Toys "R" Us and Babies "R" Us MasterCard Review

Earn 2% back at Toys R Us and Babies R Us

R Us Card
•••  Toys r us

If you shop regularly at Toys "R" Us or Babies "R" Us, you've likely been pitched the idea of opening a  Toys "R" Us MasterCard. While the high rewards points-to-spending ratio at Toys "R" Us and Babies "R" Us sounds appealing, some of the other conditions of the card may not. Here's what you need to know when deciding whether to open an "R" Us credit card.

Toys "R" Us and Babies "R" Us MasterCard Basics

The "R" Us credit card is designed for people who want to earn rewards at these two children's retail stores.

Parents with small children and new grandparents with fair to excellent credit (600+) can earn rewards quickly with each purchase for their young ones.

This credit card offers a 26.99% APR with a minimum interest charge of $2.

While this "R" Us MasterCard doesn't charge an annual fee, there are other fees to know about.

"R" Us MasterCard Fees

  • Annual Fee: None
  • Return Check or Payment Fee: Up to $35
  • Over-Limit Fee: Up to $35
  • Balance Transfer Fee: 3% of your balance
  • Foreign Purchase Fee: 3%

Pros, Cons, and Rewards of the "R Us" Credit Card


  • Low redemption thresholds ($10)
  • Automatic redemptions


  • Weak introductory bonus options
  • 10% discount has lots of exclusions


  • Open an "R" Us Credit Card account online and choose 15% off or 6- or 12-month special financing (minimum purchase required) with your "R" Us Credit Card
  • Earn two points per $1 at Toys "R" Us and Babies "R" Us (excludes account opening offer)
  • Earn one point per $4 everywhere else MasterCard is accepted
  • 125 points = $5 in "R" Us Reward Dollars

Toys "R" Us and Babies "R" Us MasterCard Review

It is easy to redeem points for Toys "R" Us and Babies "R" Us Rewards Dollars, which can be used for purchases in-store or online. You will need to be strategic about when you cash out your points for Rewards Dollars as Rewards Dollars certificates expire within sixty days receiving them.

You cannot earn more than $20 in points in a two week period but you are able to save up $200 of points before you need to cash them out. As an automatic "R Us" Rewards member, you'll be emailed additional savings offers and special deals.

A lot of credit cards these days are offering generous introductory bonuses, but this isn't one of them. Once your application is approved, you get a discount coupon, good for 15% off your first purchase or, six months of special financing for a purchase of $299 or more. If your first purchase is $799 or more, the special financing offer increases to 12 months, but you must choose between the 15% coupon code and the special financing offer. Either offer will be valid for 90 days after you open the account, but any purchases with special financing are not eligible to earn points. 

Neither option is amazing when you consider that other cards are giving cash bonuses of $25 or more while allowing you to earn rewards faster. In addition, you can't use the discount a range of products including diapers, iPhones, Build-A-Bear, laptops, tablets, American Girl products, and others, so the discount is likely not to amount to very much.