Online bill payment for the "R"Us credit card is available at the Toys"R"Us account management website. After setting up login data, cardholders have access to recent account activity and monthly statements, and they can activate alerts for automatic notification when new bills are ready.
As of 2015, the "R"Us card is a no-annual-fee MasterCard, so it can be used for purchases from retailers outside the Toys"R"Us network. When opening an account, cardholders can choose to receive a 15 percent discount or a special financing agreement with a qualifying minimum purchase, which delays interest charges for six to 12 months. While opening an account in a store results in an immediate discount, online signup gives cardholders a 90-day grace period.
With the rewards program, shoppers earn two points for every $1 spent at Toys"R"Us or Babies"R"Us and one point for every $4 spent at other retailers. However, purchases made with special financing aren't eligible for points. Making qualifying purchases in Toys"R"Us stores on Thursdays earns a 10 percent discount, and account holders have a chance of receiving additional discounts from purchases made directly through their Babies"R"Us registry. Cardholders receive early notice of upcoming sales, and they have exclusive access to members-only promotions.