Synchrony Bank is one of the largest issuers of store credit cards in the United States, offering cards affiliated with big-name brands such as Old Navy, Gap and Sam’s Club. The company also provides other financing offers and deposit accounts from its headquarters in Draper, Utah. You can learn more about Synchrony Bank below.
- 3.4/5 average rating among users on WalletHub
- A+ BBB rating
- Offers credit cards, financing solutions, savings accounts, money market accounts and certificates of deposit (CDs)
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Synchrony Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 03/27/2023.
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The saving grace of thelis card is that it is Amazon. Being that all the Amazon features work flawlessly and using the Cashback on the Amazon app is simple.
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Synchrony Bank Q&A(1286 questions)
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How do I make an Amazon Store Card payment?
The easiest way you can pay your Amazon.com Store Card is either by logging in to your online account or by calling (866) 634-8379. Alternatively, you can pay your Amazon.com Store Card by mail.
Here's how to make an Amazon.com Store Card payment:
Log in to your online account to schedule a payment. You can make a payment any day during the billing period up to the due date.
From the Payments tab, scroll and click “Make a Payment.” Select the payment amount and include your bank's routing number and account information. Verify your payment information and click “Make a Payment.”
Alternately, you can skip login or registration and pay as a guest.
- Over the phone:
Call customer service 24/7 at (866) 634-8379. When prompted, press “1” and enter your account number, or your Social Security number (SSN). Follow the voice prompts to make a payment or speak to a customer service representative.
There's no charge to pay by phone, if you use the automated system, unless you ask for an expedited payment.
- Via mail:
Lastly, you can send a copy of your Amazon.com Store Card monthly statement and a check or money order made out to:
Synchrony / Amazon
P.O. Box 960013
Orlando, FL 32896
Make sure to include your account number on your payment. Synchrony Bank only accepts payments drawn from a U.S. bank account and does not allow cash payments.
Synchrony Bank offers a 23-day grace period from the close of the billing period until the payment due date. If you make your Amazon.com Store Card payment in full during this timeframe each month, you'll avoid paying interest charges.
Here's how to set Amazon.com Store Card automatic payments:
You also have the option to set up your account for recurring payments online. After logging in, enter your bank account information and select your desired payment amount. Choose from the minimum payment due, statement balance, current balance or other amount. Synchrony will debit your account for the designated amount on the scheduled payment date each month.
It's important to note that these payment instructions are specific to the Amazon.com Store Card, which is issued by Synchrony Bank. The Amazon.com Credit Card is a separate credit card account issued by Chase Bank and its payment methods are different.
How can I pay my Lowe's Credit Card?
The easiest way you can pay your Lowe's Store Card is either online or over the phone at (800) 444-1408. Alternatively, you can pay your credit card bill in store or by mail.
Here's how you can pay your Lowe's Store Card:
- Online: You can pay your Lowe's Store Card online, either by signing into your account or paying as a guest. You can even set up AutoPay to have your bill paid automatically each month.
- Over the phone: If you want to pay by phone, call (800) 444-1408 and follow the prompts.
- In store: You can also make a Lowe's Store Card payment in any Lowe's store location, at the customer service desk.
- Via mail: Lastly, you can also pay your bill by sending it via mail. The address is:
P.O. Box 530914
Atlanta, GA 30353-0914
For the Lowe's Visa Rewards use:
P.O. Box 960010
Orlando, FL 32896-0010
You should note that paying your credit card bill by mail takes the longest. Make sure to send it at least 7 days before the due date, so that it won't be late. Write your name and credit card number on the check, too.
How can I pay my TJX Credit Card?
The easiest way to pay your TJX Credit Card is online. Alternatively, you can make a payment over the phone at (800) 952-6133 or via mail. You cannot pay your credit card bill at a T.J.Maxx store. It's also worth noting that the same payment methods apply to the TJX Store Card, too.
How to Pay Your TJX Credit Card
- Online: Log in to your online account, go to the “Summary” tab, and click on the “Make Payment” button. From there, you'll be able to confirm your payment information and send your payment.
- Over the phone: You can also pay your bill over the phone through the automated system by calling (800) 952-6133.
- Via mail: If you would rather mail in a payment, send your TJX Credit Card payment to:
P.O. Box 530949
Atlanta, GA 30353-0949
If you choose to pay your TJX Credit Card via mail, make sure to send your payment early enough that it will arrive by the due date. Write your credit card number on the check, too.
How can I pay my Toys R Us credit card?
The easiest way to pay your Toys R Us Credit Card is online. After you've logged in, click "Payments" and then "Make a Payment." Select the payment amount, date, and your preferred checking account to pay from. After reviewing your payment, click "Submit."
Your second option is to call (844) 406-7427 and make a payment over the phone. Make sure you have your checking account number and routing number handy before calling.
Ultimately, the third option is to mail a check and the payment coupon from your statement to Mastercard, P.O. Box 530939, Atlanta, GA 30353-0939.
How do I make a payment to Synchrony Bank?
You can make a Synchrony Bank credit card payment online, over the phone, through the MySynchrony mobile app, by mail, or at Western Union. Synchrony accepts electronic transfers from a linked bank account, checks, money orders, or cash, depending on how you send your payment.
How to Make a Synchrony Credit Card Payment Online
- Log in to your credit card's online account from the Synchrony website.
- Click “Make a Payment.”
- Select the payment amount, the date you want the payment to be made, and your preferred payment account.
- Click “Submit Payment for Review.”
- After reviewing your payment, click "Submit."
Other Ways to Make a Synchrony Payment
Synchrony offers a “Pay Without Log In” feature that allows you to make same-day credit card payments online without logging in to your account.
You can also mail in a Synchrony credit card payment. For store credit cards (also called “private label” cards), send a check or money order to:
P.O. Box 960061,
P.O. Box 960013,
To pay your Synchrony Bank credit card bill over the phone, call the number on the back of your credit card, or find your card's customer service phone number on the Synchrony website. Make sure to have your credit card handy to verify your account information. Also be aware that Synchrony may charge a fee to pay by phone, and the fee amount may vary from card to card.
Once you've made a payment – or in the case of mailed payments, once Synchrony receives it – it will post to your account within 48 hours.