Where to log in to your Synchrony Bank Amazon credit card account

Log into your Synchrony Bank Amazon credit card account at mysynchrony.com, not through Amazon's website. Synchrony Bank is the company that issues the Amazon credit card and manages your account, billing, and payments — Amazon itself does not handle these functions.

Go to mysynchrony.com, select "Log In" at the top of the page, and enter your username and password. If you do not have an online account yet, you will need to create one before you can make payments or view your balance. You can set up an account using your card number and Social Security number.

Once logged in, you can make a one-time payment, set up automatic payments, view your statement, check your credit limit, and update your contact information. The payment you make will be applied to your Synchrony Bank Amazon card account only — it does not affect any other credit cards or accounts you may have.

Key Takeaways

  • Log in at mysynchrony.com using your username and password; this is Synchrony Bank's website, not Amazon's.
  • If you do not have an online account, create one using your card number and the last four digits of your Social Security number.
  • You can make payments, view your balance, set up automatic payments, and manage your account details after logging in.
  • Payments typically post within one to two business days, though the exact timing depends on the payment method you choose.
  • If you forget your password, use the "Forgot Password" link on the login page to reset it using your email address.

Creating a new online account if you do not have one

If you have a Synchrony Bank Amazon credit card but have never logged into mysynchrony.com, you will need to create an account first. Click "Enroll Now" or "Create Account" on the login page and have your card and Social Security number ready.

You will be asked to provide your card number, date of birth, and the last four digits of your Social Security number. Synchrony will verify this information against their records. Once verified, you can create a username and password of your choice. Write down your username and password in a secure place so you do not lose them.

After your account is created, you can log in immediately. It usually takes a few minutes to set up, and there is no waiting period before you can make your first payment.

Making a payment through your online account

After you log in, look for a "Make a Payment" or "Pay Now" button on your account dashboard. Click it and you will see your current balance and the minimum payment due. You can choose to pay the full balance, the minimum, or any amount in between.

Select your payment method: bank account (ACH transfer), debit card, or credit card. If you pay from a bank account, the payment is free. Paying with a debit or credit card may have a fee, which Synchrony will show you before you confirm. Enter the amount you want to pay and the date you want it to post.

Review the payment details and click "Confirm" or "Submit." Synchrony will show you a confirmation number. Save or print this number in case you need to reference the payment later. The payment will post to your account within one to two business days depending on the method you chose.

Setting up automatic payments

If you want your payment to happen on the same date every month without logging in each time, set up automatic payments through your online account. Look for "Autopay," "Automatic Payments," or "Recurring Payments" in the account settings or payment section.

Choose the amount you want to pay automatically — you can select the full statement balance, the minimum payment, or a fixed dollar amount. Pick the date each month when you want the payment to come out of your bank account. Synchrony will deduct the payment on that date every month until you cancel it.

You can change or cancel automatic payments at any time by logging back into your account. If you need to pause a payment for one month, you can usually do that without canceling the entire autopay arrangement.

What to do if you cannot log in

If you forget your password, click "Forgot Password" on the mysynchrony.com login page. Enter your username or the email address associated with your account. Synchrony will send you a link to reset your password. Check your email (including spam or promotions folders) and click the link within the time frame Synchrony provides, usually a few hours.

If you forget your username, you can use your email address to look it up on the same page. If you do not remember the email address you used to create your account, or if you are still having trouble, call Synchrony Bank's customer service number on the back of your credit card. They can verify your identity and help you regain access to your account.

If your account has been locked due to multiple failed login attempts, wait a few hours before trying again. Synchrony locks accounts temporarily as a security measure. If the account remains locked after several hours, contact customer service.

Understanding payment timing and posting

The date you make a payment and the date it posts to your account are not always the same. If you pay from your bank account (ACH), the payment usually posts within one to two business days. Payments made with a debit or credit card may post faster, sometimes the same day, but this varies.

If your payment is due on a specific date and you are cutting it close, make the payment at least two business days early to be safe. Weekends and bank holidays do not count as business days. If you make a payment on a Friday evening, it may not post until Tuesday.

Once your payment posts, your available credit increases and your balance decreases. You can see the updated balance in your online account within a day or two of the payment posting.

Frequently Asked Questions

Can I pay my Synchrony Bank Amazon card through Amazon's website?

No. Amazon does not process payments for the Amazon credit card. You must go to mysynchrony.com to make a payment. If you try to pay through Amazon, you will not reach the payment system and your payment will not go through.

What if I do not have internet access or prefer to pay by phone?

Call the customer service number on the back of your credit card to make a payment over the phone. A representative can take your payment information and process it immediately. Phone payments are free and post within one to two business days.

Is it safe to enter my bank account information on mysynchrony.com?

Synchrony Bank uses encryption and security measures to protect your information. The website is secure for entering your bank details to set up ACH payments. If you are unsure, you can always call customer service to make a payment by phone instead.

What happens if I pay more than my balance?

If you overpay, Synchrony will hold the extra amount as a credit on your account. You can use that credit toward future purchases, or you can request a refund by calling customer service. Synchrony does not charge interest on account credits.

Can I make a payment if my account is past due?

Yes. You can make a payment at any time, even if your account is past due. Log in to your account or call customer service. Making a payment will reduce your balance and may help stop late fees or interest charges from continuing to accrue.