Toys R US & Babies R US Mastercard Review | CreditShout

Toys R US & Babies R US Mastercard Review

By Kevin / March 20, 2009

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toysruscreditcard

Verdict: An absolutely great card if you have children or grandchildren and shop at Toys R Us and Babies R Us often. This card earns great rewards if you shop there as well as on other purchases such as groceries. There’s no annual fee, no over the limit fee, and the Toys R Us and Babies R Us Mastercard comes with a 0% Introductory APR for six months on balance transfers. The benefits and low fees this card offers are absolutely great.

Overview:
This card gives you 4 points for every $1 you spend at Toys R Us and Babies R Us stores along with 1 point for every $1 you spend elsewhere. Every 1,000 points can be redeemed for a $10 certificate to the Toys R Us and Babies R Us stores. The benefits sytem on this Mastercard are easy to use and let you save on items you love like strollers, children’s clothes, and toys.

How This Card Works:
This card starts by giving you a 0% introductory APR on balances transfers. In addition, you get 10% off your first purchase at Toys R Us or Babies R Us. The Toys R Us Mastercard also earns you 4 points for every $1 you spend at the two stores and 1 point for every $1 you spend at other eligible places like the grocery store. When you reach 1,000 points you receive a $10 certificate.

Travel and Shopping Benefits:

This card has absolutely great shopping benefits if you shop at Toys R Us or Babies R Us, making this card ideal for grandparents and parents. You earn 4 points for every $1 you spend at the two stores, along with 1 point for every $1 spend on other eligible things like gasoline and groceries. When you obtain 1,000 points you may trade them in for a $10 certificate good at the two stores. That means for every $250 dollars you put on your card at Toys R Us and Babies R Us you’ll receive a $10 gift card.

Fees:
Although the Toys R US Mastercard has a relatively high APR, the fees are overall very good. There’s no annual fee or over the limit fee. This card also includes a 0% introductory APR on balance transfers up to six months. The variable APR is 19.24%, while the variable default rate is 27.24%. There is a 20 day grace period in which to pay your bill. Late fees are $15 if your balance is $99.99 or below, $29 for balances between $100.00 and $249.99, and $39 for balances of $250.00 or greater.

Pros:

  • Great and easy to use benefits for shoppers at Toys R Us and Babies R Us
  • 0% introductory APR on balance transfers for 6 months
  • No annual fee
  • No over the limit fee
  • 10% off your first purchase at Toys R Us or Babies R Us

Cons:

  • Grace period is only 20 days
The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone.Additionally, the opinions of the commenters are not necessarily the opinions of this site

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