Registering your Synchrony credit card(s) at synchrony.com offers you total control over online account management.

Quickly and easily track account activity, schedule payments, receive e-statements and more — anytime, anywhere, from your computer or mobile device.

You can also take advantage of other great features like access to our convenient MySynchrony mobile app and free Credit Score monitoring.

To register any Synchrony store credit card or Synchrony program card, you will need:

• Full account number: It’s on the front of your card, on the top right corner of your monthly billing statement, and on the paper that your card was attached to when it was mailed
• Last 4 digits of the primary accountholder’s Social Security Number
• Date of birth

Register online now .

Account number is the number on the front of your card, on the top right corner of your monthly billing statement, and on the paper that your card was attached to when it was mailed.

there’s a Sign in button. Select that link to sign in to your account.

Reset your user name here .

Reset your password here .

Reset your Security Questions here .

Contact us by phone at the number on the back of your card. Once you have validated your identity and listened to your account summary say, “Online Assistance” to hear a review of the steps needed to register and sign in to your account.

This section on your statement summarizes your:

• Promotional expiration date
• Promotional balance
• Any deferred or billed interest charges related to these purchases

View the eBill page for enrollment steps and more FAQs. Once enrolled, we’ll email you when your statement is ready to view online each month.

In addition to online payments (single, multiple and Autopay), we accept checks drawn on US financial institutions, money orders, Western Union, Walmart Bill Pay services or electronically submitted payments from your financial institution. Payments may also be made over the phone, but we will charge you a fee to make phone payments. Gift certificates and credit cards are not accepted as a form of payment.

You can make a same-day payment until 11:59 p.m. ET. Just follow these steps:

1. Sign in and then click on the Make Payment button
2. Select the payment amount, date and payment source
3. Click Submit Payment for Review
4. Review your payment and click Submit

Look for a confirmation email from Synchrony Bank.

First sign in. From the Accounts menu, select your account, click Payments, then click History. Use the Payments Quick Link to see the dates and amounts of scheduled, pending and processed payments.

Same-day payments are processed until 11:59 p.m. ET. Follow the steps below to make multiple payments at one time:

1. Sign in then click on the Make Payment button
2. Select the Multiple tab above
3. Fill in the required information
4. Enter up to 12 payments
5. Click Create Payment Schedule

Look for a confirmation email from Synchrony Bank.

You should expect to see the funds withdrawn within approximately 72 hours of the posting date. Refer to your bank or financial institution.

Yes, but each payment must have a unique payment source (bank account). If you are enrolled in Autopay, you may schedule an additional payment for your due date, but from a different payment source. Same-day payments are processed until 11:59 p.m. ET.

Yes, you will get an email from Customer.Servicing@mail.synchronybank.com. We will also send an email confirmation once we have processed the payment.

Yes. Call us to request a due date change. The number is on the back of your card. Or, you can call 877-295-2080 .

24–48 Hours

Verify with your banking institution that the payment has cleared. If it has, contact us at the phone number indicated on your card and/or statement.

Or, you can call 877-295-2080 . Have your payment information ready, including: Payment date, type (check, money order, electronic, etc.), amount, account number and how (address/channel) payment was made (USPS, online, Pay by Phone, In-Store).

If you:
Mailed a check: Check with your bank to see if the check was cashed. If cashed, get a copy of the cancelled check from your bank.
Made an online payment through your bank’s bill payment service: Check with your bank to find out if they sent the payment to Synchrony Bank. If they did, obtain the details from them of where and how it was sent to us, including if the check was mailed or if the payment was sent electronically.
Made an online payment directly to Synchrony Bank at synchrony.com:  Sign in to your account to see if you have any notices that the payment didn’t go through properly. Check to make sure the funds were available and the correct account was used.

Up to 12 payments may be scheduled up to 12 months in advance.

Yes. You can add or delete bank accounts from the Banking Information tab under the Profile menu.

Payments received before 11:59 p.m. ET on any day will be credited as of the same day. Payments received after 11:59 p.m. ET on any day will be credited as of the next day. Payments that post to your account after the payment due date may result in a late payment fee being assessed to your account.

Online scheduled payments that have a Scheduled status may be modified or cancelled. Pending or Processed payments or other non-online payments cannot be modified or cancelled.

No. We are only able to reallocate posted or same-day pending payments (when a deferred interest promotion is involved). Please call the number on the back of your card and/or on your statement for assistance. Or, you can call 877-295-2080.

For Private Label Credit Cards mail to: Synchrony Bank PO Box 71715, Philadelphia PA 19176 - 1715
For Visa/Mastercard credit cards mail to: Synchrony Bank PO Box 71711, Philadelphia PA 19176 - 1711

Pay off the Promotional Balance on or before the promotional expiration date.

No. There is never any penalty for early repayment.

Sign in to your account and click Promotional Purchases. You can also find this information on your billing statement in the Promotional Purchase Summary box.

With Autopay, your payment will automatically be deducted from your bank account each month on your payment due date. The payment will be the amount you select: either the Statement Balance, the Total Minimum Payment Due or a self-selected (other) amount.

With Autopay, set payments will automatically be deducted from your bank account each month on your payment due date. The payment will be the amount you select: either the Statement Balance, the Total Minimum Payment Due or a self-selected (other) amount.

When you select Multiple Payments, there’s more flexibility; you can schedule up to 12 future payments independently, including the date you want the payment to post to your account and the amount. You can also vary the amount, date and payment source for each payment.

1. From the Home Page, select the Autopay-Off link located below the Make Payment button.
2. Click the Enroll in Autopay button
3. Select the payment amount and payment source
4. Agree to the Terms and Confirm Autopay
5. Review your Autopay settings and Submit

You will see a confirmation screen showing your Autopay settings and a confirmation number. We’ll also send you a confirmation email to the email address on file for your account.

No. Autopay is not a payment plan arrangement. It is your responsibility to schedule an amount to be automatically deducted that satisfies the Total Minimum Payment Due and any promotional balance at expiration.

Yes, if applicable on your account. Autopay is simply an automatic way to make a payment. Your payment will deduct on your due date, and once you enroll in Autopay, you should avoid a late fee. You could get a late fee if your bank account has insufficient funds or if you already have an interest charge on your account.

Yes, you will receive an Autopay confirmation number and a confirmation email when you enroll. An email will also be sent when your Autopay payment posts on your Payment Due Date.

No, the deductions will be suspended when your account has a zero balance. Autopay will resume when your account has a balance.

Yes, the deductions will resume if your balance increases after having a zero balance. You may cancel enrollment at any time.

Then your automatic payment will be reduced to the amount of your Current Balance.

Your Autopay enrollment is effective immediately for any upcoming due date. The same time-of-day restrictions apply to Autopay as other scheduled payments. You cannot enroll, modify or cancel Autopay (1) on your due date after 5 p.m. ET, or (2) on or after 5 p.m. ET on Friday, if your due date is Saturday.

At any time, except: (1) on your due date after 5 p.m. ET, or (2) on or after 5 p.m. ET on Friday, if your due date is Saturday. Your new Autopay amount will be finalized (based on your current balance and your Autopay settings) at 5 p.m. ET on your payment due date. Autopay payments that have a Pending or Processed status cannot be modified or cancelled.

Autopay will be cancelled immediately unless you cancel after 5 p.m. ET on your due date. Then, it will become effective the next day.

The system will automatically adjust the payment to the Total Minimum Payment Due, if no other payments are received by the due date.

Yes. If the Total Minimum Payment Due is greater than the selected Autopay amount, then the amount of the Total Minimum Payment Due will be deducted from your bank account. (Total Minimum Payment Due includes the past due amount and current due amount.)

If you have insufficient funds in your bank account, the payment will be rejected for insufficient funds and will not be processed.

Yes. Any additional payments (or credits) processed on your account may reduce the Automatic Payment that is scheduled.

Alerts are one-way communications via email or text message about your account. Sign in now and set up alerts to stay on top of your account and to track your daily spending.

Depending on which alerts you choose, you will receive them on a selected date, when a particular activity happens or when certain criteria are met.

Some alerts could be sent multiple times in a billing period since they’re tied to transactions on your account. Others will be sent just once a month.

After you sign in, go to the Profile menu, select Alerts, then customize the alerts to your needs.

Sign in, go to the Profile menu, go to Personal Information and update the email address.

The mobile phone number on your account will be the phone number used for alerts. To change it, sign in, go to the Profile menu, go to Personal Information and update the phone number.

Some alerts are dependent on overnight updates to our system and are sent out the following morning. Occasional system maintenance can also affect the timeliness of alerts.

Sign in, go to the Profile menu and choose Alerts to unenroll.

It’s a simple, fast, secure way to make same-day Synchrony credit card payments online without signing in. You can use it on any connected device, including your smartphone, tablet, laptop or desktop. View the Pay Without Sign In page to learn more.

Wherever you’re heading and whatever you’re working forward to, you can count on the MySynchrony Mobile App to help you stay on top of the Synchrony credit card accounts you manage at synchrony.com—without skipping a beat. Put the power of online account management in the palm of your hand today! Visit the MySynchrony Mobile App page for more information and full FAQs.

It’s a top credit scoring model used by many lenders when they consider whether to approve applications and decide what rates and terms to offer. View the Your Credit Score page to learn more.

With an Equal Payment Promotion, no interest will be charged on the promotional purchase and the same equal payments are required monthly. This monthly payment amount is determined by dividing the purchase price by the number of months in the promotional period. All payments must be made on monthly due date to avoid late fees.

With a Deferred Interest Promotion, a minimum monthly payment is required, and varies based on your balance and account terms. No interest will be charged on the promotional purchase if you pay the purchase amount in full within the applicable promotional period.

Interest will still accrue at the standard rate for your account. But it is only assessed if you don’t pay the purchase balance within the promotional period. If you only make the minimum payments, you may not pay off your purchase by the end of the promo period. To avoid accrued interest, you must pay in full before the end of the promotional period.

With a Fixed Pay Promotion, a reduced APR is charged on the promotional purchase from the purchase date, and the same fixed payment amount is required monthly.

Interest is assessed on the promotional purchase at the reduced APR, and equal payments are required until the promotion is paid in full. Example: 7.9% APR for 24 months until paid in full.

We calculate the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases and balances subject to different interest rates, plans or special promotions. See below for more details on how this works.

1. How to get the daily balance:
   We take the starting balance each day, add any new charges and fees, and subtract any payments or credits. This gives us the daily balance. Debt cancellation fees, if any, and late payment fees are treated as new purchases.
2. How to get the daily interest amount:
   We multiply each daily balance by the daily rate that applies.
3. How to get the starting balance for the next day:
   We add the daily interest amount in step 2 to the daily balance from step 1.
4. How to get the interest charge for the billing cycle:
   We add all the daily interest amounts that were charged during the billing cycle.

We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. Interest, as calculated above, is added as applicable to each balance type. Minimum interest charges in excess of the calculated interest are treated as a new purchase.

Your payment is due by the Payment Due Date indicated on your monthly billing statement. To avoid late payment fees, pay at least the Total Minimum Payment Due given on your statement.

When making your payment by mail, use the provided payment coupon and allow 7-10 business days for your payment to post.

A late fee is charged to your account if the Total Minimum Monthly Payment shown on your billing statement is not received by the due date shown on the statement. A late payment fee is charged if you pay less than the minimum required or the payment was not received by the payment due date. If payment is submitted online, it may take 48 hours to post to your account. If mailing your payment, please be sure to allow 7-10 business days for your payment to be received and posted to your account.

If you have a Deferred Interest/No Interest If Paid In Full promotional purchase balance:
Pay the entire applicable Promotional Balance by the Promotional Expiration Date.

Note: Deferred interest charges will be shown on each statement, but will not be billed to your account unless your promotional balance is not paid in full on or before the promotional expiration date. If you do not pay your balance in full by the end of the promotional period, interest that has accrued from the purchase date will be charged to the account.

For Non-promotional balances:
Pay all non-promotional balance(s) in full each month by your Payment Due Date each month to avoid paying interest.

If your purchase qualified for a Deferred Interest promotion, interest is charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period.

Synchrony Bank sends monthly statements to you which show the Deferred Interest Charge, and the Promotional Expiration Date. Be sure to make at least the minimum payment each month, and plan to pay your balance in full by the end of the promotional period to avoid having the accrued interest charged to your account.

Check your statements to ensure that you’re on track to pay off your balance before the promotional expiration date. For more information, watch this informative video about Deferred Interest promotional financing.

Synchrony Bank currently offers award-winning savings products with consistently great rates. Go to SynchronyBank.com and start saving today.

Go to SynchronyBank.com and sign in for your online banking needs. You can also download the Synchrony Bank mobile app .

If you received your card with a sticker on the front of it, you will need to call the number listed on the sticker to verify your information and activate your account.

Please call our automated phone system to report your card lost or stolen. It’s available 24 hours a day. Call 877-295-2080 . For your protection, we will close your account and will issue you a new account number. Please review your account activity. If you find any purchases you did not make, report these to Customer Service.

You can close your account at any time. Bear in mind, your Synchrony Bank credit card account gives you benefits like promotional financing, online payments and world-class service.

However, if you still prefer to close your account, please contact Customer Service. The number is on the back of your card. Or, you can call 877-295-2080 .

No, you need to contact Customer Service to close your credit account. Call the number on the back of your card or, you can call 877-295-2080 .

We must have at least one phone number associated with each account. You can change or remove additional phone numbers as long as one remains on the account.

After signing in to your account, click the View Activity button.

Immediately contact Synchrony Bank’s Fraud Department at 1-866-834-3205 .

Report identity theft to the Federal Trade Commission:
Federal Trade Commission website
1-877-ID-THEFT (438-4338)

Notify the three major credit bureaus:

Equifax
Report Fraud: 1-800-525-6285
Credit Report: 1-800-685-1111
www.equifax.com

Experian
Report Fraud: 1-888-397-3742
Credit Report: 1-888-397-3742
www.experian.com

TransUnion
Report Fraud: 1-800-680-7289
Credit Report: 1-800-888-4213
www.transunion.com

Yes, you can change your Password by clicking Security from the Profile menu after you sign in. We recommend that you change your password regularly.

Yes. Click Security from the Profile menu after you sign in.

Yes. Click Security from the Profile menu after you sign in.

Use our automated phone system, call the Customer Service phone number on the back of your card or call 877-295-2080 .

Telephone access for Store Credit Cards: Daily 8:00 a.m. — 12 midnight Eastern Time.

Telephone access for Visa/Mastercard Credit Cards: Daily — 24 hours a day.

We use advanced encryption techniques, including Secure Socket Layer (SSL) technology, to protect the information you provide to us over the internet. You can tell that the session is secure when you see a locked padlock displayed at the top or bottom of most browser windows.

In addition, before displaying any account information online, we verify your identity using your Sign in or Registration information.

We may ask security verification questions if our system does not recognize your device (e.g., phone, computer). If you select Remember Me after correctly answering the security question, you are requesting that we capture your device information and that we do not ask you security questions when accessing your account from that device. We suggest that you only select the Remember Me option when you are using your own computer, tablet, or phone.

Access to your online account may be down periodically when we perform maintenance, but that is generally done between 3:30 a.m. and 5:30 a.m. ET.

Every browser is different. Here are the steps to follow for some of the most commonly used browsers:

• Google Chrome
• Mozilla/Firefox
• Internet Explorer
• Microsoft Edge
• Safari

• Keep all your personal information in a secure place.
• Keep your Social Security Number confidential.
• Shred old financial documents.
• Never give out personal information unless you know who you’re dealing with.
• Choose complex passwords and change passwords regularly.
• Watch out for fraudulent emails and websites masquerading as legitimate businesses.
• Be careful what you download online. Free programs may contain spyware and adware.
• Do not answer chain emails.
• Monitor your credit reports.
• Back up critical data.
• Consider investing in PC security software.

You may call us, but telephoning about billing errors will not preserve your rights under federal law. To preserve your rights, please write us at:

Please include:

• Your name and account number
• Dollar amount of the suspected error
• Description of problem: describe what you believe is wrong and why you believe it is a mistake

For comprehensive information of consumer credit card rights, review Consumer Information: Disputing Credit Card Charges on the FTC site.

It may take up to 60 days to investigate and resolve your dispute.

To assist during this difficult time, Synchrony offers an online deceased notification form option to provide the Bank with the notification of the passing of the cardholder. The account record will be updated upon receipt of your submission. We may reach back out to the Representative of the cardholder if there are any other additional questions.

• 6 months promotional financing on purchases of $199 ⁺ or more every day
• Gas whenever you need it, wherever you are, with acceptance at over 200,000 gas stations nationwide across all major gas brands ^**
• No annual fee ¹
• Safe and Secure with $0 fraud liability
• Ability to request a credit limit increase ²
• Exclusive cardholder discounts
• Convenient monthly payments
• 24/7 secure online account access
• Customizable account alerts

*,**Subject to credit approval

^** Minimum monthly payments required. See merchant or synchrony.com/carcare for promotional financing details and merchant locations. Gas station purchases are not eligible for promotional financing.

⁺ Valid everywhere Synchrony Car Care™ is accepted in the U.S., including Puerto Rico. Visit synchrony.com/carcare to find a location.

¹ New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. Existing cardholders: See your credit card agreement terms.

² Cardholders may be required to provide their annual net income if their recent information is not on file. Cardholder income will be used as a factor to determine eligibility for a credit limit increase.

The Synchrony Car Care credit card is accepted at more than 500,000 auto parts and service business and over 200,000 gas stations nationwide. A complete list of participating retailers and gas locations can be found online here .

Simply pay as you normally would—swipe or insert your card at checkout. Promotional financing will automatically be applied to eligible purchases.

It works the same when shopping online. Just enter your Synchrony Car Care credit card account number on the payment form at eligible online retailers.

You can always make more than your minimum monthly payment and pay off your item(s) earlier than the promotional financing end date.

The Promotional Summary Box on your monthly statement will clearly show the balance for each promotional financing purchase and corresponding expiration date. You can always choose to pay off your promotional balance earlier as well.

Note: Deferred interest charges will be shown on each statement but will not be billed to your account unless your promotional balance is not paid in full on or before the promotional expiration date.

You can schedule up to 12 future payments, including the date you want the payment to post to your account and the amount. You can also vary the amount, date and payment source for each payment.

Synchrony Bank sends monthly statements to you which provide Promotional Purchase Summary Information, the Accrued Deferred Interest, and the Promotional Expiration Date. To avoid interest charges on any promotion, the promotional balance must be paid in full by the expiration date. Check your statements to ensure that your payments were received before the promotional expiration date.

To change your email address, address, phone number, other personal information on your account, please visit www.synchrony.com .

If you need to change the name on the account, please call us at 866-657-0376 Monday through Friday from 8am — 12 midnight (ET).

Have a question about or want to check the status of a Rebate? Visit SynchronyCarCare.myrebatemanager.com or call 1-855-333-2820 ; Discount Tire cardholders can visit dt.rebatepromotions.com or call 1-866-892-8078 ; America’s Tire cardholders can visit at.rebatepromotions.com or call 1-866-892-8078 .

Note: Rebates cannot be used as a payment method on a Synchrony Car Care account. Rebate Center Hours: M–F 9AM – 9PM EST

The Synchrony HOME Credit Card is a single card dedicated exclusively to your home-related purchases. You can use your card at Synchrony HOME partner locations. We have partners in home categories including flooring, electronics & appliances, furniture & mattresses, patio and more. With the Synchrony HOME credit card you can enjoy these benefits:

• Acceptance at 16,000+ Synchrony HOME partner locations nationwide: The Synchrony HOME Credit Card can be used at partner locations nationwide. Find locations near you with the Synchrony HOME store locator .
• At select Synchrony HOME partner locations, you can take advantage of longer-term promotional financing ranging from 12 -60 months on qualifying purchases.  Click here to learn more .
• Everyday promotional financing is available on qualifying purchases anywhere the card is accepted. Get 6 months on purchases of $299 - $1998.99 or 12 months on purchases of $1,999 or more. ²

Learn more about the Synchrony HOME Credit Card program .

¹ Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See store for details.

² No Interest If Paid In Full Within 6 or 12 months on qualifying purchases with your Synchrony HOME Credit Card. 6 months on purchases of $299 – $1,998.99 or 12 months on purchases of $1,999 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

³ New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. Existing cardholders: See your credit card agreement terms.

⁴ Cardholders may be required to provide their annual net income if their recent information is not on file. Cardholder income will be used as a factor to determine eligibility for a credit limit increase.

⁵ Data fees may apply.

Yes*. Visit Synchrony.com. Once you register, simply sign in anytime to take control of all your account servicing needs, including credit line increase request.

*Cardholders may be required to provide their annual net income if their recent information is not on file. Cardholder income will be used as a factor to determine eligibility for a credit limit increase.

There is no annual fee^ and it’s safe and secure with $0 fraud liability.

^New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. Existing cardholders: See your credit card agreement terms.

The Synchrony HOME Credit Card offers Pay Without Sign In. View the Pay Without Sign In page to learn more .

Yes. Your Synchrony HOME Credit Card contains an expiration date. Accounts in good standing will be reissued a new card prior to its expiration date. If your account is kept active and in good standing, you will not need to reapply for the Synchrony HOME Credit Card. If your account is closed for any reason, you will need to reapply for the Synchrony HOME Credit Card. If you have any questions, you may call 1-844-335-5909 to speak to a customer service representative.

Chat is an online communication service provided to cardholders who prefer to chat with a Synchrony agent instead of contacting us by phone, email or regular mail. On a desktop computer, click the Chat icon located on the sign in screen for assistance with accessing your account. If you’re already signed in, you can open a chat window by clicking the Chat icon located in the upper-right corner of the browser. On a mobile device, click on the chat icon from the sign in screen or the floating chat icon on the right-side of the device display if you’re signed in. Chat can also be used for pre-sign in assistance; however, answers about specific account questions can only be provided if you’re signed into your account.

Chat is available 24x7 on both desktop computers and mobile devices. On a desktop computer, click the Chat icon located on the sign in screen for assistance with accessing your account. If you’re already signed in, you can open a chat window by clicking the Chat icon located in the upper-right corner of the browser. On a mobile device, click on the chat icon from the sign in screen or the floating chat icon on the right-side of the device display if you’re already signed in. Chat can also be used for pre-sign in assistance; however, answers about specific account questions can only be provided if you’re signed into your account.

The Chat icon is available 24x7 for assistance with signing into your account or post-sign in account specific questions. After signing into your account, there may be circumstances in which you may not be able to see the icon on the upper-right corner of the browser window. If you need assistance when Chat is unavailable, please go to the Contact Us section and call the customer service number listed or call the phone number on the back of your card.

Yes. When starting a Chat session, you’re immediately connected with Sydney, Synchrony’s intelligent virtual agent. Sydney can provide sign in assistance; as well as answer many of your account inquiries after successfully signing into your online account.

If our virtual agent is unable to answer your question(s), you will be automatically transferred to a live Chat agent for further assistance.

Yes. Our Chat Agents are part of our Customer Service team. They have access to the same tools and resources as our phone agents and are here to answer all your account questions.

Synchrony Pay Later provides simple and flexible payment options that allow you to buy now and pay later for the things you want.

• Consumers- Learn more about Pay Later here .
• Business owners- Learn more about offering Pay Later to customers here .

Please reach out to your merchant/retailer for details about whether your card is accepted in-store, online, or both. Certain merchants/retailers may not accept your card online.