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McCoy Credit Card - No interest if paid in full within 12 months* McCoy Credit Card Banner

McCoy’s and Synchrony Bank are Proud to Offer the McCoy’s Consumer Credit Card

Whether you’re planning a large re-model or just ready to tackle a new DIY project, financing with the McCoy’s Consumer Credit Card can give you the power to purchase what you need, when you need it.

The McCoy’s Consumer Credit Card delivers valuable benefits:

  • 12 Months Special Financing Available* on purchases of $399 or more with your McCoy’s Consumer Credit Card
  • 10% off your first McCoy’s Consumer Credit Card purchase, up to $50†
  • A 3% rebate on all your purchases with the McCoy’s Consumer Credit Card Building Bucks program. Earn $15 for every $500 spent with your McCoy's Consumer Credit Card**
  • Increased Buying Power
  • Fast, Easy Credit Decision
  • Honored at all McCoy's Building Supply Locations

Next time you’re at a McCoy’s, please take a moment to apply in person!

Already a McCoy's Consumer Credit Card holder?

Click here to access your account information or make a payment to Synchrony Bank online.

Other Questions?

Contact Synchrony Bank’s Customer Service department toll-free at (800) 250-5411.


*Subject to credit approval. Minimum monthly payments required. See store for details.

† Any discount, coupon, manufacturer rebate, or other promotional offer applied at time of purchase, will reduce your total purchase amount and may result in you not satisfying the minimum qualifying purchase amount required.

** The McCoy Credit Card Building Bucks program is automatically available to each McCoy's Consumer Credit Card customer, including employees, whose account is in good standing and not more than one payment past due at the time Building Bucks Certificates are issued and redeemed. Contractor and Commercial accounts are excluded.

For every $1 in net purchases (merchandise purchases minus returns and adjustments) charged to a McCoy’s Consumer Credit Card account, a cardholder will earn one Building Bucks Point. For every 500 Building Bucks Points accumulated, a $15 Building Bucks Certificate will be issued to the cardholder. Building Bucks Points are not earned on Cash Advances, Convenience Checks, Fees, Finance Charges, and non-McCoy’s products and services.

Building Bucks Certificates will be mailed the month following the billing period in which the Building Bucks Points balance equals or exceeds 500 Building Bucks Points. Multiple Building Bucks Certificates can be redeemed on a single transaction. For each Building Bucks Certificate redeemed, the cardholder is required to make a $50 minimum purchase on their McCoy’s Consumer Credit Card. Certificates are good for one-time use only at McCoy’s Building Supply locations, and must be surrendered at the time of purchase.

Building Bucks Certificates are not transferable and cannot be used as payment on your McCoy’s Consumer Credit Card account or for prior purchases. Building Bucks Certificates are redeemable for merchandise only, and they cannot be credited to an in-house account or redeemed for cash. They are not replaceable if lost or stolen, and expire on the expiration date printed on the front of the Certificate. This McCoy’s Consumer Credit Card Building Bucks program may be changed or discontinued at any time. No additional Building Bucks Certificates will be issued after termination of the Program.