6
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: mccoys-building-supply-credit-card
Issuer: Synchrony
Card Name: McCoy's Building Supply Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony offers benefits under the Servicemembers Civil Relief Act (SCRA) to eligible active duty servicemembers, their spouses, and dependents. These benefits may include interest rate reductions and other protections.
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 6 Total
PENDINGConvenience 1
Online Account Management
N/ACardholders can conveniently manage their McCoy's Building Supply Credit Card account online through Synchrony's secure portal. This includes viewing statements, making payments, setting up alerts, and updating personal information.
Financial 2
No Annual Fee
$0 annual feeCardholders are not charged an annual fee for the privilege of carrying and using the McCoy's Building Supply Credit Card.
Dedicated Line of Credit
Varies by credit limitThe McCoy's Building Supply Credit Card provides a dedicated line of credit specifically for purchases at McCoy's Building Supply stores and online. This allows cardholders to maintain a separate budget for their building and home improvement needs.
Security 2
Fraud Protection
Full protection against unauthorized chargesCardholders are protected against unauthorized transactions made on their McCoy's Building Supply Credit Card account. Synchrony Bank employs security measures to detect and prevent fraudulent activity, as detailed in the cardmember agreement.
Zero Liability for Unauthorized Purchases
$0 liabilityCardholders will not be held responsible for unauthorized purchases made with their McCoy's Building Supply Credit Card or account information, provided they report the unauthorized activity promptly. This policy ensures cardholders are not liable for fraudulent use of their card, as per the cardmember agreement.
Shopping 1
Special Financing Offers
Varies by promotional offerAccess to special promotional financing options on qualifying purchases made with the McCoy's Building Supply Credit Card. These offers allow cardholders to defer interest or make payments under specific promotional terms, helping to manage larger purchases over time. Specific offers and terms vary and are subject to availability and credit approval.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility Requirements: Applicants must be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a fair to good credit history. Synchrony may decline applicants who have previously defaulted on a Synchrony-issued account. Bonus Rule: New cardholders typically receive deferred interest financing offers, such as 0% APR for 6, 12, 18, or 24 months on qualifying purchases over a specified minimum amount (e.g., $299-$499). A one-time discount (e.g., 10-15% off the first purchase up to a maximum dollar amount) may also be offered. Application Rules: Applications are accepted online or in-store at McCoy's Building Supply locations. Instant credit decisions are common. The card is primarily for use at McCoy's Building Supply stores and mccoys.com.
Max Cards Per Issuer: 5
Min Spend Interval: N/A (primary benefits are deferred financing or immediate discount); 3 months for any potential spend-based sign-up bonus.
Cliff Effect Rules: No specific 'card family' cliff rules like general-purpose credit cards. Approval for additional Synchrony cards is primarily based on overall creditworthiness and total credit exposure across all Synchrony accounts, rather than a hard limit on the number of distinct store cards.
Special Events: Seasonal sales events (e.g., Spring Renovation Sales, Summer Outdoor Project Promotions, Fall Maintenance Sales), contractor appreciation days, specific product category discounts (e.g., lumber, tools, hardware), anniversary sales, and loyalty program bonus point events.
Holiday Promos: Major U.S. holidays (e.g., Memorial Day, 4th of July, Labor Day, Black Friday, Cyber Monday, Christmas/New Year), and specific seasonal periods relevant to building supplies (e.g., Spring planting/building season, Summer outdoor living, Winter holiday decor/weatherization).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Easy access to financing for home improvement projects, special promotional offers available.
Top Negative:
High interest rates after promotional periods, limited use outside of McCoy's, occasional customer service issues with Synchrony.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Home Depot Consumer Credit Card
- Chase Freedom Unlimited
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0