Toys R Us Store Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Toys R Us Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate15% discount initial rewards bonusQualify with fair creditHigh Regular APRDeferred interest
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 "Finance New Purchases (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 Store 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 Store Card has a rating of 3.4/5 according to our proprietary credit card rating system. This rating reflects how appealing Toys R Us Store 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 'Finance New Purchases (Store Cards)'. To break it down further, Toys R Us Store Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.6/5 for Cost, 2.9/5 for APR, and 2.9/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
2.9/5
279 reviewsRead and write reviews
Market Comparison
Market Comparison
3.4
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 “Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
0.0
Cost
3.6
APR
2.9
3.4/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair 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
Get 15% discount on purchase of $299 or more when you open an account. Exclusions apply. Valid within 90 days of account opening online or same day in-store.
Get 15% off or 6 or 12 months special financing.
Earn 2 point per $1 at Toys"R"Us & Babies"R"Us. Get $5 in “R”Us Rewards with every 125 points you earn
Get 10% off in-store every Thursday when you use your "R"Us Credit Card
Registrants get 5% for the first $300 in registry purchases and 10% on those purchases over $300 (with no limits) made from their Babies”R”Us registry
Geoffrey’s Birthday Club member offer
Toys R Us Store Card's Additional Info
Deferred Interest Details: No interest if paid in full within 6 months on purchases made at "R"Us of at least $299 and within 12 months on purchases of at least $749
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 "Finance New Purchases (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.
User Reviews
2.9
Market Comparison
3.4
fees: 5.0
rewards: 0.0
cost: 3.6
APR: 2.9
4.8WalletHub Rating
WalletHub Rating
4.8
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.
Editor’s Rating
4.4
User Reviews
3.4
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
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.
Editor’s Rating
4.5
User Reviews
3.3
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
Other Features: 4.5
(279)
(74)
(1,259)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 6 - 12 months
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about Toys R Us Store 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.
Unfortunately, you can no longer apply for the Toys R Us Store Card, as this card is no longer available to new applicants. However, this doesn't mean you are out of options.
Alternative Credit Card Options
If you are looking for similar store cards, you can check out the Walmart® Store Card. This card gives you 2 - 5 points per $1 spent on purchases and comes with a $0 annual fee. Alternatively, you can take a look at the Amazon Store Card, which offers 5% back on Amazon.com purchases for Prime members. This card also has a $0 annual fee.
Lastly, you can check out our editors' latest picks for the best store cards on the market to weigh your options.
Unfortunately, you cannot pay your credit card bill at Toys”R”Us stores. But you can do so online ( https://www.ruscreditcard.com/toysrus/index.html ) or by mailing a check. Hope this helps!
The Toys R Us Store Card required a credit score of 640, at a minimum. That means you needed fair credit or better to get approved. Toys R Us filed for Chapter 11 bankruptcy and the card is no longer available to new applicants, but there are plenty of alternatives to consider.
If you're looking for another store card that can be used to purchase toys, your best bet is the Target Credit Card. It can only be used in Target...
Unfortunately, you can't request any credit limit increases, since Toys R Us is going down. Right now, there's no news regarding what will happen with the credit cards. They might get transferred to another company or they might get closed.
Share your insights and review for the Toys R Us Store Card
5
22%
4
23%
3
13%
2
16%
1
26%
2.9
279 reviews
279 reviews
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Amado Leon @amadol1
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4 Star Rating
The kids loved and price
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Comment
2
3
Ian Goodwin @iangoodwin88
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4 Star Rating
If you are a parent of young children and frequent shop at this store, then this is a great card. Aside from a rather high APR and some not so friendly customer service, the rewards system is pretty friendly. I can't stress enough that this is a card where you want to pay the balance ASAP. Having to jump through the hoops of customer service is not worth it. Get this card, use the points, make your kids happy, and pay off the balance. It's pretty straightforward.
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5
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Anonymous @Anonymous
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3 Star Rating
Its a great card for the most part. Fees and rates are fair, and that has never been a problem. Customer service leaves a little to be desired though. I don't know if they are employed by Toys r Us themselves or the bank that runs the card. I also worry about the security of the card as I believe they were hacked once.
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Brianna Gillett @briannag1
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4 Star Rating
I really like this credit card overall. The interest rate is pretty low and it's easy to use. It is very nice because Toys R Us gives you rewards for spending a certain amount of money on the credit card. It really comes in handy around the holidays or my kids' birthdays when I know I will be making a lot of purchases. Their customer service could be a bit better though. Some of the employees I've dealt with in the credit department have been rude.
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8
5
Casey Bosse-Magnacca @caseyb_5
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5 Star Rating
I loved this card. I've had it for about 7 years now and have never had any issues with it or the company. I also love that they give you $5 rewards for every certain amount of money you spend on the credit card. It's great to be able to use it for things like diapers, wipes, baby food and baby clothes. I've used the card to also buy baby car seats and furniture. I highly re come d this card for new parents and parents of older kids, it always comes in handy
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Comment
5
6
Alison Berk @alisonb1
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4 Star Rating
We got this card for Christmas time. I had just started a new job and had yet to be paid, so we were running tight on cash for this time of year. The Toys R Us I applied at was very helpful and even took the time to immediately run it (even though they were SWAMPED) to get it all sorted out immediately. I was able to complete my Christmas shopping that day and it really reduced my holiday stress. The card itself has decent terms, just pay it off quickly. Also, don' t every miss a payment! I was one day late and received two phone calls. I appreciated the reminder, but I don't want to even think about being a month or more late!
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Comment
3
7
Shannon Fong @columbiasmiles
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5 Star Rating
You need to use this card appropriately. I got this credit card because I have two grandson and I thought it would be great that my daughter could pay for purchases as she is an authorized user (I never use the card unless I go to TRU) and rack of the reward points. She is very successfully and earns at least 200 reward bucks every couple of months. She pays for everything she can on the card (Rent, groceries, etc.). However, she immediately or shortly there after pays the balance off. She never incurs interest changes on her purchases. Because of here buy and paying habits, the card started out with a1500 balance and then was bump up in less than 30 days to 2500 (which is quite enough for her and me in case I have to cover the bill, but so far she has been extremely responsible). This is the only way the rewards system will work to it's maximum potential.
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7
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George Green @georgeg_12
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2 Star Rating
This card has the usual percentage off for your first purchase which is nice because when I was signing up for the card I was purchasing a large swing-set, and that 15% made a big difference. But, the rewards program for this card is pretty weak compared to other store cards. And the introductory rate of 0% was only for 6 months, and I have great credit. Plus the rate afterwords is really high. All and all its not really a great card, but if you have a big purchase to make, that 15% may make it worth it.
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1
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Ben Ami @ShadyBento
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5 Star Rating
At the Lawrenceville, NJ location, on Saturdays you can get 15% off when you register!
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Comment
5
4
Korina Gravley @korina_gravley
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4 Star Rating
I have so many great things to say about my Toy R US credit card! First and foremost I love that you do not have to pay interest on your purchases the first six to twelve months after you open the card. When I opened my account it was right around Christmas when spending can get a little out of hand and this was a life saver. In addition to the no interest offer I love the fact that the grace period for payment is not fifteen days by twenty-three. So when life gets crazy and I forget what day my payment is due I am typically still within that period. But even if I happen to be late with a payment the late fee is just $35 which is not bad at all especially compared to other store credit cards.
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