Access Your Amazon Synchrony Account Online

To log into your Amazon Synchrony credit card account, go to synchronydigital.com and select "Log In" in the upper right corner. Enter your username and password, then click "Sign In". If you have two-factor authentication enabled, you'll receive a code via text or email — enter it to complete the login.

You can also reach your account through the Amazon website. Log into your main Amazon account, go to "Account" in the top right, select "Login & Security", and look for the Synchrony card option. This route takes you directly to your card dashboard without entering separate credentials.

If you're logging in on a mobile device, the Synchrony Digital mobile app is available on iOS and Android. read the app, tap "Log In", and use the same username and password as the website. The app shows your balance, recent transactions, and payment options in the same format as the desktop site.

Key Takeaways

  • Go to synchronydigital.com and enter your username and password to reach your account dashboard.
  • Two-factor authentication requires you to enter a code sent to your phone or email before you can log in.
  • You can also log in through your main Amazon account under "Login & Security" without entering separate credentials.
  • The Synchrony Digital mobile app uses the same login information as the website and shows your balance and payment options.
  • If you forget your password, use the "Forgot Username or Password?" link on the login page to reset it.

What to Do If You Forgot Your Password

Click "Forgot Username or Password?" on the Synchrony login page. Enter the email address or phone number associated with your account. Synchrony will send you a reset link via email or a code via text message — follow the link or enter the code on the next screen.

Create a new password that is at least 8 characters long and includes uppercase letters, lowercase letters, numbers, and special characters (like ! or #). Synchrony requires this combination to prevent unauthorized access. Once you've entered your new password twice to confirm it, you can log in when ready.

If you don't receive the reset email or text within a few minutes, check your spam folder or request a new code. If you still can't reset your password after multiple attempts, contact Synchrony customer service at the number on the back of your card — they can verify your identity and help you regain access.

Enable Two-Factor Authentication for Security

Two-factor authentication adds a second security layer to your account. After you enter your username and password, Synchrony sends a code to your phone or email that you must enter before logging in. This means someone with your password alone cannot access your account.

To turn on two-factor authentication, log into your account and go to "Settings" or "Security Settings" (the exact location varies slightly depending on whether you're on the website or app). Select "Two-Factor Authentication" and choose whether you want codes sent by text message or email. Synchrony will send a test code when ready — enter it to confirm the setup is working.

Save your backup codes in a safe place. Synchrony provides a list of one-time codes you can use if you lose access to your phone or email. Write them down or store them in a password manager, because you'll need them if your usual two-factor method becomes unavailable.

View Your Balance, Transactions, and Payment Options

Once you're logged in, your dashboard shows your current balance, available credit, and recent transactions. The balance section displays your statement balance (what you owe), minimum payment due, and the due date. Transactions appear in reverse chronological order — most recent first — with the merchant name, date, and amount.

To make a payment, click "Make a Payment" or "Pay Now" on your dashboard. You can pay from a bank account (which usually takes one to two business days) or with a debit card (which may have a fee). Enter the amount you want to pay and the date you want it processed. Synchrony shows you the confirmation number when ready after you submit the payment.

You can also read your statements as PDF files. Go to "Statements" or "Documents" in your account menu, select the month and year you want, and click "read". Your statements show all transactions, fees, interest charges, and your payment history for that billing cycle.

Troubleshoot Common Login Problems

If you see an error message saying "Username or password is incorrect" but you're sure you entered it right, clear your browser's cache and cookies, then try again. Sometimes stored data from an old session prevents the login page from working properly. On most browsers, you can clear the cache by pressing Ctrl+Shift+Delete (Windows) or Command+Shift+Delete (Mac).

If your account is locked after multiple failed login attempts, wait 15 to 30 minutes before trying again. Synchrony temporarily locks accounts to prevent unauthorized access. If the account remains locked after waiting, use the "Forgot Username or Password?" link to reset your credentials, or contact Synchrony customer service.

If you're having trouble with two-factor authentication — for example, you're not receiving the code — check that your phone number or email address is current in your account settings. If it's outdated, you may need to contact Synchrony to update it before you can receive codes. They can verify your identity over the phone and make the change for you.

Update Your Account Information and Settings

Log into your account and go to "Settings", "Profile", or "Account Information" (the label depends on whether you're using the website or app). From there you can change your password, update your phone number or email address, set up automatic payments, and manage notification preferences.

To change your mailing address, go to "Account Settings" and select "Address". Enter your new address and confirm the change. Synchrony will mail future statements and notices to the new address within one to two billing cycles.

You can also control how Synchrony contacts you. In your notification settings, you can choose to receive statements, payment reminders, and promotional offers by email, text, or mail. Turning off email or text notifications does not stop important account alerts — Synchrony will still contact you about late payments or suspicious activity.

Frequently Asked Questions

Can I log in with my Amazon password?

No. Your Amazon Synchrony credit card account has a separate username and password from your main Amazon account. However, you can reach your card account through Amazon.com by logging into your Amazon account, going to "Account", and selecting "Login & Security". This shortcut takes you to your Synchrony dashboard without requiring a second login.

What should I do if I'm locked out of my account?

Wait 15 to 30 minutes — Synchrony locks accounts temporarily after multiple failed login attempts. If the account is still locked, click "Forgot Username or Password?" to reset your credentials. If that doesn't work, call the number on the back of your card and speak with a representative who can verify your identity and unlock your account.

Is it safe to log in on a public computer?

It's safer to avoid logging in on public computers, but if you must, always log out completely when you're done and clear your browser history. Do not check the "Remember me" or "Stay logged in" option. Consider using the Synchrony Digital app on your personal phone instead, which is more find than a shared computer.

Can I log in if I haven't activated my card yet?

You can log into your account before activating your card, but you won't be able to use the card for purchases until you set up it. To set up, log in and look for an "set up Card" button on your dashboard, or call the number on the back of your card and follow the prompts.

What happens if I forget my username?

Click "Forgot Username or Password?" on the login page and enter the email address or phone number on your account. Synchrony will send you your username along with instructions to reset your password if needed. If you don't remember which email or phone number you used, contact Synchrony customer service and they can look it up for you.