Toys R Us and Babies R Us MasterCard Review

Earn 4 Percent Back at Toys R Us and Babies R Us

Toys R Us and Babies R Us MasterCard Review

With the Toys R Us and Babies R Us "R" Us MasterCard you can earn points toward purchases in Toys R Us or Babies R Us stores.

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 an APR between 15.24 percent to 19.24 percent on purchases and balance transfers, depending on your credit history. It also enforces a 29.99 percent penalty APR.

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

"R Us" MasterCard Fees 
Annual FeeNone
Up to $35
Return Check or Payment FeeUp to $35
Over-Limit FeeUp to $35
Balance Transfer Fee3 percent of balance
Foreign Purchase Fee3 percent

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


  • Low redemption thresholds ($10)
  • Automatic redemptions


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


  • Open an "R" Us Credit Card account online and choose 15 percent off or special financing (minimum purchase required) with your "R" Us Credit Card.
  • Earn 2 points per $1 at Toys R Us and Babies R Us (excludes account opening offer).
  • Earn 1 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

If you have small children or are a grandparent who loves to spoil your grandkids, you probably know how frequently you shop at Toys R Us or Babies R Us. This credit card can help you earn rewards on your purchases at the two stores.

You earn two points for every dollar you spend at the two stores, plus one point per $4 everywhere else MasterCard is excepted. The redemptions are nice and easy.

There's a limit of three certificates per month that you can earn, and you can't earn more than 24,000 points per year.

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 10 percent discount coupon good off your first purchase. That's a little chintzy - some cards are giving huge cash bonuses of $25 or more. In addition, you can't use the discount on stuff like diapers, iPods, video game hardware systems and laptop computers, so the discount is likely not to amount to very much.


If you shop a lot at these two stores, this card will likely save you some money.

Credit card pricing, terms, and rewards are subject to change. Check the card issuer's website for the latest credit card deals.