How to sign in to your Synchrony Bank Amazon account
To log into your Synchrony Bank Amazon payment account, go to synchronybank.com and click "Log In" in the top right corner. Enter your username or email address and password, then click "Sign In". If you have set up two-factor authentication (which Synchrony recommends), you will receive a code on your phone or email and must enter it to complete login.
If you do not yet have a Synchrony Bank online account, you will need to create one first. You can set this up at synchronybank.com by clicking "Enroll Now" and following the registration steps. You will need your Amazon credit card number, Social Security number, and date of birth to register.
Once you are logged in, you can view your account balance, recent transactions, make payments, set up automatic payments, and read statements. The dashboard shows your current balance, minimum payment due, and payment due date at a glance.
Key Takeaways
- Log in at synchronybank.com using your username or email and password, plus any two-factor authentication code if you have set that up.
- New users must register first using their Amazon credit card number, Social Security number, and date of birth.
- After logging in, you can view your balance, make payments, set up automatic payments, and read statements from your account dashboard.
- If you forget your password, use the "Forgot Password" link on the login page to reset it through email or security questions.
- Two-factor authentication adds an extra security layer by requiring a code sent to your phone or email each time you log in.
Setting up your online account for the first time
When you first enroll in Synchrony Bank's online portal, have your Amazon credit card and a valid email address ready. Click "Enroll Now" on the Synchrony Bank homepage and select "Amazon Credit Card" as your card type. You will be asked to enter your card number, last name, date of birth, and the last four digits of your Social Security number.
After you submit this information, Synchrony will verify your identity. You will then create a username and password. Your username can be your email address or a custom name you choose. Your password must be at least 8 characters and include uppercase letters, lowercase letters, numbers, and special characters (like ! or @).
Once your account is created, you can log in when ready. Synchrony will ask if you want to set up two-factor authentication at this point — this is optional but strongly recommended for security.
Resetting a forgotten password
If you forget your Synchrony Bank password, click "Forgot Password" on the login page at synchronybank.com. You will be asked to enter your username or email address. Synchrony will then send a password reset link to the email address on file with your account.
Click the link in that email and you will be taken to a page where you can create a new password. The link typically expires after a few hours, so complete this step soon after requesting it. If you do not receive the email, check your spam or junk folder, or wait a few minutes and request a new link.
If you cannot access the email address associated with your account, you can answer security questions instead. On the "Forgot Password" page, select "Answer security questions" and provide answers to questions you set up when you registered (such as your mother's maiden name or the name of your first pet).
Making a payment through your online account
Once logged in, click "Make a Payment" or "Pay Now" on your dashboard. You will see your current balance and minimum payment due. You can choose to pay the full balance, the minimum payment, or a custom amount.
Select your payment method: you can pay from a checking or savings account (using bank routing and account numbers), or by debit card. Enter the account or card details and choose your payment date. Payments made before 8 p.m. Eastern Time on a business day typically post the next business day. Payments made after 8 p.m. or on weekends may take an additional day.
Review the payment details carefully before confirming. You will receive a confirmation number on screen and via email. Keep this number for your records.
Setting up automatic payments
Automatic payments let you schedule recurring payments so you do not have to log in each month. Click "Manage Auto Pay" or "Set Up Auto Pay" in your account. Choose whether you want to pay your full balance, minimum payment, or a fixed amount each month.
Select the payment method (checking account, savings account, or debit card) and the date each month when the payment should be taken from your account. You can change or cancel automatic payments at any time by logging back in and adjusting your settings.
Synchrony will send you a reminder email a few days before each automatic payment is scheduled to post. This gives you a chance to verify the amount and may support funds are available in your payment account.
Viewing your statement and transaction history
Your account dashboard displays recent transactions as soon as you log in. To see a full month-by-month statement, click "Statements" or "View Statements" in the menu. You can view statements from the current month and previous months, usually going back several years.
Each statement shows your opening balance, all purchases and payments made during that month, interest charges (if any), fees, and your closing balance. You can read statements as PDF files to save or print them. Statements are usually available within a few days after your billing cycle closes.
If you notice a transaction you do not recognize or believe is incorrect, contact Synchrony Bank customer service through the phone number on the back of your card or through the "Contact Us" link in your online account.
Troubleshooting common login issues
If you see an error message saying your username or password is incorrect, double-check that you are typing them exactly as you set them up — passwords are case-sensitive, meaning capital and lowercase letters matter. If you are still unable to log in, use the "Forgot Password" link to reset your password.
If your account is locked after multiple failed login attempts, wait 15 to 30 minutes before trying again. This is a security feature to protect your account from unauthorized access. If you continue to have trouble, contact Synchrony Bank customer service at the number on your card.
If you are having trouble with two-factor authentication, make sure the phone number or email address on file with Synchrony is current and correct. You can update this information in your account settings under "Security" or "Contact Information". If you are not receiving the authentication code, check your spam folder or request a new code.
Frequently Asked Questions
Can I log into my Synchrony Amazon account on my phone?
Yes. Synchrony Bank has a mobile app available for iPhone and Android that lets you log in and manage your account on the go. You can also log into synchronybank.com using a mobile web browser. The mobile app and mobile website have the same features as the desktop version, including viewing your balance, making payments, and downloading statements.
What should I do if I think someone else logged into my account?
Contact Synchrony Bank when ready using the phone number on the back of your card. Do not delay — the sooner you report suspicious activity, the faster Synchrony can investigate and protect your account. You can also change your password right away by using the "Forgot Password" link, and consider enabling or updating two-factor authentication for added security.
Is it safe to log in on a public computer or public WiFi?
It is safer to log in on your own computer and personal WiFi network. If you must use a public computer, log out completely when you are finished and clear the browser history. Avoid logging in on public WiFi without a VPN (virtual private network), as unsecured networks can make it easier for others to see your login information. When possible, use your phone's data connection instead.
How do I change my username or password?
Log into your account and look for "Security Settings," "Account Settings," or "Change Password" in the menu. Click the option to change your password and enter your current password, then create a new one. To change your username, look for a similar option in your account settings. If you cannot find these options, contact Synchrony Bank customer service for help.
What if I have not used my account in a long time?
Your account remains active as long as your Amazon credit card is open. If you have not logged in for an extended period, try logging in with your username and password. If you have forgotten your login details, use the "Forgot Password" link to reset them. If your account has been closed or your card is no longer active, you will not be able to log in.