WalletHub Rating
2.5/5
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
Zero liability on unauthorized purchases.
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Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
July 8th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Toys R Us Credit Card Pros & Cons
No membership fees
High rewards rate
15% discount initial rewards bonus
No balance transfers allowed
High regular APR
Foreign fee
Requires good/excellent credit
Toys R Us Credit Card Review
4.1 / 5
- 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.
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Compare The Toys R Us Credit Card vs. Popular Alternatives
Toys R Us Credit Card | Prime Visa | American Express® Gold Card |
---|---|---|
2.5WalletHub Rating WalletHub Rating 2.5 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 | 4.4WalletHub Rating WalletHub Rating 4.4 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 4.4 fees: 5.0 rewards: 4.3 cost: 4.6 Other Features: 0.0 | 2.5WalletHub Rating WalletHub Rating 2.5 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 3.8 User Reviews 3.8 Market Comparison 2.2 fees: 2.1 rewards: 2.4 cost: 2.3 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$250 |
Purchase Intro APR0%for6 - 12 months | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR26.99% | Regular APR20.49% - 29.24% (V) | Regular APRSee Pay Over Time APR |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now Terms Apply |
Questions & Answers
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.
Most Popular
3
Upvotes
How can I pay my Toys R Us Credit Card?
Reply
3
WalletHub
@WalletHub
The easiest way to pay your Toys R Us Credit Card is online. Alternatively, you can make a payment over the phone at (844) 406-7427 or via mail. To make a payment for the Toys R Us Store Card you should call (855) 389-2365 instead. The issuer allows you to make automatic payments, too.
How to Pay Your Toys R Us Credit Card
- 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.
4
8
Upvotes
Can I use my Toys R Us Credit Card anywhere?
Reply
8
5
Kelvin Caldwell
@kelvin_caldwell
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.
1
14
Upvotes
What credit score is needed for the Toys R Us Credit Card?
Reply
14
8
WalletHub
@WalletHub
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...
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6
22
Upvotes
I got approved but I don't know if I got the actual credit card or store card, Is there a way u can tell which one you got before the card arrives in the mail.
Reply
22
15
WalletHub
@WalletHub
You can contact the bank that issues those cards and ask which card you will receive in the mail. You can do that by calling 1-800-815-4051.
1
18
Upvotes
How do I increase my Toys R Us Credit Card credit limit?
Reply
18
10
WalletHub
@WalletHub
You can no longer ask for credit limit increases on the Toys R Us credit card, because the card was discontinued.
For more information, you can contact the issuer's customer service department at 1-855-389-2365.
5
5
Upvotes
Will cancelling my credit card affect my Rewards R Us program?
Reply
5
6
3
Upvotes
Did I get approved for a Toys R Us credit card?
Reply
3
3
Upvotes
How do I get a cash advance on my Toys R Us card?
Reply
3
6
WalletHub
@WalletHub
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.
2
Upvotes
Do I just need my drivers license to open credit card in one of your stores?
Reply
2
1
WalletHub
@WalletHub
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.
1
2
Upvotes
What is the address to Synchrony?
Reply
2
4
WalletHub
@WalletHub
According to the company's website, the address is 200 Crossing Blvd, Suite 101, Bridgewater, NJ 08807.
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Toys R Us Credit Card Reviews
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
AJ
@pike_aletha
1 Star Rating
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.
Comment
Maggie
@maggief_6
5 Star Rating
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.
Comment
Ulises
@ulisesdr1973cu
5 Star Rating
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.
Comment
Marla J Baker
@marlab_8
5 Star Rating
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
Comment
Jose
@feet84
5 Star Rating
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
Comment
betty roberson
@bettyr_63
3 Star Rating
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.
Comment
raycfong77
@raycfong77
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!
Comment
Brian P
@Cardtracker
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.
Comment
virginia_1
@virginia_1
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!
Comment
tayoung285
@tayoung285
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..
Comment
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