Exhibit 3.1

CERTIFICATE OF FORMATION

OF

SYNCHRONY CARD FUNDING, LLC

1. The name of the limited liability company (the “LLC”) is Synchrony Card Funding, LLC.

2. The address of the registered office of the LLC in the State of Delaware is 1209 Orange Street, in the City of Wilmington, County of New Castle, 19801. The name of the registered agent of the LLC at such address is The Corporation Trust Company.

IN WITNESS WHEREOF, the undersigned has executed this Certificate of Formation of the LLC this 2nd day of November, 2017.

/s/ Denise Y. Crusor                    

Denise Y. Crusor

Authorized Person