Toys “R” Us credit card review – Everything you need to know

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Store credit cards are best known for great savings on purchases at your favourite retailers or simply building credit at minimum cost. They offer not only generous discounts on your everyday spends, but also, lucrative rewards opportunities with zero annual fees. Moreover, most of these credit cards require fair or low credit score for approval.

The Toys “R” Us is one such store credit card useful for scoring exceptional discounts on purchases at Toys “R” Us and Babies “R” Us franchise stores. This card offers excellent benefits for people who shop for toys and kids wear frequently. Since it does not have any annual fee, we believe it to be of great overall value for customers.

However, due to low rewards on purchases outside Toys “R” Us and Babies “R” Us, this card might not make up a good primary credit card option. In this Toys R Us credit card review, we will disclose all the important benefits and features, its pros and cons. Additionally, you will also learn how to make login and payment of this credit card. 


As in case with many credit card issuers, Toys “R” Us also offers two distinct credit cards via the Synchrony Bank: The Toys “R” Us MasterCard and Toys “R” Us store card. While the mastercard can be used across the globe where Mastercards are accepted, the store card is only valid for in-house purchases at Toys “R” Us and Babies “R” Us locations, offline as well as online. Both these credit cards have only single application process, so unless you opt out for MasterCard, you will be evaluated first based on your creditworthiness. The MasterCard requires at least good credit score for approval whereas the store-only card can be issued to people having fair or poor credit.

Kept apart the credit score requirements, the two cards offer pretty much similar benefits to its customers. Summarizing the Toys R Us MasterCard review, we get,

  • Zero annual fees.
  • Regular APR of 26.99%
  • Recommended credit score: 650-700 for the Toys “R” Us store card and 700-750 for Toys “R” Us mastercard.

The facility to move your balance from one credit card to another is not provided by Toys “R” Us.


If you’ve ever walked through the doors of Toys “R” Us or Babies “R” Us, you know that it’s a one stop destination to find top notch deals on Toys, Kids clothing, Video games and baby products.

The Toys R Us credit card earns you 2 points per dollar spent online or in-store at Toys “R” Us and its subsidiary Babies “R” Us. Additionally, if you enroll for the Rewards R Us program, you get 1 point on every dollar used for purchases at these stores. 

With both the credit cards, cardholders are eligible for a small signup bonus in the form of 15% OFF coupon, which is valid only on first in-store or online purchase made within 90 days of approval. However, you are barred to avail this offer on items such as laptops, tablets and video game hardware.

In addition to the discount, a cardholder can also apply for the ‘Geoffrey’s birthday club’ membership for their children. Under this scheme, kids are surprised with a special gift and phone call from Toys “R” Us and Geoffrey the giraffe, every year until they turn 10. 

Another noteworthy feature of Toys “R” Us credit card is that the users gets automatically enrolled for the Endless rewards program. This program lets members earn handsome rewards on baby registry with Babies “R” Us. Enjoy 5% off on a total bill upto $300, and 10% off if your spendings exceeds this value. You can expect your rewards in  form of gift card, which will be delivered to you within 12 weeks after the baby arrives.

When it comes to the Toys “R” Us MasterCard, the reward rate is 1 point every $4 spend on purchases. At 1% reward rate, this is optimal in comparison to other cash back credit cards. Another main benefit of Toys “R” Us credit card is it offers special deferred-interest financing options for 6 and 12 months. The minimum purchase value to avail 6 month financing is $299, while the same is $749 if you want to finance your purchase for a period of 12 months. One thing you must keep in mind is that no reward points are awarded on purchases made using these financing options.

The points earned through the rewards program can be redeemed for a gift card worth $5 as soon as you accumulate 125 points in your account.


  • 2 points on every dollar spent at Toys “R” Us and Babies “R” Us. 1 point every 4 dollar spent elsewhere.
  • Sign up bonus: 15% off on first purchase or access to special financing for 6 and 12 months.
  • Cash advance fee: $10 or 4%, whichever higher.
  • Foreign exchange fee: 3%
  • 10% off on thursdays at R Us stores.


Potential applicants can apply for Toys R Us credit card either online or by visiting the nearest Toys “R” Us or Babies “R” Us store. The in-store application process is instantaneous, in which your application is reviewed based on background credit history.

Alternatively, you can get your credit card approval online by following the step-by-step instructions on Toys “R” Us website. You’ll will be prompted to enter your mother’s maiden name and generate a 4 digit passcode for your account. In the final step, accept the agreement after reading the terms and conditions and click on submit. As soon as your application is submitted, you will receive an update about your application, along with your credit limit, if approved.


The Toys “R” Us store credit cardholders can send their payments to,

R Us Credit services,

Post office box #530938

Atlanta GA 530938

In case if you want to pay for your mastercard, send payments to,

R Us MasterCard,

Post office Box 530939

Atlanta GA 30353

You can also make Toys R Us credit card payment by reaching the service team at 1-855-389-2359 (MasterCard) or 1-855-389-2365 (store card).

Toys R Us also facilitate cardholders by allowing them to pay Toys R Us credit card bill online. Just visit the ‘Make payment’ section in your Toys R Us account to pay your bill instantly.

Toys “R” Us credit card alternatives

Chase Freedom Unlimited credit card:

  • 3% off on all purchases within first year, 1.5% cash back afterwards.
  • 0% introductory APR on purchases and balance transfers for first 15 months.
  • APR: 17.24%-24.99%
  • No annual fee.
  • Recommended credit score: 690 to 850
  • Reward rate of 1.50%

The Citi Double Cash card:

  • 2% cashback on all purchases: 1% as you buy and 1% as you pay.
  • No cashback limit.
  • No annual fees.
  • 0% APR for first 18 months, 15.74% to 25.74% afterwards.

The Toys “R” Us credit card can be a great option as it offers exceptional rewards on shopping at Toys “R” Us and Babies “R” Us stores. However, its major downside is below average reward rate on purchases outside R Us stores, making it a poor choice for a everyday credit card. Eventually, if you are not a fan of shopping at R Us stores, you might want to opt for better cash back cards.


Q1. What is Toys R Us credit card phone number?

A1. You can reach Toys R Us customer service team at 1-855-389-2365


Q2. What is the credit score required for Toys “R” Us credit card approval?

A2. We recommend a credit score between 650 to 700 for the store card and 700-750 for the MasterCard version. You can refer to the Toys R Us credit card review for the detailed answer.


Q3. Is the Toys “R” Us credit card worth it?

A3. That depends. It really offer some great deals for avid Toys “R” Us shoppers.


Q4. How can I get Toys “R” Us credit card?

A4. You can apply for Toys “R” Us credit card either online or by submitting an application at Toys “R” Us or Babies “R” Us.


Q5. Where can the Toys “R” Us credit card be used?

A5. While the Toys “R” Us store card can only be used for purchases made at Toys “R” Us and its subsidiary Babies “R” Us, the MasterCard is valid everywhere.

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