Toys R Us Credit Card ReviewsReviews, rates, fees and rewards details for the Toys R Us Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership feesHigh rewards rate15% discount initial rewards bonusNo balance transfers allowedHigh regular APRForeign feeRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Toys R Us Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 1-855-389-2365
Toys R Us Credit Card has a rating of 2.5/5 according to our proprietary credit card rating system. This rating reflects how appealing Toys R Us Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Toys R Us Credit Card earned a score of 5.0/5 for Fees, 1.3/5 for Rewards, 1.8/5 for Cost, and 3.6/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.6/5
281 reviewsRead and write reviews
Editor’s Review
4.1/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
2.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
1.3
Cost
1.8
Other Features
0.0
2.1/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 12 months, 26.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Open an "R"Us Credit Card account online and choose 15% off or special financing (minimum purchase required) with your "R"Us Credit Card
Earn 2 Points per $1 spent on eligible purchases at Toys”R”Us and Babies”R”Us; 1 point for every $4 spent outside “R”Us stores
10% off at “R”Us stores on Thursday
$5 in “R”US Rewards for every 125 points earned
Registrants get up to 10% back on purchases made from their Babies“R”Us registry
Geoffrey's Birthday Club member offer
Toys R Us Credit Card's Additional Info
Deferred Details Interest: No interest if paid in full within 6 months on purchases of $299 or more or No interest if paid in full within 12 months on purchases of $749 or more made at "R"Us with your Credit Card
Two offers, one application. As is the case with many retailers, there are two Toys R Us credit cards: the Toys R Us Mastercard and the Toys R Us Store Card, which can only be used to make Toys R Us purchases. You generally need good or excellent credit to get the Mastercard but only fair credit to get the store-only version. You can check your credit score for free on WalletHub to get a sense of which offer you’re likely to get approved for. But it really shouldn’t matter at the end of the day, as both cards are best (and equally rewarding) for Toys R Us purchases.
Treacherous choice to start. Whether you get approved for the Mastercard or the store-only alternative, you will be confronted with a decision upon opening your Toys R Us card account. Do you want 15% off your first purchase the day of account opening or “special financing” if that purchase totals $299+? Fortunately, this is an easy choice: Go with the discount. After all, Toys R Us credit cards have a feature called deferred interest, which means a high regular APR can retroactively apply to your entire original purchase amount if you’re late with a monthly bill payment or you don’t repay your full balance by the end of the special-financing period. All store credit cards that offer 0% intro rates use this same feature, so if you want a card to help you minimize the cost of big-ticket purchases, go with a general-purpose 0% credit card.
Great “R Us” rewards. Both Toys R Us credit cards give you 2 points per $1 spent at Toys R Us and Babies R Us. That works out to 8% cash back, considering 125 points are worth $5 in store credit. You’ll also get 10% off purchases made on Thursdays (pretty sweet!) and up to 10% back on items bought from your Babies R Us registry, if applicable. The only thing the Toys R Us Mastercard gives you that the store card does not is 1 point for every $4 spent elsewhere. That’s 1% back, which is about what you’d get from the average rewards credit card.
High interest rate. Both Toys R Us credit cards have an APR, which is well above the market averages for store cards (25.26%) and credit cards for people with fair credit (22.34%), according to WalletHub’s latest Credit Card Landscape Report. So it’s not a good idea to carry a balance from month to month.
No annual fee, but watch out abroad. Neither Toys R Us card charges an annual fee, which saves you about $15.55 per year relative to the average credit card (though it doesn’t really set the pair apart from other store-affiliated credit cards). That’s the good news. The bad news, if you get the Mastercard, is you shouldn’t use it to make purchases abroad or to buy things from internationally based merchants. That’s because it charges a 3% foreign-transaction fee. And getting a card without such a fee will enable you to save up to 11% on currency conversion, according to WalletHub research.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.1
User Reviews
3.6
Market Comparison
2.1
fees: 5.0
rewards: 1.3
cost: 1.8
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
Market Comparison
4.3
fees: 5.0
rewards: 4.1
cost: 4.5
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Toys R Us Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Online:Log in to your account and click on "Payments." Then, click on the "Make a Payment" button. Next, select the payment amount, date, and your preferred checking account to pay from. After reviewing your payment, click "Submit."
Over the phone: Call (844) 406-7427 and follow the prompts. If you want to reach a live representative to help you out, say “I want to make a payment” and then “customer service.” To pay your Toys R Us Store Card bill, call (855) 389-2365 instead.
Via mail: Mail a check or money order (but not cash) to:
Toys R Us Mastercard P.O. Box 530939 Atlanta, GA 30353-0939
Toys R Us Store Card address:
Toys R Us Card P.O. Box 530938 Atlanta, GA 30353
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Also, include your credit card number on your payment to avoid any processing delays.
Yes, you can use your Toys R Us Credit Card anywhere Mastercard is accepted. However, it is worth noting that this card was discontinued a while back.
If you're looking for a similar credit card, you should consider getting the Amazon Credit Card. This card can be used anywhere Visa is accepted. Plus, it offers 1 - 5 points per $1 spent on purchases. The card's annual fee is $0 and you need at least good credit to get approved.
Toys R Us Credit Card applicants needed good credit or better (a credit score of 700+) to qualify. And the Toys R Us Store Card required fair credit or better (a credit score of 640+) for approval. These cards are no longer available to new applicants, because Toys R Us filed for bankruptcy.
If you have good credit, it's definitely worth checking out some of the best credit cards for good credit and pick one based on your individual needs. Conversely, if you had your sights set on...
If you want to use your card at an ATM, you'll first need to call the issuer to get your cash advance PIN. Otherwise, you can request a convenience check.
You'll need an ID and your social security number. You can also apply online. Please visit the following link to apply: https://www.onlinecreditcenter6.com/toysrus/apply.html.
Share your insights and review for the Toys R Us Credit Card
5
19%
4
53%
3
14%
2
6%
1
9%
3.6
281 reviews
281 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
AJ @pike_aletha
Report Abuse
1 Star Rating
Verified Customer
I would not recommend any credit card from Synchrony Bank ever. They will lower your credit limit on you quickly. I used 50% of my credit limit and they dropped my credit limit below what I owed hurting my score.
show more
show less
Comment
0
0
Maggie @maggief_6
Report Abuse
5 Star Rating
Verified Customer
Great card with no monthly fees. Started out as a card I used to get my baby what he needed and now it’s nice to have as spending since toys r us closed.
show more
show less
Comment
0
0
Ulises @ulisesdr1973cu
Report Abuse
5 Star Rating
Verified Customer
Store that almost everybody loves and miss, amazing benefits, excellent customer service and professionalism, I recommend 100 % and we are waiting to see them back and strong again in the market.
show more
show less
Comment
0
0
Marla J Baker @marlab_8
Report Abuse
5 Star Rating
Verified Customer
Love this card… this card used to give me free toys now it gives me free cash! Since my kids are all adults it works for me. Thanks
show more
show less
Comment
0
0
Jose @feet84
Report Abuse
5 Star Rating
Verified Customer
Thanks for giving me credit when need it most. I hope to get approved once again and sorry for paying late I was running out of cash and lost my job those days so thank you so much
show more
show less
Comment
0
0
betty roberson @bettyr_63
Report Abuse
3 Star Rating
Verified Customer
Account was paid, and seems like it should state "paid", not just closed. It was closed, when the company went out of business. The company should give me the best benefit of the credit report. My account was in good standing, and it should reflect that in the reporting.
show more
show less
Comment
0
0
raycfong77 @raycfong77
Report Abuse
1 Star Rating
This company is a complete fraud. I\'ve tried to pay my balance 3X now and it returns my payment with an additional late fee citing some lame reason it would not go through. I pay all my bills in full and on time. Buyers looking for the discount beware, they will make it back through finance charges!
show more
show less
Comment
0
0
Brian P @Cardtracker
Report Abuse
1 Star Rating
Terrible service overall, high interest, no flexibility. They charge $27 late fee immediately, and their auto-pay system doesn't quite work. Nightmare of a card. The card also doesn't link directly with the store accounts, so need to manually enter phone number or email every time a purchase is made to get points.
show more
show less
Comment
0
0
virginia_1 @virginia_1
Report Abuse
1 Star Rating
They cancel your orders even if you have the credit to purchase them and respond to their fraud texts that they are valid charges. Very unhappy with the fact that I am no longer getting an item for an agreed to price and both companies have no worries about it!
show more
show less
Comment
0
0
tayoung285 @tayoung285
Report Abuse
1 Star Rating
Majorly regretting getting this card.. was told that a late fee would be assessed on Friday if my payment was not received.. ( it is Wednesday..) And just got an email saying a late fee had been assessed. I have had lots of issues with this card and have only spoken with 1 "nice/personable" representative at this company. I have 2 other credit cards with different companies and have 0 issues with them but this one is horrible.. The 10% lure is what got me being a single Mom.. Paying it off asap and never using it again..
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Target Credit Card, Disney Premier Credit Card, Toys R Us Store Card, Toys R Us Credit Card, and Amazon Credit Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.