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Toys R Us Store Card

toys r us store card
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2.5 158 reviews   Write a Review!
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Toys R Us Store Card’s Rewards

Bonus
15% discount
Base Earn
2 point / $1
Max Earn
2 point / $1
Earn / Redeem Limit
No
  • Get 15% off or 6 months special financing(minimum purchase required) upon account approval.
  • Earn 2 point per $1 at Toys"R"Us & Babies"R"Us.
  • Get $5 in “R”Us Rewards with every 125 points you earn.

Toys R Us Store Card’s Key APRs & Fees

Intro Rate on Purchases
0% for 6 - 12 months
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
26.99% (V)
  • ANNUAL FEE None

Toys R Us Store Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE N/A
  • CASH ADVANCE FEE N/A
  • FOREIGN TRANSACTION
    FEE  
    N/A
  • SMART CHIP   No
  • Deferred Interest Details: 6 Month Special financing applies to purchases of $299 or more and 12 month Special financing applies to purchases of $749 or more made at "R"Us using either the "R"Us Credit Card or "R"Us MasterCard. No interest will be assessed on the promotional purchase if you pay the following (the "promotional balance") in full within 6 or 12 month.
  • Zero liability on unauthorized purchases.
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Toys R Us Store Card Reviews

 
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2.4
Overall Rating: 2.4 / 5
Total Ratings: 158
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Oct 17, 2014
Photo of Õ€Õ¡Õ¯Õ¸Õ¢ .
4
By:
ToysRus credit card is a regular credit card to me, but I try to not use it often because it has a really high APR. I don’t have kids but I attend many baby showers! Hence, I don’t shop at their store often but the good thing is that you can use this card anywhere, since it’s a master card. Because I have the credit card I also receive coupons and rewards for using the card.
Oct 13, 2014
Photo of David S.
4
By:
This is a very decent credit card if you understand how the deferred interest works and you make your payments on time. I use this card to make the majority of my purchases during Christmas and having the ability to push off the interest to a later date is wonderful. The cash back bonus awards pretty much fall in line with industry standards. I have had a few experiences with the customer service department and I haven't really had any problems. As with most store cards, the interest rate is quite high so make sure to pay on time.
Sep 22, 2014
Photo of Shelby M.
3
By:
I enjoy having the card because I buy from Toys/Babies R Us a lot for my young son. I enjoy the 0% introductory rate for the first 6 months and like that I get $5 for every $125 I spend. The cash back bonus isn't the greatest bonus I've seen on credit cards, but $125 is easy to spend for birthdays/Christmas/etc., so it adds up. However, any time I have questions regarding the card, the customer service is exceptionally awful. They constantly give the run-around.
Aug 27, 2014
Photo of Sam M.
1
By:
The card itself is decent if you tend to buy a lot from Toys/Babies R Us. However, the bank behind the card is the farthest thing from consumer-friendly. In January 2013, their servers got hacked and they closed several members' accounts, mine included. Not only was I not notified, I had to find out two weeks after they closed it when I wound up stuck in the middle of nowhere in need of gas with this card being all I had on me at the time. I had to wait another MONTH before my replacement account/card arrived. But, I gave them another chance anyway.

Now, a year and a half later, more
Jul 21, 2014
Photo of Michael P.
4
By:
The Toys R Us credit card works just fine for me. I applied for it and received a 0% introductory rate for 6 months, just in time to get my Christmas shopping done and paid off without having to pay interest. The store has an excellent selection so shopping for my niece and cousins will be a piece of cake this year. You can’t go wrong with that 0% interest. Just be careful to pay your bill off before that intro offer ends!
Jul 11, 2014
Photo of Amy K.
5
By:
I love my new Toys R Us credit card! Now I can purchase more toys and games for my family because the 0% introductory interest rate easily allows me to pay off the initial balance in full during the first few months. Birthdays and holidays are also less stressful since I have been using this card, as well as those times that pop up when you need to get a gift, and quickly! I highly recommend this card.
Jun 23, 2014
Photo of Jessica T.
4
By:
I like that I can use the Toys R Us card and earn coupons at Toys R Us. I would prefer that the rewards were not coupons for products but cash back. Often, the products I earn a coupon for are nothing I would be interested in. However, when I receive the $5 off, I am more likely to use it.
Jun 16, 2014
Photo of Alyssa O.
4
By:
Good credit card if you pay it off right away. Also good if you use it for large purchases. Great for first time parents that need to purchase a lot.
May 21, 2014
Photo of Tressa A.
4
By:
This is a good credit card. I have not had any problems with it. I pay it off as soon as the balance shows up, so I never pay interest or late fees. I get great discounts using it in the Babies R Us and Toys R Us store. Only disappointment I have had is the only time I earned the $5 R Us dollars, they expired before I got to use them, but that was more my fault than theirs. I love saving money!
May 12, 2014
Photo of Sarah S.
2
By:
We were sold in this because of the reward program. You probably were too if you're reading this, because it does sound nice on paper. However, the rewards just take too long to pile up for how little they actually are. 500 points for a $5 "R"Us dollars at $1 for four points is a lot worse than the Target RED Card's flat 5% discount, especially considering that Toys 'R' Us tends to sell their toys a bit on the high side compared to other retailers. So, in the end, we have another store card that's not really worth the hassle of using for its intended purpose.
Mar 12, 2014
Photo of Christina C.
4
By:
I really like this card. With two kids I am always going to birthday parties and buying gifts. With the rewards points I am getting a lot more done.
Mar 12, 2014
Photo of Evyn D.
4
By:
A 0% intro rate is great, and you get reward points as you shop. Loyal customers get coupons and discount cards in the mail.
Mar 12, 2014
Photo of Tania G.
4
By:
Great for any parent or grandparent with a child. The introductory 0% Intro rate was a wonderful lifesaver for setting up the baby's room with all the new furniture. Customer Service is fantastic, and zero liability for unauthorized purchases gave us peace of mind.
Mar 4, 2014
Photo of Michael P.
4
By:
Great to have around for birthdays. The 6 months deferred interest made it a clear winner over my other options, and makes life a lot easier all around. customer service was great, and selection is always good. the kids love any excuse for a toys r us trip.
Feb 20, 2014
Photo of Nicole M.
5
By:
I used this in store credit card last year for Christmas. It was easily obtained when I applied. I love the interest free rate for 6 months. This allowed me to buy all of my kids Christmas presents, without having to go into our savings account or limit the amount of Christmas gifts they were going to receive. Customer service is extremely helpful and friendly. The points per dollar rewards are also a huge bonus to using this card! I always highly recommend this card to friends and family!
Feb 19, 2014
Photo of Michele H.
5
By:
I love that I earn 4 pts per dollar. Come Christmas time I just keep racking up those points and the kids always have the most amazing Christmas, most amazing! It is just so win win ! Since I already shop at Toys R us it just works out for me better than I could ever dream. It's just a great card and then you add in the looks on my kids' faces come that Christmas morning. Well there is no price for that.
Feb 11, 2014
Photo of Andrew S.
4
By:
you get 4 points per dollar spent at toys r us and every 500 points you earn you get $5 back. So as you can see, cash back is not where this card shines. The best part about this card is that you can get 0% interest for purchases over 300 for 6 months and if it's 750 or more you get 0% interest for 12 months which is great because the actual interest rate for this card is a little high. Overall, I would recommend this card for anyone that makes frequent large purchases at toys r us.
Dec 19, 2013
Photo of Romi L.
4
By:
I got this card about a year ago, Just before Christmas, I think it's great, I went To Toys are us last week and they have great deals with 15% off and financial payments for 6 months. This is my daughter's first Christmas where she will understand so I wanted to give her nice stuff without spending all the money altogether. Just One more thing, and this is why I don't give this card a 5 star, it's the high rate if you don't pay in time.
Dec 18, 2013
Photo of Ramy E.
2
By:
I have been using the Toys R Us Store Card for about a year. The card provides some offers from time to time, in addition to a constant 1% off. However, the offers are not as frequent as those of other store credit cards. Additionally, the offers sometimes are not that worth (5%-10% off). The biggest disadvantage of using the card is the high rate (26.99%). Overall, I am not happy with the card, and thinking of getting rid of it.
Dec 8, 2013
Photo of Katie C.
4
By:
The Toys R Us Store Card works very nicely with the rewards program Toys R Us and Babies R Us has. You automatically get four points per dollar which you can redeem for store credit. As a new mom I make weekly, sometime daily, trips to Babies R Us and the points you earn add up fast. Many times there will be great deals, but only for credit card holders so it is very nice to be able to use this card and save even more. High interest rate, so I always pay it off in full.
Dec 5, 2013
Photo of Chelsea M.
4
By:
The Toys R Us Store Card is a wonderful card in my opinion. I recently had my first child with my lovely wife and we use this card on a weekly basis. Its so hard to keep myself under control and not spend too much lol. They have a great points reward program as well. They have lower rates than their competitors. I've had this card for a few years now and ill continue to use it to buy for me, my wife, my son and all my other family members especially around the holiday season. I would recommend this card to friends and family.
Nov 13, 2013
Photo of Ric R.
4
By:
I’ve been using the Toys R Us Store Card for a few years now and so far it’s been beneficial because of how much I shop at Toys R Us. The rewards are varied with the most prominent being the 4 points per $1 spent. The points basically equate to $1 per 100 points so it will help in the long-run. You also receive exclusive coupons and discounts throughout the year which other cards don’t give you. The standard rate to use the card is slightly lower than other cards in the same category which is great. Thankfully there are no hidden fees to be cautious of, just a standard more
Nov 6, 2013
Photo of Jeff G.
3
By:
I have had this card for a while now, and even though the interest rate is not great, it is a must have. With a 9 year old and a 2 year old, its nice when birthdays and/or Christmas comes up, it is very nice to have a Toys R Us card available to use!

I try to get it paid off fairly quickly because of the interest rate, but it is great to use in a crunch. I have also been known to use this when a birthday party for one of my kids pops up out of no where!

Customer service seems adequate, though I have only called them more
Oct 12, 2013
Photo of Jeremy A.
1
By:
This card is not as good as the company makes it out to seem. Number one first and foremost that people keep noticing is the stupidly high APR, 26.99%. If you carry a balance on this thing, you are going to be utterly destroyed by interest charges. The promotional offer in the store is a mere 15% off your purchases for one day, and that's only if you're approved on the spot. The rewards are lackluster - you get the same thing with a simple rewards card. If you exclusively shop at Toys R Us (which is no one considering how the company is faring lately) this is for you.
Oct 7, 2013
Photo of Chris M.
2
By:
The toys-r-us credit card seems like a good deal, but rarely ends up being worth using. First off, the APR is ridiculously high, so theres no point at all for rolling your balance over month to month. And it looks like the 'base pay' is 4% but really it's not; it's 1% for almost everything you buy there, and only 4% on 'select items'. Plus toys-r-us is always so pricey that even with the 4% back you end up spending more money than if you went to somewhere else, even if you didn't use a reward card there. Plus you have to cash out in increments of 500 points, which more
Oct 6, 2013
Photo of Jesse S.
5
By:
The Toys R Us Store Card is my favorite card of all. It has a 26 percent APR, which is pretty decent for a store card. It has no annual fee and no over the limit fee. I also like that anyone can get this card. You don't have to have perfect credit to get this card. The absolute best thing about this card is the 10 percent off everything. That there, by itself makes the card awesome. It does have a late fee of 35 dollars. Just pay your bills on time. What I use this card for is to buy Christmas gifts in December and just pay off more
Sep 30, 2013
Photo of John D.
3
By:
I like my Toys R Us card fairly well. It was easy to sign up for and get. I got it over the Christmas Holiday a couple years ago in order to get 20% off my items. I was able to sign up and get approved in the store. I do not like the interest rate, I feel that it is kinda high. I use my card for my Christmas shopping and pay it off with my income taxes. This card does offer reward points, which I do like. So all in all it allows me to give my kids a good Christmas and not have to spend a lot more
Sep 24, 2013
Photo of Josh K.
1
By:
I strongly dislike my Toys r Us gift card. The interest rate is through the roof and there are virtually no benefits to having or using the card. The store is already overpriced as is and then you're forced to pay even more with the APR being over 25%!! I would not recommend that anyone sign up for a Toys r Us card. You would be better off using a regular credit card you already have and getting points or whatever your card offers you. By the time you pay off the credit card you will be paying for your kids to go to college.
Aug 28, 2013
Photo of Bill M.
4
By:
My experience with this card has been good so far. Granted the interest rate of this card is high, ok its pretty darn high but it allows me to make all those great Toy and video game purchases when i am running low on actual cash. This card is for sure going to come in handy at christmas time. My son and I were shopping one day and i was offered the card at the register along with a discount if i was approved, i figured id give it a shot and sure enough i was approved, i was more than happy to put my purchase that day on the more
Jun 21, 2013
Photo of Micah E.
3
By:
My experience with this card was alright. The interest rate is very high, with not really any good benefits. I signed up during the holidays because the cashier told me that if I sign up today, I’ll get a 20% percent discount or something like that. Well, it took a long time to set up, and I had to enter information I was not very comfortable with entering right there into their system. But, the worst part was that the store was very packed, and they did not have enough cashiers; when I was signing up for this card, people started getting really irritated, including me. We even had to more
Jun 14, 2013
Photo of Byron G.
4
By:
I applied for my Toys R Us credit card about six months ago. I shop there a lot for my kids. I got approved almost immediately and I was so excited as were my kids. My first charge purchase was about $54.36 if I recall correctly. The interest on the credit card is a bit high for my liking but hey its for my kids. You do get rewards points when you shop which is definitely a bonus. It is 4 points per bonus. I do like that and I do like the fact there is a grace period on paying the bill without getting a late fee.
Jun 14, 2013
Photo of AJ S.
5
By:
This is a great card to have when you have kids. We got this card when our oldest was born. The rate is high, but it’s a store card so not unexpected. The good thing about this card is the rewards. You’re going to be buying lots of diapers, wipes, formula and loads of stuff. So the points and coupons we’ve received have really helped. We also got 10% off the day we got approved. We used that on the larger items on our registry. Now that the kids are older it’s great to get the discounts on the latest must have toys.
Jun 14, 2013
Photo of Francina B.
5
By:
I have lots of cousins, nieces and nephews under 10 years old and the Toys R Us store card is amazing for handling birthdays and holidays. The kids always love their presents, and I never feel like I'm skimping on what I get them. The rewards are really great, especially the point system. I get paid monthly, so it's wonderful to have this option when there are suddenly six gift-giving holidays coming up in a four week period. I can buy what I need and pay it off at a reasonable rate. Customer service has always been excellent as well. Whenever I had questions, they were quick and friendly with more
Jun 7, 2013
Photo of Marc G.
5
By:
This is a great card if you have a new baby. You can get good rewards for buying diapers, and formula. I used it just to buy those things, I saved the rewards, and bought some Christmas presents with them. The rewards are applied quickly. I had trouble paying my balance one month. They let me break the payment into two different payments, with no penalty. They were very pleasant with working with me. I appreciate them not making me feel ashamed. This was a great option, especially for people with unexpected expenses like parents.
Jun 7, 2013
Photo of Pearlie V.
5
By:
The Toys R Us store card is great for any parents who obviously have atleast one or multiple children. Now I just have to convince my kids that this card doesn't have a balance of infinity on it. They tend to think that with the Toys R Us store card that they can just pick out whatever they want. Well I'm not rich by any means, so learn to set limits for your children. I know it can be tough when they are yanking on your pants begging and crying for the newest and hottest toys, but stand strong as this card could potentially get you in some financial trouble. more
May 31, 2013
Photo of Sara O.
4
By:
The ToysRUs Store Card really came in handy at Christmas time. I got both my daughter's gifts with it, and have since paid off the balance. The rates are comparable, and they give you the typical grace period. My favorite part is the points you can earn, as they are much higher than with other credit cards and have good bonuses. Customer service is good, and the representatives are always helpful. I haven't really had to call much though, because I have never had a problem with billing. I get mine online, and the website is easy to use and gives me all the information that I need.
May 31, 2013
Photo of Ryan H.
5
By:
The Toys R Us Store Card is great for us, we originally, got it, when my oldest was born, anticipating a decade of toys for presents. Buying presents for our boys and their friends, as well as relatives who have had kids, means we accumulate tons of points regularly. On the downside, the rate is pretty high, but if you pay it off each month, it’s not a problem. The rewards apply a crossed the board and can be used on pretty much anything in store. My wife and I have taken to the process of me buying my annual sports video games from Toys R Us using our points. more
May 24, 2013
Photo of Wayne T.
5
By:
I love my Toy R Us credit card because it has saved me when I haven’t had the money to make purchases for my kid’s birthdays and on holidays. I have children in a wide range of ages and Toy R Us has something for all of them from video games to baby toys. I really like cards that offer rewards also and the Toys R Us card is exceptional because they don’t have exclusions on what items you can earn rewards with plus they never expire. I can save up my rewards points throughout the year and get a decent discount on my Christmas shopping by using them then. more
May 17, 2013
Photo of Mike D.
4
By:
I used the Toys R Us card for some time now. I was approved right away, which was a surprise to me. You'd be surprised how many rare toys come out and I used this card to purchase and buy them then turn around and sell it. If you're looking for a good way to raise up your credit, this is the one to use. If used right you can make 20-40$ extra on toys. The bonus was also very nice, 10% off. I recommend this to anyone that has kids, or short on time during the holidays, or does enough research into toys to turn and resell them.
Feb 1, 2013
Photo of Kathleen M.
5
By:
I signed up for a Toys R Us and Babies R Us card when I was pregnant with my first child. I figured that I would be needing a lot of supplies such as a crib, pack and play, walkers, plus I was going to need diapers, wipes and formula on a regular basis. Where I live, Babies R Us and Toys R Us have those items for the best prices. I was approved on the spot and was able to get 10% off my purchases that day, which was great. I think this is a great card because of the rewards. If you have a baby and are buying more
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Aug 7, 2012
Photo of Carol B.
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How to apply the toy r us credit card online application in japan

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Last updated on: Nov 14th, 2014 at 3:42 EST