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!