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

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. ¨

On September 19, 2018, Synchrony Card Funding, LLC (“Funding”) and Synchrony Bank entered into an Underwriting Agreement by and among Funding, Synchrony Bank, Barclays Capital Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated, RBC Capital Markets, LLC and Wells Fargo Securities, LLC (the “Class A(2018-1) Underwriting Agreement”), with respect to certain notes (the “Class A(2018-1) 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 (as defined below) (as so supplemented and as otherwise modified or amended from time to time, the “Indenture”), and the Class A(2018-1) Terms Document (as defined below), between the Trust and The Bank of New York Mellon, as indenture trustee (the “Indenture Trustee”). A copy of the Class A(2018-1) Underwriting Agreement is filed as Exhibit 1.1 to this Form 8-K and is incorporated herein by reference.

On or about September 26, 2018, the Trust and the Indenture Trustee intend to enter into the SynchronySeries Indenture Supplement (the “SynchronySeries Indenture Supplement”). An unexecuted copy of the SynchronySeries Indenture Supplement is filed as Exhibit 4.1 to this Current Report on Form 8-K and is incorporated herein by reference.

On or about September 26, 2018, the Trust and the Indenture Trustee intend to enter into the Class A(2018-1) Terms Document (the “Class A(2018-1) Terms Document”). An unexecuted copy of the Class A(2018-1) Terms Document is filed as Exhibit 4.2 to this Current Report on Form 8-K and is incorporated herein by reference.

On or about September 26, 2018, the Trust, Synchrony Card Funding, LLC and Synchrony Bank intend to enter into a Risk Retention Agreement with respect to the SynchronySeries Class A(2018-1) Notes (the “Class A(2018-1) Risk Retention Agreement”). An unexecuted copy of the Class A(2018-1) Risk Retention Agreement is filed as Exhibit 4.3 to this Current Report on Form 8-K and is incorporated herein by reference.

In connection with the issuance of the Class A(2018-1) 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(2018-1) 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.