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Toys"R"Us Credit Card

Toys"R"Us Credit Card


Rated 2/5 stars by our editorial team

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  • APR 26.99%
  • Signup Bonus Open an account online and choose 15% off or special financing


  • Click "APPLY NOW" to apply online
  • Card is only accepted in Toys"R"Us and Babies"R"Us
  • Earn 2 points per $1 spent at Toys"R"Us and Babies"R"Us and enjoy the benefits of Rewards"R"Us

Expert Reviews

From the Editorial Team

This card is handy if you want to make purchases at Toys R Us using plastic instead of cash, and it also offers certain perks to cardholders.

Expert Reviews of the Toys"R"Us Credit Card

  • 1.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0


  • 2.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

If you shop often at Toys R Us this card offers you ways to earn rewards to save money on future purchases, but if you carry a balance the APR charged will probably effectively undermine those savings.

The Good

With this card you earn rewards on your purchases at Toys R Us stores at a rate of one point per every dollar spent, and 125 points is worth $5. There is no annual fee, either. You also get access to exclusive sales and advance notice of special sales and promotions. You earn up to 10% back on purchases made with the baby registry at Toys R Us, and offers related to the store’s birthday club.

The Not So Good

The purchase APR is 26.99%, which is very high, so carrying a balance will be quite expensive. The card is only useful as a charge card at Toys R Us stores because it is not a full-fledged credit card like the Mastercard offered by Toys R Us.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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