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Toys R Us Credit Card

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Toys R Us Credit Card National retail chain Toy R Us makes it easy for you to shop at their stores and earn rewards through the Toys R Us credit card. The card is a branded MasterCard product issued by JPMorgan Chase. It bears the reverse “R” of the well-known store logo as well as the Chase and MasterCard logos.

Consumers whose application for the Toys R Us retail credit card is denied, or those who simply prefer not to use the MasterCard product, can apply for an in-house credit card instead. The MasterCard can be used anywhere in the world MasterCard is currently accepted, while the in-house card can only be used at Toys R Us or Babies R Us locations. Compare to other credit card offers now!

Chase provides a secure application for those who prefer to apply online. Applicants must certify a credit history free of bankruptcy, delinquent accounts, and previous credit denials by Chase within the last six months. Applicants who already have accounts with Chase will speed up their application process by signing on with their username and password.

Toys R Us Credit Card Terms

The interest rate for the in-house store credit card is 21.24%. For the branded MasterCard, the APR for both purchases and balance transfers is 15.24% or 19.24% based on credit worthiness. For cash advances and overdraft advances the APR is 19.24% or 23.24%. A penalty rate for missed, late, or returned payments is assessed at 29.99%.

The Toys R Us credit card carries no annual fee and lower than average fees for balance transfer credit card transactions, cash advances, and foreign transactions. At the time of application consumers may request up to three balance transfers from other MasterCards as well as Visa, Discover, or American Express accounts.

Toys R Us Credit Card – Rewards and Benefits

Both the MasterCard and in-house rewards credit cards earn points which can be redeemed for gift certificates valid at any Toys R Us or Babies R Us locations. An extra bonus of 10% off your first in-store purchase also applies to both cards. Points are earned at a rate of four points for every dollar spent at Toys R Us or Babies R Us. MasterCard holders earn an additional one point per dollar spent everywhere else.

The Toys R Us credit card provides additional benefits to MasterCard holders. They include travel accident insurance, auto collision damage coverage, 24-hour account access, emergency customer service, and more. Compare these benefits with other online credit cards now!

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

3 Cardholder Reviews for the “Toys R Us Credit Card”

  1. Casey Lee says:
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    I loved my Toys R Us card! Hopefully will be getting it back soon!

  2. mel says:
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    i have had my toys r us card for a very long time. now with the switch, its a disaster, plus we closed account paid in full, but they tacked a $90. CHARGE on us. if you can afford this its fine, but the extremely rude rep, kept blaming our bank. please be very very xareful with this card now. the perks are definitely not worth it! there are far too many better charge cards out there. buyer beware d on’t get burned!!!!

  3. Bob says:
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    We got this card because we will be buying a lot of stuff for our infant grandbabies. The rewards sound good, but when I tried to download transactions into Quicken I hit a brick wall. I contacted customer service for help. The agent was clueless about anything technical and after putting me on hold, informed me that they did not support Quicken because it was not secure enough. I asked to talk to their technical support, but they did not have any IT support.
    Apparently you use this card only if you don’t care how much you spend and never track your purchases. I will use this card only to get the rewards and enter transactions into Quicken manually, but after some major purchases, this card gets cut up.

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Less than $2,500 More than $2,500
Always Never Sometimes