How to activate your Synchrony Store and co-brand Credit Cards
Activate your Synchrony store and co-brand credit cards online or by phone — what you need, step-by-step instructions and fixes if activation fails.
Quick answer: Activate your Synchrony Store and co-brand Credit Cards online at synchrony.com, in the MySynchrony app or by phone using the number on the card sticker. Have ready: Account number; Last 4 digits of your SSN. Use only synchrony.com or the official app, never a link sent by text or email.
What you need
- Account number
- Last 4 digits of your SSN
- Date of birth (for registration)
Activate your Synchrony Store and co-brand Credit Cards online
- Scan the QR code in your card welcome package, or go to synchrony.com/activate
- Enter your card or account details
- Verify your identity
- Activate the card
- Register for online access so you can pay and view statements
Activate by phone
Call the activation number printed on the sticker on the front of your new card (or the customer-service number on the back) and follow the automated prompts. You will usually be asked for the card number and a piece of identity information such as the last four digits of your Social Security number or your ZIP code.
After you activate
- Register the account online or in the MySynchrony app
- Set up autopay
- Retail cards have their own sign-in pages, so bookmark the one for your store
If your Synchrony Bank card won't activate
- Store card not recognised on the main site: use your retailer's Synchrony login page
- Unsure which number to call: use the number on the back of your card
Synchrony Store and co-brand Credit Cards activation FAQs
How do I activate my Synchrony Store and co-brand Credit Cards?
You can activate it online at synchrony.com, by phone. Online or in-app activation is usually fastest: sign in, choose the new card, and confirm the details requested.
Is there a phone number to activate a Synchrony Bank card?
Use the activation number printed on the sticker on the front of your new card, or the number on the back of the card. Only call numbers shown on the card itself or on synchrony.com — scammers publish look-alike numbers.
Can I use my Synchrony Bank card before activating it?
Generally no. A new card is blocked until it is activated, although some issuers activate a replacement automatically the first time you use it with your PIN, and some let you use a virtual card number in the app straight away.
Does activating a Synchrony Store and co-brand Credit Cards affect my credit score?
No. Activation is not a credit check. Any hard inquiry happened when you applied; activating simply switches the card on. Not activating a new account does not close it, so it can still appear on your credit report.
Why won't my Synchrony Bank card activate?
Store card not recognised on the main site: use your retailer's Synchrony login page Unsure which number to call: use the number on the back of your card
Is it safe to activate my card online?
Yes, provided you are on the issuer's real website (synchrony.com) or official app. Type the address yourself rather than following links in texts or emails. Your bank will never ask for your full PIN or a one-time passcode by phone or text.
Synchrony Bank cards we review
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
SynchronySam's Club Mastercard 5596 3921 3882 2890 VALID THRU 09/32JORDAN TAYLOR Sam's Club MastercardSam's Club Plus members with high monthly fuel spend |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and tak… | None | None | Good (690+) | |
SynchronyPayPal Cashback Mastercard 5450 0039 5651 9501 VALID THRU 04/31AVERY PATEL PayPal Cashback MastercardShoppers who default to PayPal at online checkout |
None | 3% cash back on purchases made through PayPal, 1.5% cash back on all o… | None | None | Good (690+) | |
Lowe's / SynchronyLowe's Advantage 4974 8658 3237 4024 VALID THRU 07/31RILEY CHEN Lowe's Advantage CardHomeowners financing or discounting larger Lowe's projects |
None | 5% off eligible in-store & online purchases, or special financing on b… | Promotional financing on qualifying purchases | N/A | Fair to Good (640+) | |
SynchronyGap Good Rewards Visa 4708 8453 6489 7256 VALID THRU 02/29ALEX MORGAN Gap Good Rewards Visa Credit CardHouseholds that regularly shop the Gap brand family |
None | 5 points per $1 at Gap, Old Navy, Banana Republic and Athleta, and 1 p… | None | None | Fair to Good (640+) |
Sources: www.synchrony.com · www.synchrony.com. Steps change; if your screen looks different, follow the official instructions.