UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
Current Report Pursuant
to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported)	March 1320, 2026
Synchrony Card Issuance Trust Synchrony Card Funding, LLC Synchrony Bank
(Exact Name of Issuing Entity, Depositor/Registrant and Sponsor as Specified in their respective Charters)
Delaware
(State or Other Jurisdiction of Incorporation of Issuing Entity and Registrant)
333-280854, 333-280854-01	82-3295851 (Synchrony Card Funding, LLC) 32-6494512 (Synchrony Card Issuance Trust)
(Commission File Numbers for Registrant and Issuing Entity, respectively)	(I.R.S. Employer Identification Nos. for Registrant and Issuing Entity, respectively)
0001724786 (Synchrony Card Funding, LLC) and 0001724789 (Synchrony Card Issuance Trust)
(Central Index Key for Registrant and Issuing Entity, respectively)
777 Long Ridge Road Stamford, Connecticut	06902
(Address of Principal Executive Offices)	(Zip Code)
(877) 441-5094
(Registrant’s Telephone Number, Including Area Code)
Not Applicable
(Former Name or Former Address, if Changed Since Last Report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

333-280854, 333-280854-01		82-3295851 (Synchrony Card Funding, LLC) 32-6494512 (Synchrony Card Issuance Trust)
(Commission File Numbers for Registrant and Issuing Entity, respectively)		(I.R.S. Employer Identification Nos. for Registrant and Issuing Entity, respectively)

0001724786 (Synchrony Card Funding, LLC) and 0001724789 (Synchrony Card Issuance Trust)
(Central Index Key for Registrant and Issuing Entity, respectively)
777 Long Ridge Road Stamford, Connecticut	06902
(Address of Principal Executive Offices)	(Zip Code)
(877) 441-5094
(Registrant’s Telephone Number, Including Area Code)
Not Applicable
(Former Name or Former Address, if Changed Since Last Report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

~~Securities~~Item ~~registered~~1.01. ~~pursuant~~Entry tointo ~~Section 12(b) of~~Material ~~the~~Definitive ~~Act:~~Agreements.

~~Title~~On ofMarch 20, ~~each~~2026, ~~class~~Synchrony ~~Trading~~Card ~~Symbol~~Issuance Trust (sthe “Trust”) ~~Name~~and The Bank of ~~each~~New ~~exchange~~York onMellon, ~~which~~as ~~registered~~Indenture N/Trustee (the “Indenture Trustee”), entered into the Class A(2026-1) N/Terms Document (the “Class A(2026-1) N/Terms Document”). A copy of the Class A(2026-1) Terms Document is filed as Exhibit 4.1 to this Current Report on Form 8-K and is incorporated herein by reference.

~~Item~~On March 20, 2026, the Trust, Synchrony Card Funding, LLC (“Funding”) and Synchrony Bank (the “Bank”) entered into a Risk Retention Agreement with respect to the SynchronySeries Class A(2026-1) Notes (the “Class A(2026-1) Risk Retention Agreement”).~~01.~~ ~~Entry~~A ~~into~~copy ~~Material~~of ~~Definitive~~the Class A(2026-1) Risk Retention Agreement is filed as Exhibit 4.2 to this Current Report on Form 8-K and is incorporated herein by reference.

OnItem ~~March 13, 2026, Synchrony Card Funding, LLC (“Funding”) and Synchrony Bank entered into an Underwriting Agreement by and among Funding, Synchrony Bank, Barclays Capital Inc~~6.~~, J~~05.P. ~~Morgan~~ Securities ~~LLC~~Act ~~and~~Updating TD Securities (USA) LLC (the “Class A(2026-1) Underwriting Agreement”), with respect to certain notes (the “Class A(2026-1) Notes”) to be issued by Synchrony Card Issuance Trust (the “Trust”) pursuant to the Amended and Restated Master Indenture, dated as of May 1, 2018, as supplemented by the SynchronySeries Indenture Supplement, dated as of September 26, 2018, and the Class A(2026-1) Terms Document (as defined below), each between the Trust and The Bank of New York Mellon, as indenture trustee (the “Indenture Trustee”)Disclosure. ~~A copy of the Class A(2026-1) Underwriting Agreement is filed as Exhibit 1.1 to this Form 8-K and is incorporated herein by reference.~~

The tables set forth in the attached Exhibit 99.1 summarize the trust portfolio by various criteria as of the date specified therein.

Item 8.01.

Other Events.

OnIssuance orof ~~about~~Class A(2026-1) Notes. On March 20, 2026, the Trust ~~and the~~issued ~~Indenture~~$500,000,000 ~~Trustee~~principal ~~intend~~amount toof ~~enter into the~~ SynchronySeries Class A(2026-1) ~~Terms~~Notes ~~Document~~pursuant (to the ~~“Class~~Amended and Restated Master Indenture, dated as of May ~~A(2026-~~1), ~~Terms~~2018, ~~Document”). An~~between ~~unexecuted~~the ~~copy~~Trust ofand the ~~Class~~Indenture Trustee, as supplemented by the SynchronySeries AIndenture Supplement, dated as of September 26, 2018 (~~2026-1~~as amended or supplemented from time to time), between ~~Terms~~the ~~Document~~Trust isand ~~filed~~the asIndenture ~~Exhibit 4~~Trustee, the Supplement No. 1 to ~~this~~Amended ~~Current~~and ~~Report~~Restated onMaster ~~Form~~Indenture, dated as of May ~~8-K~~20, 2024, and isthe ~~incorporated~~Class A(2026-1) ~~herein~~Terms ~~by reference~~Document.

OnUse orof ~~about~~Proceeds ~~March 20,~~— Class A(2026~~, the Trust, Funding~~-1) ~~and~~Notes. ~~Synchrony~~The ~~Bank~~public ~~intend~~offering toof ~~enter into a Risk Retention Agreement with respect to~~ the SynchronySeries Class A(2026-1) Notes ~~(the~~ ~~“Class A(2026-1)~~was ~~Risk~~made ~~Retention~~under ~~Agreement”).~~the Anregistration ~~unexecuted~~statement ~~copy~~on ~~of the Class~~Form ~~A(2026~~SF-1)3 (File ~~Risk~~Nos. ~~Retention Agreement~~333-280854, is333-280854-01) filed aswith ~~Exhibit 4.2~~the toSecurities ~~this~~and ~~Current~~Exchange ~~Report~~Commission on ~~Form~~July ~~8-K~~17, ~~and~~2024 is(as ~~incorporated~~declared ~~herein~~effective byon September 12, ~~reference~~2024) (the “Registration Statement”).

InThe ~~connection~~public ~~with~~offering ~~the issuance~~ of the SynchronySeries Class A(2026-1) Notes was terminated on March 20, 2026 upon the ~~chief~~sale ~~executive~~of ~~officer~~all of ~~Funding~~the ~~has~~SynchronySeries Class A(2026-1) ~~made~~Notes. The underwriters of the ~~certifications~~SynchronySeries Class A(2026-1) ~~required~~Notes bywere ~~paragraph~~Barclays ICapital Inc.~~B.1(a) of~~, ~~Form SF-3~~J.P. ~~Such certifications~~Morgan ~~are~~Securities ~~being~~LLC, ~~filed~~TD ~~with~~Securities ~~this~~(USA) ~~Form 8-K~~LLC, Blaylock asVan, ~~Exhibit~~LLC, Mischler Financial Group, 36Inc.1, inRBC ~~order~~Capital toMarkets, ~~satisfy~~LLC, ~~the~~Siebert ~~requirements~~Williams ofShank & ~~Item~~Co., ~~601(b)(36)~~LLC and Wells orFargo ~~Regulation~~Securities, ~~S-K~~LLC.

~~The~~During ~~Registrant~~the isperiod ~~also~~from ~~filing~~the effective date of the Registration Statement through the current reporting period, the amount of expenses incurred in connection with ~~this~~the ~~Form 8-K~~issuance and distribution ~~Exhibits~~of 5.the SynchronySeries Class A(2026-1) Notes with respect to underwriting commissions and 8.discounts was $1,250,000. After deducting the underwriting commission and discount described in ~~connection~~the ~~with~~preceding sentence, the ~~issuance~~net offering proceeds of the Trust before expenses for the SynchronySeries Class A(2026-1) Notes are $498,730,750. Other expenses, including legal fees and other costs and expenses, are reasonably estimated to be $600,000 and net proceeds of the Trust, after deduction of expenses, are reasonably estimated to be $498,130,750. With respect to the payment of these other expenses and costs, all direct or indirect payments were made to persons other than persons who are (a) directors or officers of the Trust or (b) owners of 10 percent or more of any class of securities of the Trust.

The net proceeds to Funding, after deducting the underwriting commissions and discounts, and expenses above, were used to purchase credit card receivables from the Bank, an affiliate of Funding, and to repay intercompany indebtedness owed by Funding to the Bank, which indebtedness was incurred primarily to finance prior purchases of credit card receivables from the Bank. Except as provided in the previous sentence, none of the proceeds were used for payments to (a) directors or officers of the Trust or (b) owners of 10 percent or more of any class of securities of the Trust.

Item 9.01.

Financial Statements and Exhibits.

(a)

Not applicable.

(b)

Not applicable.

(c)

Not applicable.

(d)

Exhibits.

Exhibit No.	~~Document~~ Description
Exhibit 1.1	Underwriting Agreement, dated March 13, 2026, among Funding, Synchrony Bank, Barclays Capital Inc., J.P. Morgan Securities LLC and TD Securities (USA) LLC with respect to the Class A(2026-1) Notes
Exhibit 4.1	Class A(2026-1) Terms Document, between the Trust and the Indenture Trustee
Exhibit 4.1	Form of Class A(2026-1) Terms Document, between the Trust and the Indenture Trustee
Exhibit 4.2	Risk Retention Agreement, among Funding, Synchrony Bank and the Trust, with respect to the Class A(2026-1) Notes
Exhibit 4.2	Form of Risk Retention Agreement, among Funding, Synchrony Bank and the Trust, with respect to the Class A(2026-1) Notes
Exhibit 99.1	Composition of the Trust Portfolio
Exhibit 5.1	Opinion of Mayer Brown LLP as to the legality of the Class A(2026-1) Notes
Exhibit 8.1	Opinion of Mayer Brown LLP as to certain federal tax matters concerning the Class A(2026-1) Notes
Exhibit 36.1	Depositor Certification for Shelf Offerings of Asset-Backed Securities, dated March 13, 2026, with respect to the Class A(2026-1) Notes

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

March 17, 2026	Synchrony Card Funding, LLC
March 26, 2026	Synchrony Card Funding, LLC
	By:	/s/ Christopher Coffey
	Name:	Christopher Coffey
	Title:	Vice President

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