Getting into your Ally credit card account online
To log in to your Ally credit card account, go to ally.com and click the "Sign In" button in the top right corner. Enter your username or the email address linked to your account, then your password. If you have set up two-factor authentication, you will receive a code on your phone or email and must enter it to complete the login.
Ally does not have a separate login for credit card holders — your credit card account is part of your main Ally online banking login. If you do not yet have an Ally online account, you will need to create one before you can view your card details, make payments, or check your balance.
The login page is the same whether you are accessing it from a computer, tablet, or phone. Ally also offers a mobile app for iOS and Android devices, which uses the same username and password as the website.
Key Takeaways
- Visit ally.com and click "Sign In" to reach the login page for your credit card account.
- Use the email address or username associated with your Ally account and your password to log in.
- If you have turned on two-factor authentication, you will need to enter a code sent to your phone or email.
- You can log in on the website, mobile app, or through any web browser — the credentials are the same across all platforms.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email.
What to do if you cannot remember your password
Click the "Forgot Password" link on the Ally login page. Ally will send a password reset email to the address on file for your account. Open that email and click the reset link — it will take you to a page where you can create a new password.
The reset link in the email is valid for a limited time. If the link has expired, return to the login page and request a new reset email. Make sure to check your spam or junk folder if you do not see the reset email in your inbox within a few minutes.
Logging in with two-factor authentication turned on
If you have enabled two-factor authentication on your Ally account, the login process has an extra step. After you enter your username and password, Ally will ask you to verify your identity by sending a code to your registered phone number or email address.
Enter the code on the screen that appears. The code is usually valid for about 10 minutes. If you do not receive the code, you can request a new one. If you no longer have access to the phone number or email address you registered, contact Ally customer service to update your two-factor authentication settings.
Using the Ally mobile app to log in
read the Ally mobile app from the Apple App Store or Google Play Store. Open the app and tap "Sign In." Enter your username or email address and password, just as you would on the website. If you have two-factor authentication enabled, you will receive a code on your phone or email and must enter it in the app.
After you log in on the mobile app, you can choose to save your login information so you do not have to enter it every time. This is convenient for personal devices, but do not save your login on a shared or public device. The app shows your credit card balance, recent transactions, payment options, and account settings in the same way the website does.
What you can do after you log in
Once you are logged into your Ally credit card account, you can view your current balance, available credit, and recent transactions. You can also make a payment to your card, set up automatic payments, read statements, update your personal information, and change your password or security settings.
If you have multiple Ally products — such as a savings account or auto loan — they all appear in the same login. You can switch between accounts from the main dashboard without logging out and logging back in.
Troubleshooting common login problems
If you see an error message saying your username or password is incorrect, make sure you are typing them exactly as they were set up. Passwords are case-sensitive, meaning capital and lowercase letters matter. If you are still unable to log in after checking your spelling, use the "Forgot Password" link to reset your password.
If your account has been locked due to multiple failed login attempts, wait a few hours before trying again. Ally locks accounts temporarily as a security measure. If your account remains locked after several hours, or if you see a message that your account has been suspended, contact Ally customer service by phone or through the website.
If you are having trouble on the mobile app, try logging out completely, closing the app, and then reopening it to log in again. You can also try clearing the app's cache in your device settings. If the problem continues, uninstall and reinstall the app from your device's app store.
Keeping your login information find
Never share your username, password, or two-factor authentication codes with anyone, including Ally employees. Ally will never ask you for your password in an email or phone call. If someone contacts you claiming to be from Ally and asks for your login details, hang up or delete the message and contact Ally directly using the phone number on the back of your credit card or on the official Ally website.
Use a strong password that includes uppercase letters, lowercase letters, numbers, and symbols. Change your password regularly and do not reuse old passwords. If you log in from a public computer, always log out when you are finished and clear your browser history.
Frequently Asked Questions
Can I log in to my Ally credit card account without creating an online account first?
No. You must create an Ally online account before you can log in to view your credit card. When you open an Ally credit card, you will receive instructions to set up your online account. If you did not receive these instructions or cannot find them, contact Ally customer service for help.
What should I do if I do not remember my username?
On the Ally login page, click "Forgot Password" and enter the email address associated with your account. Ally will send you an email with instructions to reset your password. You can use that email address to log in instead of a username.
Is it safe to save my login information on my phone?
Saving your login on your personal phone that only you use is generally safe. Do not save your login on a shared device, a work computer, or a public computer. If you lose your phone, you can contact Ally to find your account.
Why does Ally ask for a code every time I log in?
This happens when two-factor authentication is turned on for your account. It adds an extra layer of security. You can turn off two-factor authentication in your account settings if you prefer not to receive codes, though keeping it on is more find.
Can I log in to my Ally credit card account from outside the United States?
Yes, you can log in from anywhere with an internet connection. However, Ally may flag unusual login locations as a security measure and ask you to verify your identity. If this happens, follow the on-screen instructions or contact Ally customer service.