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  McCoy's Building Supply Credit Card

McCoy's Building Supply Credit Card

in Personal Credit Cards from Synchrony Bank

Claimed

McCoy's Building Supply Credit Card

Claimed

in Personal Credit Cards from Synchrony Bank

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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0 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee N/A

McCoy's Building Supply Credit Card Review

This is a store rewards credit card issued by Synchrony Bank. If you're wondering whether McCoy's Building Supply Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of McCoy's Building Supply Credit Card
The Good The Bad
  • Special financing options available.
  • 6% rewards points on purchases with the McCoy’s Consumer Credit Card Building Bucks program when you choose the rewards.
  • Earn $15 for every $250 spent with your McCoy's Consumer Credit Card when you choose the reward
  • 10% off your first McCoy’s Consumer Credit Card purchase, up to $50.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • McCoy's Building Supply Credit Card reports to multiple credit bureaus.
  • High interest rates.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
McCoy's Building Supply Credit Card FAQ

Does McCoy's Building Supply Credit Card have a cash back or rewards program?

McCoy's Building Supply Credit Card is a rewards card.

McCoy's Building Supply Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Up to $50

Does McCoy's Building Supply Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does McCoy's Building Supply Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the McCoy's Building Supply Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for McCoy's Building Supply Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 29.99%.

Does McCoy's Building Supply Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does McCoy's Building Supply Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for McCoy's Building Supply Credit Card?

The following fees apply:

McCoy's Building Supply Credit Card Fees
Fees Amount
Annual Fee
Returned Payment Fee $28
Late Payment Fee up to $39

What is the customer service phone number for McCoy's Building Supply Credit Card?

The McCoy's Building Supply Credit Card customer service number is (866) 226-5638.

What is the support contact email for McCoy's Building Supply Credit Card?

The support contact email for McCoy's Building Supply Credit Card is customer.service@mail.synchronybank.com.

How do people rate the customer service and user experience of McCoy's Building Supply Credit Card?

Overall, McCoy's Building Supply Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

Does McCoy's Building Supply Credit Card report your account activity to credit bureaus?

Yes, McCoy's Building Supply Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for McCoy's Building Supply Credit Card

  • Visit the McCoy's Building Supply Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Returned Payment Fee $28
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • 2x Points on Every Purchase
  • 2x Points on In-Store Eligible Purchases
Signup Bonus Up to $50
Balance Computation daily balance
Purchase APR (Variable APR) 29.99%
Card Type
  • Rewards
  • Store Card
Card Network Other

McCoy's Building Supply Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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