Toys”R”Us Credit Card 2023 Review: Is it Right for You?

This card has no annual feel which makes it a perfect choice for shoppers who visit “R” Us”Toys and “R” Us” Babies stores. Toys ‘R’ Us Credit Card is hard to beat in terms of toy-shopping rewards and makes for a great specialty use card.

toys "r" us

Toys ‘R Us credit cardholders are automatically enrolled in the “R” Us rewards program, which gives two points for every dollar spent on the card at Toys ‘R Us or Babies ‘R Us and one point for every $4 spent on the card anywhere else.

Applicants can bank points for up to $200 worth of rewards or receive them via email once they earn at least 125 points ($5 reward).

APR and Other Fees on a Toys ‘R Us Card

The Toys ‘R Us credit card has no annual fee. The annual percentage rate (APR) for purchases is 26.99%, with a minimum interest charge of $2.00.

The card comes with a fixed APR of 29.99% for cash advances, a 3% transaction fee, and cash advance fees of 4% of the advance amount or $10, whichever amount is greater.

Late payments cost $37 in late payment penalties.

Handling High-Interest Rates on a Toys ‘R Us Card


This credit card comes with a high purchase APR, which affects you only if you carry a balance on the card from month to month. To illustrate how much you can expect to pay in interest, consider the following example:

Let’s say you open this store card and charge $500 in purchases. If you pay only the minimum payment (3% or $25, whichever is greater), you’ll need 27 months to pay off the balance, and you’ll pay $171.67 in interest!

The $500 worth of goods will cost $671.67 in the end, clearly negating any rewards you might earn.

The more a person charges, the higher the APR, and the longer it takes to pay off the balance, the higher the final price tag. To compensate for the high APR, pay the Toys R Us credit card bill in full each month.

Minimum Credit Score Needed for a Toys ‘R Us Card

To increase the odds of being approved for a Toys ‘R Us Credit Card, it’s important to have a stable income, an established credit history, and a credit score that meets the bank’s minimum requirements.

Synchrony Bank, which issues the Toys ‘R Us Credit card, often approves applicants with fair to excellent credit scores ranging from 620 to 720 or higher.

Understanding your Credit Score

Part of keeping on top of your finances involves monitoring your credit report and understanding credit scores. Each of the three credit bureaus (TransUnion, Experian, and Equifax) calculates a credit score based on the information in each of its files about a consumer’s lending history.

If the information differs among any of the bureaus, the scores they generate will be different. Any credit score is based on the following five factors:

  • Payment history (35%)
  • Amount of money owed (30%)
  • Credit history length (15%)
  • Types of credit (10%)
  • Recently opened credit (10%)

The amount owed on credit cards is also known as a utilization ratio. People with higher credit scores have utilization ratios of 10% or lower. To calculate a utilization ratio, add up the balance on all open credit cards.

Then go back and add up all of the credit lines available. To calculate the ratio, divide the total balance by the total number of credit lines and multiply that figure by 100.

Keeping low balances on credit cards and making payments on time makes a huge impact on a credit score.

Consumers are entitled to get a free copy of their credit report from each of the bureaus once every year. Keeping a keen eye on a credit report helps catch mistakes or inaccuracies early. It also keeps you on top of your credit score to keep finances on stable ground.

This is an example of a credit report and what you would see if you pulled your report.

How to Apply for a Toys R Us Credit Card

You can apply for a Toys R Us card online or at a Toys R Us or Babies R Us store. Opening an account online earns you 15 percent off or special financing on the first purchase you make with your new card.

Before You Apply

The credit decision depends in part on criteria like your credit score and the information in your credit report.

Whether you apply online or at a store, you’ll need to provide the following information to help Toys R Us confirm your identity and access your credit history:

  • Full legal name
  • Address
  • Primary phone number
  • Email address
  • Annual net income
  • Date of birth
  • Social Security number
  • Driver’s license number

Applying for a Toys R Us Card at a Store

Toys R Us and Babies R Us stores can process your Toys R Us credit card application while you wait and render an instant decision after completing your credit check. Use the Toys R Us store locator to find a local Toys R Us store.

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Applying for a Toys R Us Card Online

You can get your credit card approval online if you prefer self-service. Select the “R Us Credit Card” navigation link at the bottom of the Toys R Us homepage, and follow the prompts to complete the application.

The application prompts to ask whether you prefer electronic statements or paper ones. You’ll also need to provide your mother’s maiden name and select a unique four-digit security passcode to access your account.

The online application includes the option to add up to $10,000 in card security protection to your account for an additional monthly fee.

Once you have read all the terms and disclosures, accept the agreement terms and submit your application.

Synchrony Bank will then run an instant credit check and display an answer about your approval status. This will include your credit limit if your application is approved.

Is the Toys”R” Us Card Right for You?

toys "r" us credit card

If your children — or children-at-heart — go bananas for the newest Toys”R” Us catalog and you’re in the store so often that even Geoffrey the Giraffe knows your name, then the “R” Us Credit Card might be a valuable addition to your wallet.

The weekly discount and rewards points on eligible purchases can add up quickly for regular shoppers, making buying toys almost as fun as playing with them.

For anyone whose gift-buying doesn’t center around toys, the “R” Us Credit Card’s closed-loop limitations and high APR make it a poor choice.

Instead, choose a card that offers perks more useful outside the playroom, such as cashback rewards or interest-free purchases.

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