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 registered pursuant to Section 12(b) of the Act:

On June 2, 2025, Synchrony Card Funding, LLC (“Funding”) and Synchrony Bank entered into an Underwriting Agreement by and among Funding, Synchrony Bank, Barclays Capital Inc., J.P. Morgan Securities LLC and RBC Capital Markets, LLC (the “Class A(2025-2) Underwriting Agreement”), with respect to certain notes (the “Class A(2025-2) 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(2025-2) Terms Document (as defined below), each between the Trust and The Bank of New York Mellon, as indenture trustee (the “Indenture Trustee”). A copy of the Class A(2025-2) Underwriting Agreement is filed as Exhibit 1.1 to this Form 8-K and is incorporated herein by reference.

On or about June 9, 2025, the Trust and the Indenture Trustee intend to enter into the Class A(2025-2) Terms Document (the “Class A(2025-2) Terms Document”). An unexecuted copy of the Class A(2025-2) Terms Document is filed as Exhibit 4.1 to this Current Report on Form 8-K and is incorporated herein by reference.

On or about June 9, 2025, the Trust, Funding and Synchrony Bank intend to enter into a Risk Retention Agreement with respect to the SynchronySeries Class A(2025-2) Notes (the “Class A(2025-2) Risk Retention Agreement”). An unexecuted copy of the Class A(2025-2) Risk Retention Agreement is filed as Exhibit 4.2 to this Current Report on Form 8-K and is incorporated herein by reference.

In connection with the issuance of the Class A(2025-2) Notes, the chief executive officer of Funding has made the certifications required by paragraph I.B.1(a) of Form SF-3. Such certifications are being filed with this Form 8-K as Exhibit 36.1 in order to satisfy the requirements of Item 601(b)(36) or Regulation S-K.

The Registrant is also filing with this Form 8-K Exhibits 5.1 and 8.1 in connection with the issuance of the Class(2025-2) 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.