How do I make a payment to Synchrony Bank? (2024)

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You have several options to make a payment on your Synchrony Bank credit card:

  1. Online: You can pay online through the Synchrony Bank website.
  2. Over the Phone: Call Synchrony Bank’s customer service to make a payment over the phone.
  3. MySynchrony Mobile App: You can use the MySynchrony mobile app to make payments from your mobile device.
  4. By Mail: Send a check, money order, or cash through traditional mail to Synchrony Bank.
  5. Western Union: Pay your Synchrony Bank credit card bill at a Western Union location.

The specific payment methods accepted (electronic transfers, checks, money orders, or cash) may vary depending on the payment option you choose.

How to make a Synchrony Credit Card payment online

To make a Synchrony credit card payment online, follow these steps:

  1. Log in to your credit card’s online account on the Synchrony website.
  2. Click “Make a Payment.”
  3. Choose the payment amount, the date you want to make the payment, and your preferred payment account.
  4. Click “Submit Payment for Review.”
  5. Review your payment details, and if everything looks correct, click “Submit.”

That’s it! Your payment will be processed as per your instructions.

More ways to make a Synchrony payment

To make a payment on your Synchrony credit card without logging in, you can use the “Pay Without Log In” feature on their website, allowing for same-day online payments.

Alternatively, you can send a payment by mail.

For store credit cards (referred to as “private label” cards), send a check or money order to:
Synchrony Bank,
P.O. Box 960061,
Orlando, FL 32896.

For Visa cards and Mastercards, send your payment to:
Synchrony Bank,
P.O. Box 960013,
Orlando, FL 32896.

If you prefer to pay over the phone, you can locate the customer service number on the back of your credit card or on the Synchrony website. Have your credit card ready to confirm your account information. Keep in mind that there may be a fee for paying by phone, and this fee can vary depending on your specific card.

Once you’ve made a payment online or through the mail, it typically takes up to 48 hours for the payment to be processed and reflected in your account balance.

What payment methods does Synchrony accept?

Synchrony accepts various payment methods, including electronic transfers from a linked bank account, checks, money orders, or cash, depending on how you choose to make your payment.

How do I pay Synchrony Bank by phone?

To pay Synchrony Bank by phone, follow these steps:

  1. Call 877-295-2080.
  2. Make sure you have the following payment information ready:
  • Payment date
  • Payment type (check, money order, electronic, etc.)
  • Payment amount
  • Your account number
  • How the payment was made (USPS, online, Pay by Phone, In-Store)
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Once you have all this information ready, you can provide it over the phone to complete your payment.

How long does Synchrony take to process payment?

Synchrony takes one day to process payments. If you make a payment before 11:59 p.m. Eastern Time on any day, it will be credited to your account on the same day. Payments made after 11:59 p.m.

Eastern Time will be credited on the following day. However, please be aware that if your payment is received after the due date, it may result in a late payment fee on your account.

Does Synchrony Bank accept mobile deposits?

Yes, Synchrony Bank offers mobile deposit services that allow you to deposit checks using your mobile device. You can use this service 24/7, except during maintenance or system outages when it may not be available. However, the bank is not responsible for any issues or damages that may occur due to the unavailability of the Mobile Deposit Service.

Does Synchrony Bank accept balance transfers?

Synchrony Bank does not typically allow balance transfers between its own credit cards. In fact, most Synchrony Bank credit cards do not support balance transfers at all. If a balance transfer option is available, it usually only permits transferring balances from a Synchrony credit card to a credit card issued by another company, not between Synchrony Bank cards.

How do I access my Synchrony account?

You can log in to your Synchrony account from your computer by following these straightforward steps:

  1. Visit
  2. Click on the “Sign In” button located at the top right corner of the screen.
  3. Choose the option to sign in to your Synchrony savings account.
  4. Provide your username and password.
  5. Click the “Sign In” button to access your account.

That’s it! You’ll now be logged into your Synchrony account.

What is the minimum payment for Synchrony Bank?

The minimum payment for the Synchrony Premier Card is determined as follows: It’s either $29 or 1% of your statement balance, plus any fees, past-due amounts, and interest, whichever of these two amounts is higher. If your statement balance is less than $29, then your minimum payment will be equal to your balance.

What is the payment address for Synchrony Bank Credit Card?

The payment address for Synchrony Bank credit cards depends on the type of card you have:

  1. For store cards, use this address:
    Synchrony Bank
    P.O. Box 960061
    Orlando, FL 32896-0061
  2. If you have a Visa or Mastercard from Synchrony Bank, use this address:
    Synchrony Bank
    P.O. Box 960013
    Orlando, FL 32896-0013

Remember, it’s best to send your payment at least 5-7 days before your due date if you’re using mail. Alternatively, you can pay online through your banking account, call the number on the back of your card, or find the customer service number on the Synchrony Bank website for quicker payment options.