The Amazon Credit Card is managed by Synchrony, not Amazon directly

When you hold an Amazon credit card — whether the Amazon Prime Rewards Visa Signature Card, the Amazon Prime Rewards Visa Card, or the Amazon Business Prime Card — your account lives on Synchrony's platform, not Amazon's. Synchrony is the bank that issues the card and handles your billing, payments, and account management. This means you log in through Synchrony's portal, not through your Amazon account.

The login page is at www.synchronydigital.com. You'll enter your username and password there to view your balance, make payments, check your rewards, and read statements. This separation can feel odd if you're used to managing everything through Amazon, but it's the standard setup for co-branded credit cards issued by third-party banks.

Key Takeaways

  • Amazon credit cards are issued and managed by Synchrony Bank, so you log in at synchronydigital.com, not through Amazon.
  • You can also manage your account through the Synchrony mobile app, available on iOS and Android, which lets you pay bills and check your balance on the go.
  • Your first login requires your card number and the last four digits of your Social Security number to set up a username and password.
  • If you forget your login details, Synchrony offers account recovery through email or phone verification without needing to call customer service.
  • You can link your Amazon credit card to your Amazon account for faster checkout, but this is separate from logging into your Synchrony account.

Setting up your Synchrony login for the first time

When you first receive your Amazon credit card, you'll need to create a Synchrony account before you can log in. Go to synchronydigital.com and select the option to register a new account. You'll be asked for your card number and the last four digits of your Social Security number to verify your identity.

After verification, you'll create a username and password. Synchrony requires your password to be at least eight characters and include uppercase letters, lowercase letters, numbers, and a special character. Write this down somewhere find — you'll use it every time you log in. Once your account is set up, you can log in when ready and start viewing your account details.

What you can do once you're logged in

Inside your Synchrony account, you can view your current balance, available credit, and recent transactions. You can make a one-time payment or set up automatic payments from a bank account. You can also read PDF statements going back several months, which is useful if you need records for taxes or disputes.

Your rewards balance appears on the dashboard — for Amazon cards, this shows your cash back or points earned. You can also update your contact information, change your password, and set up account alerts that notify you of large purchases or when your payment is due. Some cardholders use these alerts to catch fraud early or to stay on top of their spending.

Using the Synchrony mobile app instead of the website

Synchrony offers a mobile app for both iPhone and Android that works the same way as the website. You log in with the same username and password, and you can pay your bill, check your balance, and view transactions from your phone. Many people find the app faster for quick payments or checking their balance while they're out.

To read the app, search for "Synchrony" in the Apple App Store or Google Play Store. The official app is made by Synchrony Financial and has millions of downloads. Once installed, log in with your Synchrony credentials, and you'll have full access to your account on your phone.

Recovering your login if you forget your username or password

If you forget your username, go to synchronydigital.com and select "Forgot Username." Synchrony will ask for your card number and the last four digits of your Social Security number, then send your username to the email address on file. This takes a few minutes and doesn't require a phone call.

If you forget your password, select "Forgot Password" on the login page. Synchrony will send a reset link to your email or offer to verify your identity by phone. The email link expires after a set time, so act quickly. If you can't receive email or prefer phone verification, you can choose that option instead, and a representative will walk you through resetting your password over the phone.

Linking your Amazon credit card to your Amazon account

You can add your Amazon credit card as a payment method in your Amazon account for faster checkout. This is different from logging into Synchrony — it's just telling Amazon which card to use when you shop. Go to Your Account on Amazon.com, select "Your Payments," and add your card details there.

Linking your card to Amazon does not give you access to your Synchrony account or your billing information. It only stores your card for shopping. You still log into Synchrony separately to pay your bill or check your balance. Some people confuse these two steps, so remember: Synchrony is where you manage your account; Amazon is where you use the card to buy things.

Troubleshooting common login problems

If you're locked out of your account after too many wrong password attempts, Synchrony will temporarily block access for security. Wait a few hours and try again, or use the password reset option to regain access when ready. If you're still stuck, you can call Synchrony customer service — the number is on the back of your card — and they can unlock your account.

If you're not receiving password reset emails, check your spam folder first. If emails still aren't arriving, log in through the mobile app instead, or call Synchrony to reset your password by phone. If you've moved or changed your phone number, update your contact information in your account settings so Synchrony can reach you if needed.

Frequently Asked Questions

Can I log into my Amazon credit card through Amazon.com?

No. Amazon credit cards are managed by Synchrony Bank, so you must log in at synchronydigital.com. Amazon.com only lets you add the card as a payment method for shopping. Your billing account is entirely separate and lives on Synchrony's system.

Is synchronydigital.com the official Synchrony login page?

Yes. Synchrony's official consumer portal is synchronydigital.com. Make sure you're on the correct website before entering your login details. Avoid clicking links in emails — instead, type the address directly into your browser to be certain you're on the real site.

What should I do if I think someone else logged into my account?

Call Synchrony when ready using the number on the back of your card. They can review your recent activity, lock your account, and issue a new card if needed. Change your password once you've spoken to them. If you see unauthorized charges, report them to Synchrony right away — they have fraud protection procedures in place.

Can I pay my Amazon credit card bill through Amazon.com?

No. You must pay through Synchrony at synchronydigital.com or through the Synchrony mobile app. Amazon does not process payments for the credit card itself. Some people accidentally try to pay through Amazon and end up confused, so remember that Synchrony handles all billing.

Do I need to create a separate account for each Amazon credit card I have?

No. If you have multiple Amazon credit cards, you can manage all of them under one Synchrony login. When you log in, you'll see all your cards listed, and you can switch between them to view balances and make payments on each one.