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The McCoy's Consumer Credit Card

Enjoy Valuable Benefits When You Apply and are Approved

Whether you’re planning a large re-model, dealing with the unexpected expense of a broken water heater 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. Apply today and if approved, you’ll reap the many benefits of the McCoy’s Consumer Credit Card including:

  • 12 Months Special Financing* Available on purchases of $399 or more with your McCoy’s Consumer Credit Card
  • 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 rewards**
  • 10% off your first McCoy’s Consumer Credit Card purchase, up to $50†

Increased Buying Power
Fast, Easy Credit Decision
Honored at All McCoy's Stores

Already a McCoy's Consumer Credit Cardholder?

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.

McCoy's Consumer Credit Card

12 Months Special Financing on purchases of $399 or more* or Choose 6% Rewards on your purchase** 


* No Interest if paid in full within 12 months on purchases of $399 or more with your McCoy’s Consumer Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 Months. Minimum Monthly Payments required. Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promo purchase amount in full within 12 Months. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. 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 2 Rewards Points, when choosing the rewards. Purchases for which the cardholder elects financing promotions are not eligible to earn Rewards points. For every 500 Rewards points accumulated ($250 in eligible net card purchases where the cardholder chooses 6% rewards), a $15 Building Bucks Certificate will be issued to the cardholder. Rewards 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 Rewards points balance equals or exceeds 500 Rewards 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.

† Subject to credit approval. Valid for new consumers accounts only. Exclusions apply.  Cannot be combined with any other discount pricing or offers (sale prices, price overrides, bid pricing, or coupons).  One time use on customer account.