Where to log in to your Sephora credit card account
The Sephora credit card is issued by Synchrony Bank, not by Sephora itself. This means you log in through Synchrony's website or mobile app, not through Sephora.com. Go to mysynchrony.com to access your account online, or read the Synchrony mobile app from your phone's app store.
When you first set up your account, you created a username and password. Use those credentials to log in. If you do not remember your username or password, both can be reset on the login page before you enter your credentials.
You can also call Synchrony's customer service number, which is printed on the back of your Sephora credit card. A representative can walk you through your account or answer questions about your balance and payment history without logging in online.
Key Takeaways
- Your Sephora credit card account lives on mysynchrony.com or the Synchrony mobile app, not on Sephora's website.
- You log in with the username and password you created when you opened the card, or you can reset either one on the login page.
- Your payment history, current balance, and due date are all visible once you log in.
- If you cannot remember your login information, you can call the customer service number on the back of your card instead.
What you can see once you are logged in
After logging in, your dashboard shows your current balance, available credit, and the date your next payment is due. You can also see a list of recent transactions, which tells you what you bought, when, and how much each purchase cost.
Scroll down or look for a "Payment History" or "Statements" section to view past payments you have made. This shows the date each payment posted, the amount, and the method you used (online, by phone, by mail, or automatic). You can also read or view your monthly statement as a PDF, which is useful if you need a record for your own files.
How to make a payment from your account
Once logged in, look for a button or link that says "Make a Payment" or "Pay Now." Click it to enter the amount you want to pay and choose your payment method. Synchrony accepts payments from a bank account (by electronic transfer), by debit card, or by credit card.
You can also set up automatic payments so that a fixed amount or your full balance is paid on the same day each month. This prevents missed payments and late fees. If you set up automatic payments, you can still log in anytime to make an extra payment if you want to pay down your balance faster.
Payments made online usually post within one business day. If you pay by mail, allow 7 to 10 business days for the payment to reach Synchrony and post to your account. If your payment is due soon, paying online is faster than mailing a check.
Resetting your login information
On the mysynchrony.com login page, you will see a link that says "Forgot Username?" or "Forgot Password?" Click the link that matches what you need to reset. You will be asked to enter your card number and other identifying information (such as your date of birth or the last four digits of your Social Security number).
After you verify your identity, Synchrony will send a reset link or temporary password to the email address on file. Follow the link or use the temporary password to create a new one. Make sure to choose a password that is hard to guess and that you have not used for other accounts.
Logging in on your phone
The Synchrony mobile app works the same way as the website. read it from the Apple App Store or Google Play, then log in with your username and password. The app shows your balance, recent transactions, and payment history in the same format as the website.
Many people find the app faster for checking their balance or making a quick payment because it is already on their phone. You can also set up push notifications so that Synchrony reminds you when your payment is due.
What to do if you cannot log in
If you have reset your password and still cannot log in, or if you see an error message, call the customer service number on the back of your card. A representative can confirm your identity and either help you regain access or answer your questions about your account over the phone.
If your account has been locked due to multiple failed login attempts, Synchrony will unlock it after a set period of time (usually a few hours). You can also call to request an unlock sooner. Do not try to log in repeatedly if you keep getting an error, as this can trigger the security lock.
Understanding your statement and payment terms
Your monthly statement shows your opening balance, all purchases and credits from that month, your closing balance, and your minimum payment due. The statement also lists the interest rate (called the APR, or annual percentage rate) and tells you how much interest you will pay if you only make the minimum payment.
Your due date is usually the same day each month. If that day falls on a weekend or holiday, your due date moves to the next business day. Payments are considered on time if they post by 11:59 p.m. Eastern Time on your due date. If you pay after that time, the payment may post the next day and could be reported as late.
Frequently Asked Questions
Can I pay my Sephora credit card bill through Sephora.com?
No. Sephora does not process payments for the Sephora credit card. You must pay through Synchrony at mysynchrony.com, the Synchrony app, or by calling the number on your card. Sephora handles the shopping side; Synchrony handles the credit side.
What happens if I miss a payment?
If your payment does not post by your due date, Synchrony will charge a late fee (the amount varies by state and your card terms). A late payment may also be reported to credit bureaus, which can lower your credit score. If you miss a payment, log in and pay as soon as you can to stop additional fees.
Can I see my credit limit and available credit when I log in?
Yes. Your dashboard shows both your total credit limit and how much of that limit you have used. Available credit is the difference between the two. If you are close to your limit, you can pay down your balance to free up more credit for future purchases.
Is it safe to log in on my phone or a public computer?
Logging in on your own phone is safe. On a public computer (like one at a library), avoid logging in if possible. If you must, log out completely when you are done and clear your browser history. Never save your password in a public computer's browser.
How far back can I see my payment history?
Most accounts show at least 12 months of payment history online. If you need records from longer ago, call Synchrony customer service and ask them to mail you older statements or provide the information over the phone.