Where to log in to your Target credit card account
You log in to your Target credit card account through Synchrony Financial, the bank that issues the card. Target does not run the payment portal itself — Synchrony handles all account management, billing, and payments. You can reach the login page at mysynchrony.com or through the Synchrony mobile app, which you can read from the Apple App Store or Google Play.
When you arrive at mysynchrony.com, you will see a login box asking for your username and password. If you have never logged in before, you will need to create an account first. You can do this on the same page by selecting the option to register as a new user. You will need your Target credit card number and the phone number or email address associated with your account.
The Synchrony app offers the same login and payment functions as the website. Many people find the app faster for one-time payments because you can save your login information on your phone and avoid typing it each time.
Key Takeaways
- Your Target credit card account lives at mysynchrony.com or in the Synchrony mobile app, not on Target's website.
- You need a username and password to log in; if you do not have one yet, you can create an account using your card number and contact information.
- Once logged in, you can make a one-time payment, set up automatic payments, or view your full billing history and statement.
- If you forget your password, Synchrony will send a reset link to your email or phone number within minutes.
Creating your Synchrony account for the first time
The first time you log in, you will register rather than sign in. Have your Target credit card in front of you. Go to mysynchrony.com and select "Register" or "New User." Synchrony will ask for your card number, the last four digits of your Social Security number, your date of birth, and your zip code. This information confirms you are the cardholder.
Next, you will create a username and password. Your username can be an email address or a custom name you choose. Your password must be at least eight characters and include at least one number and one uppercase letter. Write down your username and password somewhere safe — you will need them every time you log in.
Synchrony will then ask you to verify your identity by sending a code to your phone or email. Enter that code on the next screen. Once verified, your account is active and you can log in when ready.
Making a one-time payment after you log in
After you log in, the main dashboard shows your current balance, due date, and minimum payment. To pay now, look for a button labeled "Make a Payment" or "Pay Now" — the exact wording varies slightly between the website and app. Click it and you will see a payment screen.
Enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Then choose your payment method. Synchrony accepts payments from a checking or savings account (which usually post within one business day) or from a debit card (which may take slightly longer). Enter the account or card details and confirm the payment. Synchrony will show you a confirmation number when ready and send a receipt to your email.
Payments made before 8 p.m. Eastern Time on a business day usually post the next day. Payments made after 8 p.m. or on weekends post the following business day.
Setting up automatic payments so you do not miss a due date
If you want Synchrony to withdraw your payment automatically each month, log in and look for "Autopay," "Automatic Payments," or "Recurring Payments" in the account settings or payment section. Select this option and Synchrony will ask you three things: the amount you want to pay each month, the day of the month you want it paid, and which bank account or debit card to pull the money from.
You can choose to pay your full statement balance, your minimum payment, or a fixed dollar amount. Most people choose either the full balance (so they never carry debt) or the minimum payment (to keep more cash on hand). Once you set it up, Synchrony will pull that payment automatically on the date you chose, every month, until you turn it off.
You can change or cancel automatic payments anytime by logging back in and editing your autopay settings. There is no penalty for stopping automatic payments.
What to do if you cannot log in or forgot your password
If you forgot your password, go to mysynchrony.com and select "Forgot Password?" on the login screen. Enter your username or the email address tied to your account. Synchrony will send a password reset link to that email within a few minutes. Click the link, create a new password, and you can log in right away.
If you forgot your username, select "Forgot Username?" instead. Synchrony will ask for your card number and date of birth, then email your username to you.
If you cannot remember the email address or phone number on file with your account, or if you think someone else may have accessed your account, call Synchrony customer service at the number on the back of your Target credit card. A representative can verify your identity and help you regain access.
Viewing your statement and transaction history
Once you are logged in, you can see your current statement and all past statements. Look for a section called "Statements," "Billing," or "Account Details." Synchrony usually shows your last 12 months of statements. You can read any statement as a PDF file to save or print.
You can also see a list of every transaction on your card — each purchase, credit, and payment. This list appears under "Transaction History" or "Recent Activity." You can filter transactions by date range or search for a specific merchant. This is useful if you are looking for a charge you do not recognize or if you need to verify that a payment posted.
Frequently Asked Questions
Can I pay my Target credit card bill on Target.com instead of Synchrony?
No. Target's website does not have a payment portal for the Target credit card. You must go to mysynchrony.com or use the Synchrony app. Target's website will direct you to Synchrony if you search for payment options there.
Is it safe to enter my bank account information on Synchrony?
Yes. Synchrony is a major bank and uses the same encryption and security standards as other financial institutions. Your bank account information is encrypted and not shared with Target or other third parties. If you are uncomfortable entering your bank details online, you can pay by debit card instead, which requires only the card number and expiration date.
What happens if I pay late?
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee (the amount varies) and may report the late payment to credit bureaus, which can lower your credit score. If you are close to your due date, call Synchrony at the number on your card to confirm whether a payment you made has posted yet.
Can I pay my bill by phone instead of online?
Yes. Call the customer service number on the back of your Target credit card and a representative can take a payment over the phone using your checking account or debit card. There is no fee for phone payments.
What if I see a charge on my statement that I did not make?
Log in to your Synchrony account and look for the disputed charge in your transaction history. Note the merchant name, date, and amount. Then call Synchrony at the number on your card and tell them you want to dispute the charge. Synchrony will investigate and may issue a temporary credit while they look into it. Keep any receipts or emails related to the charge.