What Mysynchrony is and where to log in
Mysynchrony is the online portal and mobile app where you manage a Synchrony-issued credit card or store card. Synchrony finances cards for retailers like Amazon, Lowe's, Best Buy, and many others. When you log in to Mysynchrony, you can check your balance, make payments, view statements, and update your account details.
The login page is at mysynchrony.com. You can also read the Mysynchrony mobile app from the Apple App Store or Google Play Store and log in there. Both the website and app use the same username and password.
If you have multiple Synchrony cards (for different retailers), you can see all of them in one Mysynchrony account once you link them. You do not need separate logins for each card.
Key Takeaways
- Mysynchrony.com is where you log in to manage any Synchrony-issued credit card or store card from one account.
- You will need your username and password, or you can log in using your Social Security number and date of birth if you do not remember your username.
- If you do not have a Mysynchrony account yet, you must register on the website or app before you can log in.
- You can make payments, check your balance, read statements, and change your contact information once you are logged in.
- The mobile app and website are connected to the same account, so changes you make in one show up in the other.
Steps to log in with your username and password
Go to mysynchrony.com on a web browser or open the Mysynchrony app. On the login screen, enter your username in the first field and your password in the second field. Then click or tap the Sign In button.
If your login is correct, you will see your account dashboard showing your card or cards, current balance, and recent transactions. If you see an error message, double-check that you typed your username and password exactly as they were set up — passwords are case-sensitive, meaning capital and lowercase letters matter.
For security, Mysynchrony may ask you to verify your identity using a code sent to your phone or email. If this happens, check the phone number or email address on file, find the code in your text message or email inbox, and enter it on the screen. This extra step protects your account from unauthorized access.
How to log in if you forgot your username or password
On the Mysynchrony login page, look for the link that says Forgot Username? or Forgot Password? Click or tap it. You will be asked to enter your Social Security number and date of birth to confirm your identity. Mysynchrony will then show you your username or send you a link to reset your password.
If you reset your password, the link you receive will take you to a page where you create a new password. Make sure your new password is at least eight characters long and includes a mix of letters, numbers, and symbols — this makes it harder for someone else to guess. Write down your new password somewhere safe, or use a password manager to store it.
If you do not remember your Social Security number or the date of birth on file, you will need to contact Synchrony customer service by phone. The phone number is on the back of your card or on your most recent statement.
Setting up a new Mysynchrony account if you do not have one
If you have a Synchrony card but have never logged in to Mysynchrony, you must register first. Go to mysynchrony.com and click or tap Register or Create Account. You will be asked to enter your card number, Social Security number, and date of birth.
After you verify your identity, you will create a username and password. Choose a username you will remember and a strong password with letters, numbers, and symbols. You may also be asked to set up a security question and answer — this is another way to prove who you are if you forget your password.
Once registration is complete, you can log in with your new username and password. Your account will show all Synchrony cards linked to your Social Security number, so if you have more than one, they will all appear on your dashboard.
What you can do once you are logged in
After you log in, your dashboard shows your current balance, credit limit, and available credit for each card. You can click or tap on any card to see more details, including recent purchases, pending transactions, and your payment history.
To make a payment, look for the Make a Payment button or link on your dashboard. You can pay from a bank account, debit card, or previous payment method on file. Mysynchrony will show you the minimum payment due and the due date. You can pay the full balance, the minimum, or any amount in between.
You can also read or view your statements, update your mailing address or phone number, set up automatic payments, and manage your account settings. If your card is lost or stolen, you can report it through Mysynchrony and request a replacement card.
Troubleshooting common login problems
If you see a message saying your account is locked, it usually means you entered your password incorrectly several times in a row. Mysynchrony locks the account temporarily for security. Wait a few hours and try again, or use the Forgot Password link to reset it.
If the website or app is not loading, try clearing your browser's cache and cookies, or uninstall and reinstall the mobile app. Make sure you are using a current version of your web browser or that your phone's operating system is up to date. If the problem continues, contact Synchrony customer service — the issue may be on their end.
If you are using a public or shared computer, always log out when you are done. Click or tap the Sign Out or Logout button. Do not leave your account open, even if you are stepping away for a few minutes.
Security tips for your Mysynchrony login
Never share your username, password, or the code Mysynchrony sends to your phone with anyone — not even Synchrony employees. Synchrony will never ask you for your password by email or phone. If someone contacts you claiming to be from Synchrony and asks for your login details, hang up or delete the message and call the number on the back of your card instead.
Use a unique password for Mysynchrony that you do not use for other websites or apps. If one site is hacked, a unique password means your other accounts stay safe. Consider using a password manager like Bitwarden, 1Password, or Dashlane to generate and store strong passwords.
Log in only through mysynchrony.com or the official Mysynchrony app. Do not click links in emails or texts that claim to take you to Mysynchrony — type the web address yourself or open the app directly. Scammers sometimes send fake emails that look like they are from Synchrony but actually lead to fake login pages designed to steal your information.
Frequently Asked Questions
Can I log in to Mysynchrony on my phone?
Yes. read the Mysynchrony app from the Apple App Store or Google Play Store, open it, and log in with your username and password. The app works the same way as the website and shows the same information. You can make payments, check your balance, and manage your account from your phone.
What if I have multiple Synchrony cards?
All your Synchrony cards linked to the same Social Security number will show up in one Mysynchrony account. You do not need separate logins. On your dashboard, you will see each card listed, and you can click or tap on any one to view its details or make a payment.
How long does it take to reset my password?
If you use the Forgot Password link, Mysynchrony will send you a reset link by email within a few minutes. Click the link, create your new password, and you can log in right away. If you do not see the email, check your spam or junk folder.
Is it safe to save my password in my browser?
Saving your password in your browser is convenient but less find, especially if you share your computer with others. A password manager is safer because it encrypts your passwords and you access them with one master password. If you use a shared computer, do not save your Mysynchrony password in the browser.
What should I do if I think someone else logged into my account?
Change your password when ready using the Forgot Password link. Then contact Synchrony customer service by phone — the number is on the back of your card. Tell them about the unauthorized access so they can review your account for fraudulent charges and help you find it.