Where to log in and pay your Target RedCard bill
You log in to pay your Target RedCard bill through Synchrony Bank's website, not through Target.com. Synchrony is the bank that issues and manages the card on Target's behalf. Go to mysynchrony.com, enter your username and password, and you'll see your account balance and payment options.
If you don't have a Synchrony login yet, you'll need to set one up before you can pay online. You can create an account on the same mysynchrony.com homepage using your card number and other identifying information. This takes a few minutes and you only have to do it once.
You can also call Synchrony's customer service line at the number on the back of your RedCard to make a payment by phone, or set up automatic payments so the bill is paid on a schedule you choose.
Key Takeaways
- Log in at mysynchrony.com using your Synchrony username and password, not your Target account.
- If you're logging in for the first time, create a Synchrony account using your RedCard number and personal information.
- You can pay the full balance, the minimum payment, or any amount in between once you're logged in.
- Payments made online typically post to your account within one business day.
- You can also pay by phone, mail, or automatic transfer if online payment doesn't work for your situation.
What you need before you log in
Have your Target RedCard number ready. You'll need it to create your Synchrony account if this is your first time logging in, or to look up your account if you've forgotten your username.
You'll also need a valid email address and a phone number associated with your account. Synchrony uses these to verify your identity and send you payment confirmations.
How to set up your Synchrony account for the first time
Go to mysynchrony.com and click "Enroll Now" or "Create Account." You'll be asked for your RedCard number, date of birth, and the last four digits of your Social Security number. Enter these exactly as they appear on your card and in Synchrony's records.
Next, create a username and password. Your password should be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character. Write this down somewhere safe or use a password manager so you don't lose it.
Synchrony will send a verification code to your email or phone. Enter that code to confirm your identity and finish setting up your account. Once you're verified, you can log in and see your balance and payment history.
Making a payment after you log in
Once you're logged into mysynchrony.com, look for a button or link that says "Make a Payment" or "Pay Now." Click it and you'll see your current balance and the minimum payment due.
You can choose to pay the full balance, the minimum payment, or any amount between the two. Enter the amount you want to pay and select your payment method — you can pay from a checking or savings account, or use a debit card.
Review the payment details to make sure the amount and account information are correct, then confirm. You'll get a confirmation number on screen and in an email. Keep that number in case you need to look up the payment later.
When your payment will show up on your account
Payments made online through mysynchrony.com usually post within one business day. If you pay on a Friday evening, for example, it may not show until Monday. Payments made by phone or mail can take longer — call the number on your card to ask about timing for those methods.
Your payment due date is set by Synchrony and appears on your monthly statement. Paying before that date keeps you from being charged a late fee. If you're cutting it close, paying by phone may be faster than paying online, though you should confirm the timing when you call.
Setting up automatic payments so you don't miss a due date
You can set up automatic payments through Synchrony so the bill is paid on the same day each month without you having to log in. This is useful if you want to pay the minimum automatically and avoid late fees.
Log into mysynchrony.com, find the "Automatic Payments" or "Recurring Payments" section, and enter the bank account you want to pay from. Choose the amount — minimum payment, full balance, or a fixed dollar amount — and the day of the month you want it to come out.
You can change or cancel automatic payments anytime by logging back in. Synchrony will send you a confirmation when the automatic payment is set up and a reminder before each payment goes through.
What to do if you can't log in or forgot your password
If you forgot your username, go to mysynchrony.com and click "Forgot Username." Enter your RedCard number and the email address on file, and Synchrony will send your username to that email.
If you forgot your password, click "Forgot Password" on the login page. You'll be asked to verify your identity using your card number, date of birth, and Social Security number. Once verified, you can create a new password.
If you're still locked out or can't verify your identity online, call the number on the back of your RedCard and speak to a Synchrony representative. They can help you regain access to your account or process a payment over the phone.
Other ways to pay if online doesn't work for you
You can pay by phone by calling the customer service number on the back of your RedCard. A representative will take your payment information and process the payment while you're on the call.
You can also mail a check or money order to the address shown on your monthly statement. Write your account number on the check so Synchrony knows which account to credit. Mail payments take longer to post — typically 7 to 10 business days — so send them early if your due date is coming up.
Some Target stores allow you to make a payment in person at the customer service desk, though this is less common. Call your local Target or check their website to see if this option is available near you.
Frequently Asked Questions
Is mysynchrony.com the same as Target.com?
No. Synchrony Bank manages your RedCard account, so you pay through Synchrony's website, not Target's. Target.com is for shopping; mysynchrony.com is for managing your credit card bill.
Can I pay my RedCard bill through the Target app?
The Target app does not have a bill payment feature. You must go to mysynchrony.com or call Synchrony to pay your bill. Some versions of the Target app may have a link to Synchrony, but the actual payment happens on Synchrony's site.
What happens if I miss my payment due date?
Synchrony will charge a late fee, usually $25 to $35 depending on your account terms. Your interest rate may also increase. If you miss a payment, log in or call as soon as you can to bring your account current and avoid further fees.
Can I pay more than the full balance?
No. You can pay up to your full balance, but not more. If you want to prepay for future purchases, you can pay the full balance and then use the card again; the new purchases will show up on your next statement.
Do I have to create a Synchrony account to pay my bill?
You can pay by phone without creating an online account, but creating an account lets you check your balance and payment history anytime. It takes a few minutes and is free.