How to Convert Synchrony Credit Card Statements to Excel (2026)

Synchrony Bank is the issuer behind dozens of store credit cards you probably already carry: the Amazon Store Card, Lowe's Advantage Card, CareCredit, and hundreds of retail co-brand cards. If you've ever looked at your mySynchrony statement and wished you could get those transactions into a spreadsheet, this guide covers every method — from Synchrony's native export options to PDF conversion when the portal falls short.

(For a general overview covering all issuers, see our credit card statement to Excel guide.)

Synchrony's Native Export Options

Synchrony manages all its retail and healthcare cards through mySynchrony.com. The portal provides some access to your transaction history, but full export functionality is limited depending on which card you have.

What mySynchrony Offers

The Reality: Export Access Varies by Card

When native CSV is available, the export typically includes:

• Transaction date
• Merchant description
• Transaction amount
• Payment/credit amounts

It does not include: statement-period fees, promotional financing plan details, deferred interest charges, or the breakdown between promotional and standard balances — all of which appear in the PDF statement.

When You Need PDF Conversion

Synchrony's PDF statements are frequently the only complete record available. Use PDF conversion when:

• No CSV export appears in your portal — this is common for older retail card accounts and some CareCredit configurations
• You need the full statement — promotional financing balances, minimum payment warnings, and deferred interest details are only in the PDF
• You're pulling historical data — Synchrony PDFs go back several years; the activity view may only show recent months
• You're reconciling CareCredit payment plans — the promotional balance breakdown in the PDF is essential for tracking multiple financing plans
• You're doing year-end expense categorization — converting 12 monthly PDFs takes minutes; re-entering them manually takes hours

Step-by-Step: Convert a Synchrony PDF to Excel

Card-by-Card Guide

Amazon Store Card

The Amazon Store Card (issued by Synchrony Bank, not to be confused with the Amazon Prime Rewards Visa) is one of the most widely held Synchrony cards. It's the no-annual-fee store card for Amazon purchases — you don't need a Prime membership to hold it.

Unique features of Amazon Store Card statements:

• Promotional financing tracking — many Amazon Store Card purchases use deferred-interest promotional financing (6, 12, or 24 months). The PDF statement shows each plan's expiration date and remaining balance separately.
• Amazon purchase descriptions — transactions show as AMAZON.COM with minimal detail, so category assignment relies on your purchase memory or cross-referencing your Amazon order history.
• No rewards balance in CSV — if you exported activity data, Amazon rewards points are tracked on Amazon's side, not in Synchrony's transaction export.

If you're trying to reconcile which Amazon purchases were promotional-rate vs. standard purchases for tax or budgeting purposes, the PDF statement is the only place that breakdown exists.

Lowe's Advantage Card

The Lowe's Advantage Card is issued by Synchrony and is a popular tool for homeowners and contractors. It frequently offers deferred-interest financing on large purchases (appliances, HVAC, roofing), making the PDF statement important for tracking plan balances.

Lowe's-specific statement features:

• Project financing plans — large purchases often land on separate promotional financing plans. The statement PDF shows each plan balance, promotion end date, and required monthly payment.
• PRO credit accounts — if you hold a Lowe's Business Account or Pro Card rather than the consumer Advantage Card, the statement format is similar but may include purchase order or job code fields.
• Contractor use case — many contractors use the Lowe's card for materials, then need the transaction data in Excel to bill clients or track job costs by category.

For contractor expense tracking, exporting Lowe's statement data to Excel lets you filter by merchant (Lowe's vs. other suppliers) and group purchases by project.

CareCredit

CareCredit is Synchrony's healthcare financing card — used for medical, dental, veterinary, vision, and hearing expenses. It has the most complex statement format of any Synchrony card because it tracks multiple concurrent promotional financing plans.

What makes CareCredit statements distinctive:

• Multiple simultaneous plans — a single statement can show 3-4 different promotional financing windows (e.g., 6-month dental financing from January, 12-month veterinary financing from March, and an expired plan now accruing deferred interest)
• Deferred interest risk — if a promotional period expires with a remaining balance, all deferred interest gets added back. The PDF statement is the only place you can verify each plan's status before the deadline hits.
• Provider names, not merchant categories — CareCredit transactions list healthcare providers by name (dental office, veterinary clinic, etc.) rather than a category. Sorting these into meaningful categories requires manual review after conversion.

Other Synchrony-Issued Cards

Synchrony issues cards for hundreds of retailers. Common ones include:

• PayPal Credit — the buy-now-pay-later credit line used on PayPal purchases
• JCPenney Credit Card — retail store card with similar format to Amazon Store Card
• Ashley HomeStores — furniture purchases often carry 12-24 month promotional financing
• Sam's Club — note that Sam's Club cards moved to Capital One in 2019; if you have a current Sam's Club Mastercard or Plus Card, it's Capital One, not Synchrony

All Synchrony-issued cards use the mySynchrony portal for statements, and all follow a similar PDF layout — so the conversion process described above works across all of them.

A note on Walmart: Walmart's store and Mastercard products transitioned from Synchrony to Capital One in 2019. If you have a current Walmart Rewards Card or Walmart+ Card, those are Capital One accounts. If you have older Walmart statements (pre-2019), those were Synchrony-issued and will match the Synchrony statement format described here.

After Conversion: Common Uses

Reconciling Promotional Financing Plans

CareCredit and Lowe's users frequently convert statements specifically to track promotional plan deadlines. In Excel, you can:

1. List each promotional plan as a separate row with its balance and expiration date
2. Calculate the required monthly payment to pay off before deferred interest hits
3. Set up a simple amortization table showing balance paydown over time

Importing into Accounting Software

If you're using Synchrony cards for business expenses, the converted CSV imports cleanly into accounting platforms:

• QuickBooks Online — Banking > Upload Transactions > CSV
• Xero — Bank Accounts > Import a Statement
• Wave — Transactions > Import

For detailed steps, see our guide to importing credit card statements into QuickBooks.

Year-End Tax Categorization

Healthcare spending on CareCredit may be deductible as medical expenses if you itemize deductions (for expenses exceeding 7.5% of AGI). Converting your annual CareCredit statements to Excel and filtering by provider makes it straightforward to total eligible medical expenses. See our guide on categorizing credit card expenses for taxes.

FAQ

Ready to convert your Synchrony statement? Upload your PDF here — it takes about 30 seconds, and your first conversions are free.