McCoy's Building Supply Credit Card

McCoy's Building Supply Credit Card Review

This is a store rewards card issued by Synchrony Bank. If you're wondering whether McCoy's Building Supply Credit Card is the right card for you, read on.

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

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. This card has higher than average regular APRs.

McCoy's Building Supply Credit Card has a variable purchase APR of 29.99%.

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

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.