the full balance each month to avoid interest charges. If your balance varies month to month, paying the full balance ensures you do not carry a balance forward.
You can change or cancel automatic payments at any time through your online account. If you cancel, you will need to make manual payments going forward, so set a reminder on your phone or calendar to avoid late fees.
Why your payment might not show up when ready
Payments do not always appear in your account the moment you submit them online. The time between submission and posting depends on the payment method and the day of the week you submit. Payments submitted on a weekend or holiday may not process until the next business day.
Bank account transfers (ACH) can take up to three business days to post, even though you submitted the payment when ready. This delay is built into the banking system and is not something Synchrony can speed up. If you need the payment to post faster, use a debit card instead, though you will pay a fee.
If more than three business days have passed since you submitted a bank transfer and the payment still has not posted, log back into your account and check the payment history. If the payment shows as "pending" or "processing," wait one more business day. If it shows as "failed," you will need to resubmit the payment or call Synchrony to find out why it did not go through.
Frequently Asked Questions
Can I pay my Target credit card through Target.com or the Target app?
No. Target.com and the Target mobile app do not have a payment feature for the Target RedCard. You must go to mysynchrony.com to pay your bill. Some third-party payment services claim to let you pay through their platform, but paying directly through Synchrony is safer and avoids unnecessary fees.
Is there a fee to pay my Target credit card online?
Paying from a bank account is free. Paying with a debit card carries a fee, typically around $10 or a small percentage of the payment amount. Synchrony will show you the fee amount before you confirm the payment, so you can decide whether to use that method or switch to a free bank transfer.
What happens if I miss my payment due date?
A late fee will be added to your account, usually $25 to $40 depending on your card terms. Your interest rate may also increase. If you miss a payment, make one as soon as possible. Even if you are a few days late, paying when ready will prevent additional fees from accumulating.
Can I set up a payment for a future date?
Yes. When you make a payment on mysynchrony.com, you can choose a specific date for the payment to post. This is useful if you want to schedule a payment for the day after payday. The payment will not be processed until the date you select.
What should I do if my payment fails?
Log back into your Synchrony account and check your payment history to see why it failed. Common reasons include insufficient funds in your bank account, an expired debit card, or an incorrect routing number. Once you fix the issue, resubmit the payment. If you are unsure why it failed, call the number on the back of your card to speak with a representative.