Where to log in to your Target credit card account
You log in to your Target credit card account through Synchrony Financial, the bank that issues the card on Target's behalf. You do not log in through Target.com or the Target app — those are separate accounts. Synchrony handles all billing, payments, and account management for the Target RedCard Credit Card and the Target Credit Card.
Go to mysynchrony.com to reach the login page. You can also call the customer service number on the back of your physical card, which will route you to Synchrony's phone system. The website is faster if you have your username and password ready.
If you have never logged in before, you will need to set up your online account first. You can do this on the same mysynchrony.com homepage by selecting the option to register or create an account. You will need your card number, Social Security number, and date of birth to verify your identity during setup.
Key Takeaways
- Your Target credit card account lives on mysynchrony.com, not on Target.com, because Synchrony Financial is the card issuer.
- You need to create an online account before you can log in, using your card number and personal information to verify your identity.
- Once logged in, you can make a one-time payment, set up automatic payments, or view your statement and transaction history.
- If you forget your password, use the "Forgot Username or Password" link on the login page to reset it by email or phone.
Setting up your account for the first time
When you first receive your Target credit card, you have a grace period before you must set up online access, but doing it right away prevents missed payments. Go to mysynchrony.com and select "Register" or "Enroll Now." You will be asked to enter your card number, last name, and date of birth.
Synchrony will then ask you to verify your identity. This usually means answering security questions based on your credit history — questions like "Which address did you live at in 2019?" or "Which lender issued your auto loan?" Answer as accurately as you can. If you cannot answer enough questions correctly, you may need to call Synchrony at the number on your card to verify by phone instead.
After verification, you will create a username and password. Your username can be your email address or a custom name you choose. Your password must meet Synchrony's requirements, which typically include at least one uppercase letter, one number, and one special character. Write these down or store them in a password manager — you will need them every time you log in.
Making a payment after you log in
Once you are logged in to your Synchrony account, the dashboard shows your current balance, credit limit, and due date. To make a payment, look for a button labeled "Make a Payment" or "Pay Now." Click it to enter the payment amount and choose your payment method.
Synchrony accepts payments from a bank account (via ACH transfer) or a debit card. Bank account payments are free and usually post within one to two business days. Debit card payments may carry a fee — Synchrony charges a flat fee or a percentage of the payment amount depending on the payment method you choose. The system will show you the fee before you confirm, so you can decide whether to proceed.
You can also set up automatic payments so you do not have to log in each month. Choose "Autopay" or "Automatic Payments" from the account menu, select the amount (minimum payment, statement balance, or a fixed amount you choose), and pick the date each month when the payment should come out. Automatic payments reduce the risk of late fees, though you should still check your account occasionally to make sure the payment went through.
Resetting your password if you are locked out
If you forget your username or password, click "Forgot Username or Password?" on the mysynchrony.com login page. Synchrony will ask you to enter your card number and last name, then offer to send a reset link to your email address or verify your identity by phone.
If you choose email, check your inbox (and spam folder) for a message from Synchrony. The email will contain a link that lets you create a new password. This link usually expires after a few hours, so act quickly. If you do not receive the email, call the number on the back of your card and ask Synchrony to send it again or reset your password over the phone.
If you choose phone verification, Synchrony will ask you security questions or send a one-time code to your phone number on file. Once you answer correctly or enter the code, you can set a new password immediately.
What to do if you cannot log in at all
If you have tried resetting your password and still cannot access your account, or if you see an error message that says your account is locked, call Synchrony's customer service line at the number on your physical card. Have your card number and Social Security number ready. A representative can unlock your account, verify your identity over the phone, and help you regain access.
If you do not have your card number handy, you can still call — Synchrony can look up your account using your Social Security number and date of birth. This call usually takes 10 to 15 minutes. If you are calling outside business hours, you can leave a callback request and a representative will contact you the next business day.
Viewing your statement and transaction history
After you log in, your account dashboard displays recent transactions and your current statement. To see a full month-by-month breakdown, look for "Statements" or "View Statements" in the account menu. Synchrony keeps statements available for several years, so you can download or print any past statement you need for your records.
Each transaction shows the merchant name, the date, and the amount charged. If you see a charge you do not recognize, you can dispute it directly through your online account or by calling Synchrony. The company has a process for investigating unauthorized charges, and you are protected under federal law from liability for fraudulent transactions if you report them promptly.
Frequently Asked Questions
Is mysynchrony.com the same as Target.com?
No. Synchrony Financial is the bank that issues your Target credit card, so your account and payments are managed on mysynchrony.com. Target.com is a separate website for shopping and managing your Target Circle membership. You cannot pay your credit card bill through Target.com.
Can I pay my Target credit card bill by phone?
Yes. Call the number on the back of your card to reach Synchrony's automated payment system or speak to a representative. Phone payments are free and usually post within one to two business days, the same as online payments.
What happens if I miss a payment?
If your payment is late, Synchrony will charge a late fee (the amount varies by your account terms) and report the late payment to credit bureaus, which can lower your credit score. If you are more than 30 days late, your interest rate may increase. Contact Synchrony immediately if you know you will miss a due date — they may be able to work out a payment plan.
Can I change my payment due date?
Yes. Log in to mysynchrony.com, go to your account settings or billing preferences, and look for an option to change your due date. Synchrony typically allows you to move your due date by a few days. Call customer service if you need a larger change or have questions about how it affects your billing cycle.
Is it safe to pay my bill on mysynchrony.com?
Synchrony uses encryption and security measures to protect your account information. However, make sure you are on the real mysynchrony.com website (check the URL in your browser) and never share your username or password with anyone. If you receive an email asking you to log in and verify your account, do not click the link — go directly to mysynchrony.com instead.