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Managing your MyLowe’s Rewards Credit Card® account is simple and convenient through the Synchrony Bank online portal at lowes.syf.com. From viewing statements to scheduling payments and updating your personal details, nearly everything you need is available 24/7 without a phone call. This guide walks you through each feature so you can take full control of your account.

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Registering for Online Account Access

Before you can manage your account online, you need to register for a Synchrony online account. You’ll only need to do this once.
1

Visit the Portal

Go to lowes.syf.com in your web browser.
2

Select 'Register'

On the sign-in page, click Register or Create Account to begin the enrollment process.
3

Enter Your Card Information

Provide your credit card number, the last four digits of your Social Security Number, date of birth, and ZIP code to verify your identity.
4

Create Your Login Credentials

Choose a unique username and a strong password. Synchrony recommends a password with a mix of letters, numbers, and special characters.
5

Set Up Security Verification

Select your security questions or enroll in two-factor authentication (2FA) for an added layer of account protection.
6

Confirm and Log In

Complete registration and log in with your new credentials. Your account dashboard loads immediately.
Bookmark lowes.syf.com after registering so you can access your account quickly in the future.

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Viewing Statements and Transaction History

Your full account history is available online as soon as you log in. Here’s what you can access:
Navigate to Statements in your account menu to view and download PDF copies of your monthly billing statements. Statements are typically available for the past 12–24 months, giving you a complete paper trail of your account activity.
The Activity or Transactions section shows a running list of all purchases, payments, credits, and fees posted to your account. You can filter by date range to find specific transactions or verify a recent purchase.
Your current MyLowe’s Rewards points balance is displayed on your account dashboard. You can also view your points earning history alongside your transaction history.
If you have any active deferred interest or promotional financing offers, your dashboard shows each promotional balance, its original purchase amount, and the expiration date by which you must pay it off to avoid interest charges.

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Making Payments

Paying your bill online is fast and flexible. Synchrony gives you three payment options:

One-Time Payment

Schedule a single payment for any amount — from the minimum due to your full statement balance — to post on a date you choose.

Scheduled Payment

Set up a future-dated payment in advance. Useful when you know a large bill is coming and want to plan ahead without setting up recurring autopay.

AutoPay

Enroll your bank account for automatic recurring payments each month. Choose to auto-pay the minimum due, the statement balance, or a custom fixed amount.

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Setting Up a One-Time Payment

1

Go to 'Payments'

From your account dashboard, select Make a Payment or navigate to the Payments section.
2

Link Your Bank Account

If you haven’t done so already, add your checking or savings account by entering your bank’s routing number and your account number.
3

Choose Your Payment Amount

Select from preset options (Minimum Payment, Statement Balance, Other Amount) or enter a custom dollar amount.
4

Choose Your Payment Date

Select the date you want the payment to post. Payments submitted before your bank’s daily cutoff time are typically processed on the same business day.
5

Review and Confirm

Review the payment details and confirm. You’ll receive a confirmation number — save it for your records.

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Enrolling in AutoPay

1

Navigate to AutoPay Settings

In the Payments section, select AutoPay or Automatic Payments.
2

Select Your Bank Account

Choose the linked bank account from which AutoPay will draw funds.
3

Choose Your AutoPay Amount

Select Minimum Payment Due, Statement Balance, or a Fixed Amount that you specify. Paying the full statement balance each month avoids interest charges on non-promotional purchases.
4

Set Your Payment Date

Choose the day of the month payments will be drafted, or allow Synchrony to schedule it based on your due date.
5

Confirm Enrollment

Review and confirm your AutoPay settings. You’ll receive a confirmation email once enrollment is complete.
Even with AutoPay enrolled, you can still make additional one-time payments at any time. AutoPay will not draft a duplicate payment if you’ve already paid your balance before the scheduled date.

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Setting Up Account Alerts and Notifications

Account alerts keep you informed of important activity and help you avoid late fees or missed promotional deadlines. Log in to your account and navigate to Alerts or Notification Settings to configure the following:
Enable both email and text (SMS) alerts for payment due reminders. Redundant notifications reduce the risk of a missed payment, which can affect your credit and cancel any active promotional financing offers.

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Updating Your Personal Information

Keeping your contact information current ensures you receive important account communications without delay. From your account settings, you can update:
  • Email address — used for statements, alerts, and account notifications
  • Phone number — used for text alerts and account verification
  • Mailing address — where paper statements and card correspondence are sent
  • Password — update periodically for account security
To make changes, navigate to Profile or Account Settings after logging in, update the relevant fields, and save your changes. Some updates may require you to verify your identity via a one-time code sent to your registered email or phone.

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Reporting a Lost or Stolen Card

If your MyLowe’s Rewards Credit Card® is lost, stolen, or you notice unauthorized transactions, act quickly:
1

Log In Immediately

Access your account at lowes.syf.com from any device.
2

Navigate to Card Services

Go to Card Services, Account Services, or a similarly named section in your account menu.
3

Report the Card Lost or Stolen

Select Report Lost/Stolen Card. Synchrony will immediately deactivate your current card number to prevent further unauthorized use.
4

Request a Replacement Card

A replacement card will be issued and mailed to your address on file. Standard delivery typically takes 7–10 business days; expedited options may be available.
5

Dispute Unauthorized Transactions

If you see charges you didn’t make, use the Dispute a Transaction option in your account or call the number on the back of your card to initiate a formal dispute.
Do not delay reporting a lost or stolen card. The sooner you report it, the sooner your old card number is deactivated — limiting your exposure to any fraudulent charges. Federal law limits your liability for unauthorized credit card charges to $50, and Synchrony’s zero-liability policy may offer additional protection.

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Accessing Your Account on Mobile

Everything available on the desktop portal is also accessible from your mobile device:

Mobile Browser

The Synchrony portal at lowes.syf.com is fully responsive. Open it in any mobile browser on your phone or tablet and log in with the same credentials you use on desktop.

Synchrony Bank App

Download the Synchrony Bank app from the Apple App Store or Google Play Store. You can manage all your Synchrony accounts, including your MyLowe’s Rewards Credit Card®, from a single app with biometric login support.
Enable biometric login (Face ID or fingerprint) in the Synchrony app for faster, more secure access to your account from your phone.
Managing your MyLowe’s Rewards Credit Card® account online puts you in complete control — from tracking your rewards and promotional balances to making payments and staying secure. Spend a few minutes setting up your alerts and AutoPay today, and your account will practically run itself.