Amazon, Lowe’s, CareCredit, PayPal Credit and other Synchrony cards
Convert a Synchrony credit card statement to Excel, CSV or QuickBooks
Synchrony issues card statements as PDFs, one program at a time. Convert them to get any cycle of your Amazon, Lowe’s, CareCredit or PayPal Credit card into Excel, CSV or QuickBooks, checked against the totals Synchrony prints.
- Promotional Purchase Summary kept out of the rows
- Plan Type kept on every purchase
- Payments and credits signed as a card’s
- Each cycle checked against the Account Summary
Per program
where statements live
mysynchrony.com, mastercard.syf.com, paypal.com and others
Synchrony’s statement format
No CSV or QuickBooks download documented for cards
$1.99
monthly paper statement fee
On programs such as CareCredit and Lowe’s, balance over $2.50
MM/DD
dates on each row
Year taken from the statement period
The short answer
Can you export a Synchrony statement to Excel?
Not from Synchrony directly, as far as its own help pages go. Synchrony’s paperless statement page describes the statement as “a PDF file of the paper statement”, which you view, print or download from the Statements quick link once you sign in. It documents no CSV, Excel or QuickBooks download for its cards. To get a Synchrony statement into Excel, you save the PDF and convert it.
Where you sign in depends on the card. Synchrony’s find-your-account page sends store cards and CareCredit to consumercenter.mysynchrony.com, the Synchrony Mastercard to mastercard.syf.com, business programs such as Lowe’s and Sam’s Club to their own syf.com sites, and savings to securelogin.synchronybank.com. PayPal Credit statements are on paypal.com. If you hold three Synchrony cards, you collect statements from up to three places.
A converted Synchrony card statement has no running balance, so each cycle is checked against the Account Summary instead: previous balance, minus payments and other credits, plus purchases and other debits, fees and interest, must equal the new balance.
The Promotional Purchase Summary is full of dollar amounts that are not transactions
Sample statement
What a Synchrony statement looks like
Hover or tap a number to see what each part means for a conversion.
SYNCHRONY
Store card · Account ending 5521
Statement Closing Date 12/05/2026 · Billing cycle 11/06/2026 – 12/05/2026
Payment Due Date 01/02/2027
Account Summary
- Previous Balance
- $1,240.00
- - Payments
- -$150.00
- - Other Credits
- -$42.18
- + Purchases & Other Debits
- +$389.65
- + Fees Charged
- +$0.00
- + Interest Charged
- +$18.42
- = New Balance
- $1,455.89
Promotional Purchase Summary
| Purchase Date | Purchase Amount/Special Terms | Deferred Interest Charges | Promotional Balance | Expiration Date |
|---|---|---|---|---|
| 05/14/2026 | $900.00/No Interest If Paid In Full 12 Mo | $96.30 | $640.00 | 05/14/2027 |
| 11/14/2026 | $300.00/No Interest If Paid In Full 12 Mo | $2.61 | $300.00 | 11/14/2027 |
Transaction Detail
| Date | Reference # | Description | Amount | Plan Type |
|---|---|---|---|---|
| 11/09 | F4J82M1C0 | STORE 1842 CHARLOTTE NC | 89.65 | Standard |
| 11/14 | F4J82R7K2 | STORE 1842 CHARLOTTE NC | 300.00 | Promo |
| 11/18 | P93XK2L05 | PAYMENT RECEIVED - THANK YOU | -150.00 | |
| 11/22 | F4J83A9D4 | STORE 1842 CHARLOTTE NC RETURN | -42.18 | Standard |
Fees and interest
| Date | Reference # | Description | Amount | Plan Type |
|---|---|---|---|---|
| 12/05 | INTEREST CHARGE ON PURCHASES | 18.42 | Standard |
Total Interest for This Period$18.42
Native export
What Synchrony lets you export
For the cards, the statement PDF is the record. Converting it is how the rows get into a spreadsheet or accounting software.
Statements in the card’s account center
Not published; check your card’s list
On mysynchrony.com and the program sites, the Statements quick link lets you view, print or download each cycle. PayPal Credit statements download from paypal.com with Get billing statement.
Where it stops: A PDF only, one card program per site, with the Promotional Purchase Summary mixed in among the dollar amounts.
Synchrony Bank savings statements
Not published; check online banking
Monthly statements (at least quarterly) for high yield savings, money market and CDs, under the Inbox tab, then Statements.
Where it stops: Synchrony publishes no transaction download format for savings, so the PDF is the documented route.
Converting the statement with VouchRow
Any statement you have
The PDF becomes rows in the format your software takes, checked against the Account Summary (or the opening and closing balance for savings), with every row linked to its line.
Where it stops: Needs the statement PDF. A cycle you never saved has to come from the card’s account center first.
How far back
How far back Synchrony statements reach
Synchrony publishes no retention figures for its cards or its savings statements, so each bar below says where to check rather than guessing.
Card statements (PDF)
Not published
Under Statements in your card’s account center. Synchrony does not say how many cycles stay online; check the list for your card.
Card activity download (CSV, QFX, QBO)
None documented
Synchrony’s help pages describe the statement as a PDF and list no spreadsheet or Quicken download for its cards.
Synchrony Bank savings statements (PDF)
Not published
Monthly, or at least quarterly, under Inbox then Statements. Check online banking for how far back your list goes.
A dashed bar means the bank does not publish a figure; check your own online banking.
Step by step
How to convert a Synchrony credit card statement
- 1Save the statement PDFs from the card’s siteSign in where your card is managed (mysynchrony.com for most store cards and CareCredit, paypal.com for PayPal Credit) and open Statements. Save each cycle you need as a PDF.
- 2One card account per batchKeep each card’s statements together. An Amazon card and a Lowe’s card are separate accounts with separate statements, even though both are issued by Synchrony Bank.
- 3Upload and convertSign in to VouchRow and add the PDFs. Digital statements convert in batches. A scanned paper statement is read with OCR, one at a time. A password-protected PDF is unlocked in your browser; the password is never sent.
- 4Check each cycle against the Account SummaryThe rows must add back up to the summary on page one. If they do, the cycle shows as balanced. If not, VouchRow shows the difference, and clicking any row shows its line on the PDF.
- 5ExportExcel or CSV to review promotional purchases, QBO for a QuickBooks credit card account, QFX or QIF for Quicken, or the Xero CSV preset.
Formats
Where is your Synchrony card data going?
Pick the destination. The advice changes with it.
Synchrony statement to Excel
An .xlsx with one row per transaction: date, reference, description, signed amount and plan type. Amounts are written from your side of the card: purchases, fees and interest negative, payments and returns positive (the reverse of how Synchrony prints them). The previous balance minus the sum of the amount column equals the new balance.
Filter on the plan type to see which purchases sit on a promotion, then compare them with the Promotional Purchase Summary on the PDF to track each expiration date.
PDF to ExcelSynchrony statement to CSV
CSV is the format to use when another tool will read the file: a budgeting app, a spreadsheet script or an import screen. Choose the date format the importer expects before you export; MM/DD/YYYY and DD/MM/YYYY are easy to mix up on dates such as 11/09.
Because Synchrony documents no CSV of its own for its cards, a converted CSV is the way to get the same columns for every cycle and every card program.
PDF to CSVSynchrony statement to QuickBooks
Export QBO and import it into the credit card account in QuickBooks (in QuickBooks Online, under bank transactions, upload from file; in Desktop, as a Web Connect file). Set up one QuickBooks account per Synchrony card, since each program is a separate account with its own number.
Each row carries a transaction ID, so importing an overlapping cycle twice does not duplicate. Purchases arrive as charges and payments and returns as credits to the card.
PDF to QBOSynchrony statement to Quicken
QFX is Quicken’s Web Connect format. Import it into the Synchrony card account you already track so the history joins that account rather than creating a new one.
QIF also works, but QIF has no transaction IDs, so a cycle imported twice will duplicate. Prefer QFX.
PDF to QFXSynchrony statement to Xero
Use the Xero CSV preset: one signed amount column and the date format Xero expects. Import it into the credit card account in Xero, then reconcile as usual.
Converted rows are signed the way Xero expects on a credit card account: purchases, fees and interest as money spent, payments and returns as money in.
Statements into XeroStatement layout
How a Synchrony statement is laid out
The facts to check against the statement in front of you. Accounts covered: Store cards (Amazon, Lowe’s, Sam’s Club, TJX and others), CareCredit health and wellness card, PayPal Credit and PayPal-branded cards, Co-branded Visa and Mastercard cards (Verizon, Synchrony Mastercard), Synchrony Bank high yield savings, money market and CDs.
| Date format | MM/DD on each transaction row; the statement and promotional dates print in full as MM/DD/YYYY |
|---|---|
| Running balance | None on card statements. Each cycle is proved against the Account Summary instead |
| Amount column | One Amount column: purchases without a sign, payments and credits printed with a minus sign |
| Extra columns | Transaction Detail carries a Reference # and, on many programs, a Plan Type column that ties a purchase to a promotion |
| Promotions | A Promotional Purchase Summary lists each deferred interest or special financing plan with its balance and expiration date |
Why it works
Built around how Synchrony prints a card statement
Promotions are not purchases
The Promotional Purchase Summary lists each financing plan with its balance and deferred interest. It is read as a reference table and kept out of the transaction list.
Plan Type kept per row
A purchase on a 12-month no-interest plan and one on the standard rate look the same in the Amount column. The Plan Type stays with each row so you can tell them apart.
The summary is the proof
Previous Balance, Payments, Other Credits, Purchases & Other Debits, Fees and Interest are the cycle’s totals. They are checked against, not imported.
Card signs, read as a card
Payments and returns print with a minus sign. They come out as credits to the card in every format, not as charges.
Reference numbers kept apart
The Reference # column sits between the date and the description. It is kept as its own field instead of being glued onto the merchant name.
Every row traced to its line
Click a row and the PDF opens at the line it came from, which matters when a CareCredit or store card bill is evidence for a claim or a dispute.
Checked before export
A misread digit is caught on its own row
Every conversion is tested against the statement: the running balance on every row, page subtotals, opening plus movement against closing, the printed credit and debit totals, and the transaction count. When a number does not add up, VouchRow names the row and highlights the line it came from on the PDF.
Arithmetic only: it verifies amounts, balances and totals, not descriptions or dates, and two errors that cancel out would pass. The source-line link covers the rest.
How the checks workRunning balance check
- POS AMAZON MKTPLACE−86.4316,604.12
- CHECK #1042−1,250.0015,354.12
- ZELLE FROM J MORALES+640.0015,994.12
Every row agrees with the balance printed beside it.
Layout
How a Synchrony credit card statement is laid out
Synchrony’s own sample statement (on its deferred interest page) opens with Payment Information and the Account Summary: Previous Balance, Payments, Other Credits, Purchases & Other Debits, Fees Charged, Interest Charged and New Balance. Cards with a rewards program add a rewards summary box, and a Payment Coupon sits at the foot of page one. None of these are transactions.
Transaction Detail follows, with Date, Reference #, Description, Amount and Plan Type. Payments print as “Payment received - thank you” with a minus sign; purchases have no sign. Fees and interest come after it in their own group, with totals for the period and for the year to date, then the Interest Charge Calculation table with each balance type, its APR and the balance subject to interest.
Layouts differ by program and by year. CareCredit’s statement guide names the transaction list Transaction Summary instead, and older store card statements print Tran Date and Post Date as two columns with the reference number at the end. The sections that matter for a conversion (summary, transactions, promotions, fees and interest) are on all of them.
Promotional financing
Deferred interest and the Promotional Purchase Summary
Store cards and CareCredit sell on promotions such as “No Interest If Paid In Full” within 6, 12 or 24 months. Synchrony prints each one in the Promotional Purchase Summary: Purchase Date, Purchase Amount/Special Terms, Deferred Interest Charges, Promotional Balance and Expiration Date. CareCredit adds a Promotional Expiration Notification and, two months before a deferred interest promotion ends, a payoff reminder on the Payment Coupon.
For a conversion, that table is reference, not activity. The original purchase is already a row in the month it was made. The Deferred Interest Charges column is interest that has accrued but not been billed; it only becomes a row if Synchrony charges it, in which case it appears under interest charged on that cycle. Keeping the Plan Type on each purchase lets you list every open promotion with its expiry, which is usually the reason someone wants the statement in Excel at all.
Where statements live
Where to get Synchrony statements for each card
Synchrony runs each card as a program with its own account center. Most store cards and CareCredit sign in at consumercenter.mysynchrony.com and open Statements; Synchrony describes a Statements quick link that lets you view, print or download the PDF. The Synchrony Mastercard has its own site at mastercard.syf.com, and business programs such as Lowe’s and Sam’s Club have theirs on syf.com sub-domains.
PayPal Credit and the PayPal Credit Card are managed on paypal.com: open the card’s tile, then Statements, and choose Get billing statement to download the PDF. PayPal Extras Mastercard and Smart Connect hand you over to a Synchrony servicing site, where statements sit under Activity. The MySynchrony app shows statements for most cards, but Synchrony lists PayPal Credit, PayPal Extras, Venmo, TJX and eBay Extras as accounts it does not cover.
Synchrony does not publish how many months of card statements stay online. Check the Statements list in your card’s account center, and save each PDF when it arrives if you will need it later.
Savings
Synchrony Bank savings, money market and CD statements
Synchrony Bank savings accounts are online only and are managed at synchronybank.com, separately from any Synchrony card. Synchrony’s deposit agreement says you get a monthly statement unless there are no electronic transfers that month, and at least a quarterly statement in any case. Statements are found under the Inbox tab, then Statements, and download as PDFs.
A savings statement reads like a bank account, not a card: deposits and transfers in raise the balance, withdrawals lower it, and interest is credited to the account. Convert it the same way and the opening balance plus the movement is checked against the closing balance. Synchrony does not publish a transaction download format or a statement retention period for savings; check online banking for what your account offers.
Troubleshooting
Common Synchrony statement conversion problems
Most Synchrony errors come from the promotion table and the extra columns.
- The cycle total is too high: the Promotional Purchase Summary was read as transactions, so each financed purchase appears twice.
- Interest that was never charged shows up: the Deferred Interest Charges column is accrued interest, not a billed amount. Only interest under Interest Charged is a row.
- Merchant names start with a long code: the Reference # column was merged into the description. It is a separate field.
- Payments show as purchases: the minus sign on payments and returns was read the bank-account way. On a card, minus is a credit to you.
- A paper statement fee appears on a card you thought was paperless: Synchrony charges $1.99 a month on programs such as CareCredit and Lowe’s when a paper statement is sent and the balance is over $2.50. It is a real charge and belongs in the rows.
- Statements for one card are missing from mysynchrony.com: the card may be a PayPal, Mastercard or business program managed on a different site.
Side by side
Synchrony’s own options vs converting the statement
| Synchrony account center | Converting the PDF statement | |
|---|---|---|
| What you get | A PDF per cycle and an on-screen activity list | Rows in Excel, CSV, QBO, QFX, OFX, QIF, IIF or Tally XML |
| Spreadsheet download | None documented by Synchrony for its cards | Every statement you upload |
| How far back | Not published; check your card’s Statements list | Any statement PDF you saved |
| Promotional plans | Printed in a separate summary table | Kept out of the rows, Plan Type kept per purchase |
| Checked against the statement | No | Against the Account Summary of each cycle |
| Proof for a reviewer | A PDF to read | Every row linked to its line on the PDF |
Before you import
After converting a Synchrony statement, check these
- The cycle balancesPrevious balance plus the rows equals the New Balance on the Account Summary. If not, the difference is shown.
- No promotion rowsNothing from the Promotional Purchase Summary among the transactions, and no deferred interest amounts that were not billed.
- Payments are creditsYour payment and any returns come out positive in the export (credits to the card in QuickBooks), not as charges.
- Reference numbers separateDescriptions start with the merchant name, not with the reference code.
- Dates in the right yearOn a cycle that crosses New Year, the December rows are in the old year and the January rows in the new one.
- One file per cardAmazon, Lowe’s, CareCredit and PayPal Credit statements are separate accounts. Keep them in separate imports.
Downloaded activity and statements are not the same thing
Excel for Synchrony
Who uses it
Who converts Synchrony statements
Tracking deferred interest deadlines
CareCredit and store card holders with several promotions, who need each plan, its balance and its expiration date in one sheet.
Small business store cards
Lowe’s, Sam’s Club and other business programs, converted to QBO and imported into the credit card account in QuickBooks.
Medical and dental expenses
A year of CareCredit statements turned into a list of provider charges for an HSA claim, an insurance appeal or a tax deduction.
Divorce, bankruptcy and lending files
Store card debt documented cycle by cycle, with each row traceable to the statement Synchrony issued.
FAQ
Synchrony statements: questions
How do I export a Synchrony statement to Excel?
Synchrony documents no Excel or CSV download for its cards. Save the statement PDF from your card’s account center and convert it here to Excel or CSV. Each cycle is checked against the Account Summary.
Can I download Synchrony transactions as a CSV?
Synchrony’s help pages describe statements as PDFs and do not list a CSV download for its cards. Converting the statement PDF gives you a CSV with one row per transaction, in the date format your importer expects.
How do I get statements from Synchrony Bank?
Sign in where your card is managed and open Statements. Most store cards and CareCredit use consumercenter.mysynchrony.com, PayPal Credit uses paypal.com, and Synchrony Bank savings uses synchronybank.com, where statements are under the Inbox tab.
Where is my Amazon Store Card statement?
The Amazon Store Card is issued by Synchrony Bank, so the statement is Synchrony’s. Amazon’s help points cardholders to the Synchrony sign-in at synchrony.com/amazon; sign in there and open Statements to save the PDF, then convert it like any other Synchrony card.
How far back can I see Synchrony statements?
Synchrony does not publish a figure for card statements. Check the Statements list in your card’s account center, and save PDFs as they arrive if you will need older cycles later.
Is there a fee for Synchrony paper statements?
On programs such as CareCredit and Lowe’s, the card agreement sets a $1.99 monthly Paper Statement Fee in any cycle where a paper statement is sent and the balance is over $2.50. Paperless statements avoid it.
Why does my converted statement show my financed purchase twice?
The Promotional Purchase Summary repeats each financed purchase with its balance. It is a reference table. Converted files here keep it out of the rows, so the purchase appears once, in the cycle you made it.
Can I import a Synchrony card into QuickBooks or Quicken?
Synchrony does not document a QuickBooks or Quicken download for its cards. Convert the statement PDF to QBO for QuickBooks or QFX for Quicken and import it into the card account. Each row carries a transaction ID, so a repeat import does not duplicate.
Keep going
Related guides and converters
Formats for Synchrony cards
Other card pages
Other banks
Sources
The facts about Synchrony Bank on this page come from these pages, checked in October 2026. Banks change their online banking; if something here no longer matches, the bank’s own help page wins. Tell us and we will update it.
- Synchrony: find your account (sign-in sites per card program and savings)
- Synchrony: paperless statements (Statements quick link, PDF of the paper statement)
- Synchrony: deferred interest and how to read a statement (sample statement)
- CareCredit: understanding your statement
- CareCredit credit card account agreement ($1.99 paper statement fee)
- Synchrony: MySynchrony app (accounts not covered)
- Amazon: paying an Amazon Store Card (Synchrony sign-in)
- PayPal: viewing PayPal Credit and PayPal card statements
- PayPal: view and download statements (Get billing statement)
- Synchrony Bank deposit account agreement (statement frequency)
- Synchrony Bank: what is a bank statement (Inbox, Statements, PDF download)
Convert your Synchrony statements
Upload the PDFs, check every cycle against its Account Summary, and export Excel, CSV, QBO or QFX with promotional plans kept apart.