How to access your Amazon Synchrony card account online

You can log in to your Amazon Synchrony credit card account through the Synchrony website or the Synchrony mobile app. The login process is the same whether you're checking your balance, making a payment, or viewing your statement — you'll enter your username and password on the Synchrony portal, not through Amazon itself.

If you've never logged in before, you'll need to set up your online account first. This takes a few minutes and requires your card number and Social Security number to verify your identity.

Key Takeaways

  • Log in at synchrony.com or through the Synchrony mobile app using your username and password, not your Amazon account credentials.
  • New cardholders must register for an online account before they can log in, which requires their card number and the last four digits of their Social Security number.
  • If you forget your password, use the "Forgot Password" link on the login page to reset it by email or security questions.
  • You can make payments, view statements, set up autopay, and manage your account settings once you're logged in.

Steps to log in if you already have an account

Go to synchrony.com and look for the login box on the homepage. Enter your username in the first field and your password in the second field, then click "Sign In." You'll be taken to your account dashboard.

If you're using the Synchrony mobile app, open it and tap "Sign In," then enter the same username and password. The app is available on both iOS and Android devices and works the same way as the website.

Your account will show your current balance, available credit, recent transactions, and due date. From here you can navigate to make a payment, read statements, or change your account settings.

How to set up your account if you're logging in for the first time

Visit synchrony.com and click "Register" or "Create Account" on the homepage. You'll be asked to enter your card number (the 16 digits on the front of your card) and the last four digits of your Social Security number to confirm your identity.

Next, you'll create a username and password. Your username can be an email address or a custom name you choose. Your password must be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and a special character (like ! or @).

After you create your login credentials, Synchrony will ask you to set up security questions — typically three questions like "What city were you born in?" or "What was your first pet's name?" You'll use these answers if you ever need to reset your password. Write down your answers somewhere safe.

Once registration is complete, you can log in using your new username and password.

What to do if you forget your password

On the synchrony.com login page, click "Forgot Password?" below the password field. Synchrony will ask you to enter your username or the email address associated with your account.

You'll then have two options: receive a password reset link by email, or answer your security questions to reset your password on the spot. The email option is usually faster — check your inbox (and spam folder) for a message from Synchrony with a link that lets you create a new password.

If you choose the security questions route, you'll answer the three questions you set up during registration. If your answers match what Synchrony has on file, you can create a new password when ready.

Troubleshooting common login problems

If you see a message that your username or password is incorrect, check that you're typing them exactly as you created them — passwords are case-sensitive, so "MyPassword" is different from "mypassword." If you're still stuck, use the "Forgot Password?" link to reset.

If your account is locked after several failed login attempts, wait 15 to 30 minutes before trying again. Synchrony locks accounts temporarily as a security measure. If the account remains locked after that time, call the customer service number on the back of your card.

If you're having trouble on the mobile app, try logging in on the website instead to see if the problem is with the app or your account. You can also clear the app's cache and reinstall it if it's not working properly.

What you can do once you're logged in

Your account dashboard shows your current balance, credit limit, available credit, and minimum payment due. You can click on "Transactions" or "Activity" to see a detailed list of recent purchases, returns, and payments.

To make a payment, look for a "Make a Payment" button or link. You can pay from a bank account, debit card, or by mailing a check. Payments made before 8 p.m. Eastern Time typically post the same business day.

Under "Statements" or "Documents," you can view and read your monthly statements as PDFs. You can also set up autopay so your payment is made automatically each month on a date you choose.

In "Account Settings" or "Preferences," you can update your contact information, change your password, manage notifications, and set up paperless statements.

Frequently Asked Questions

Can I log in with my Amazon account?

No. Your Amazon account and your Synchrony credit card account are separate. You must create a Synchrony username and password to log in at synchrony.com. Your Amazon login will not work for your card account.

Is it safe to log in on my phone?

Yes, the Synchrony mobile app uses the same security as the website. Make sure you're using the official Synchrony app from the Apple App Store or Google Play Store, not a third-party app. Always log out when you're finished, especially on a shared device.

What if I never received my card and can't log in?

Call the customer service number provided when you opened your account, or contact Amazon directly about your card status. You'll need to verify your identity by providing your Social Security number and other personal information before Synchrony can help you set up your account.

Can I change my username after I create it?

Most cardholders cannot change their username once it's created. If you need to update it, contact Synchrony customer service by calling the number on the back of your card and ask if a change is possible in your situation.

How do I log out of my account?

Look for a "Sign Out," "Logout," or "Exit" button, usually in the top right corner of the page or in the menu. Always log out when you're finished, especially if you're using a public or shared computer.