How Do You Get a Toys "R" Us Credit Card?


You can apply for an "R"Us credit card online at or at Toys"R"Us stores, according to the company. New "R"Us credit card accounts and "R"Us MasterCard accounts have no annual fee and a nonvariable annual percentage rate of 26.99 percent, as of 2015.

"R"Us cardholders can choose a one-time discount of 15 percent at Toys"R"Us or Babies"R"Us or special financing for a purchase of $299 or more, indicates Toys"R"Us. Shoppers who have applied for the "R"Us credit card online may use the 15 percent discount within 90 days of opening their accounts. Shoppers who apply for an "R"Us credit card at a Toys"R"Us store may use the 15 percent discount on the day when they open their accounts.

"R"Us credit-card holders automatically enroll in the Rewards"R"Us program, notes the company. Cardholders earn two points for each dollar spent at a Toys"R"Us or Babies"R"Us using their "R"Us credit cards. Cardholders with the "R"Us MasterCard can also receive a point for every $4 they spend elsewhere. After they have acquired 125 points, "R"Us credit-card holders receive $5 in "R"Us Rewards Dollars, which they can spend at Toys"R"Us stores, Babies"R"Us stores, FAO Schwartz stores, or

Synchrony Bank issues the "R"Us credit card and "R"Us MasterCard, states Toys"R"Us. "R"Us credit-card holders can go to to view their statements, pay their bills and update their account information for their "R"Us credit card accounts.