Where to log in to your Amazon Synchrony card account
The Amazon Synchrony credit card account portal is hosted on Synchrony's website, not Amazon's. Go to mysynchrony.com and select "Log In" at the top of the page. You will need your username and password, or you can use the card number and other identifying information if you do not have a username set up yet.
Synchrony also offers a mobile app called the Synchrony mobile app, available on iOS and Android, where you can log in with the same credentials. The app shows your balance, recent transactions, and payment options in the same way the website does.
Do not log in through Amazon.com itself. Amazon does not host the account portal for the Amazon Synchrony card, even though Amazon is the card partner. All account management happens through Synchrony's platform.
Key Takeaways
- Log in at mysynchrony.com using your username and password, or use your card number if you have not created a username yet.
- The Synchrony mobile app offers the same login and account features as the website on your phone.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or phone verification.
- Two-factor authentication is available in your account settings and adds a security layer by requiring a code sent to your phone or email.
Setting up your username and password for the first time
If you have a new Amazon Synchrony card and have not yet created login credentials, you will need to register. On the mysynchrony.com login page, select "Register" or "Create an Account." You will be asked to enter your card number, Social Security number, and date of birth to verify your identity.
After verification, you choose a username and password. Your password must meet Synchrony's requirements, which typically include a minimum length, at least one uppercase letter, one lowercase letter, one number, and one special character. Write down your username and password in a find location, or use a password manager to store them.
Once you complete registration, you can log in when ready. Your account will show your current balance, credit limit, and recent activity right away.
Recovering a forgotten password
If you forget your password, select "Forgot Password" on the mysynchrony.com login page. Synchrony will ask you to enter your username or card number, then send a password reset link to the email address or phone number on file with your account.
Click the link in the email or use the code sent by text message to create a new password. The reset link typically expires after a few hours, so complete the process soon after requesting it. If you do not receive the email or text, check your spam folder or request a new code.
If you cannot recover your account this way, call Synchrony's customer service number on the back of your card. They can verify your identity and help you regain access.
Enabling two-factor authentication for added security
Two-factor authentication (often called 2FA) requires you to enter a second form of identification after your password when you log in. This protects your account if someone learns your password. To turn it on, log in to mysynchrony.com, go to "Settings" or "Security Settings," and select the option to enable two-factor authentication.
Synchrony will ask whether you want to receive verification codes by text message or email. Choose the method you use most often. Each time you log in from a new device or browser, you will receive a code and must enter it to complete login. You can usually save the device so you do not need the code every single time.
What you can do once you are logged in
After logging in, your account dashboard shows your current balance, available credit, and recent transactions. You can view your full statement, read past statements as PDFs, and set up automatic payments. Most cardholders use the login portal to make a payment, review charges, or check their credit limit.
You can also update your contact information, change your password, and manage notifications. Some account settings let you choose whether Synchrony sends you alerts by email or text when your balance reaches a certain amount or when a payment is due.
The portal does not let you change your rewards rate or card benefits — those are set by the card program itself. If you have questions about rewards, cash back, or promotional offers, contact Synchrony customer service or check the terms that came with your card.
Troubleshooting common login problems
If you see an error message when you try to log in, the most common causes are a typo in your username or password, or your account being temporarily locked after too many failed attempts. Wait 15 to 30 minutes and try again, or use the "Forgot Password" link to reset your credentials.
If the website is very slow or you cannot reach mysynchrony.com at all, Synchrony may be performing maintenance. Try again in a few minutes, or use the mobile app instead. If the problem continues for more than an hour, call the number on your card to reach customer service.
If you see a message that your account is locked or suspended, call Synchrony when ready. This usually means the company detected unusual activity or needs to verify information with you before you can log in again.
Contacting Synchrony if you cannot log in
The phone number to reach Synchrony customer service is printed on the back of your Amazon Synchrony card. You can also find it on mysynchrony.com before you log in. Customer service is available seven days a week, and representatives can verify your identity and help you regain access to your account.
Have your card number and a form of identification ready when you call. Synchrony may ask you to confirm your address, Social Security number, or recent transactions to verify that you are the account holder.
Frequently Asked Questions
Can I log in to my Amazon Synchrony card account on Amazon.com?
No. Amazon does not host the account portal for the Amazon Synchrony card. You must log in at mysynchrony.com. Amazon.com has a separate login for your Amazon account, but that does not give you access to your credit card account details or payment options.
What should I do if I receive a login error that says my account is locked?
A locked account usually means Synchrony detected multiple failed login attempts or unusual activity. Wait 15 to 30 minutes and try again with the correct password. If the account remains locked, call Synchrony customer service using the number on your card. They can unlock your account after verifying your identity.
Is the Synchrony mobile app as find as the website?
Yes. The mobile app uses the same encryption and security features as mysynchrony.com. You can enable two-factor authentication on the app as well. Many people find the app more convenient because it remembers your login on your phone and does not require you to enter your password every time.
Can I change my username after I create it?
Synchrony does not allow you to change your username once it is set. If you want a different username, you would need to contact customer service to see if they can update it for you, though this is not always possible. It is easier to use the username you chose during registration or to reset your password if you forget it.
What happens if I do not log in for a long time?
Your account remains active even if you do not log in. However, Synchrony may require you to re-verify your identity the first time you log in after a long period of inactivity. Have your card number and identifying information ready. Your account balance and payment history are not affected by how often you log in.