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Which Toys "R" Us Credit Card, Baby GAP Credit Card or other Baby Store Credit Card Should I Get?
 

The Toys "R" Us & Babies "R" Us MasterCard® was last reviewed on 6th March 2008. Summary - The Toys "R" Us & Babies "R" Us MasterCard® will appeal to those who shop very frequently at either Toys R Us or Babies R Us as you can earn 4 points for every dollar that you spend at these outlets. These rebates are used to redeem for 10% saving rewards certificates that can be used at any Toys R Us or Babies R Us outlets. Find out more..... Rebate Formula - The Toys "R" Us & Babies "R" Us MasterCard® allows you to earn 4 points for every dollar you spend when you make any purchase from Toys R Us or Babies R Us outlets. You earn 1 point for every dollar you spend on other regular purchases. Once you have earned 1,000 points, you will be given a 10% discount saving rewards certificate which can be used at Toys R Us or Babies R Us locations or at toysrus.com or babiesrus.com. You can earn up 24,000 points in one calender year (2 discount certificates in a month). Fees - The Toys "R" Us & Babies "R" Us MasterCard® has no annual fee. There APR is either Prime Rate plus 6.99%, 10.99% or 15.99%. You get an introductory 0% APR on both purchases and balance transfers for 6 billing cycles. The average daily balance method (including new purchase) is used to calculate monthly balances. Verdict - The Toys "R" Us & Babies "R" Us MasterCard® will appeal to those who shop a lot at either Toys R Us or Babies R Us outlets. I suspect this will include most mums who find that they are always shopping at these places. With this card, you will be able to earn rebates and gift certificates and save even more money when you shop at Toys R Us. Note : We are no longer offering this card. Positives Earn 4 Points for every dollar spent at Toys R Us or Babies R Us No annual fee 0% apr on purchases for six billing cycles Negatives Rebates expire 1 year after they are issued Toys "R" Us & Babies "R" Us MasterCard® Reward Formula Rebate Formula Earn 4% rebate on purchases at Toys R Us or Babies R Us locations Earn 1% rebates on "other purchases" and on purchases from toysrus.coma and babiesrus.com Cost/Fees/Interest rates Introductory rate 0% fixed APR for 6 billing cycles (purchases and balance transfers) Annual Fees No annual fee Purchase APR Prime Rate plus 6.99%, 10.99% or 15.99% Balance Transfer APR Prime Rate plus 6.99%, 10.99% or 15.99% Cash Advance APR Prime rate plus 15.99% for elite and premium pricing Prime rate plus 19.99% for standard pricing Penalty/Default Rate Prime Rate plus 23.99% Min Finance Charge $1.00 Grace Period 20 days Balance Calculation Method Average Daily Balance (including new purchases) Balance Transfer Fee 3% min $5.00 max $75.00 Cash Advance fee 3% min $10.00 Foreign Currency Conversion fee 3% Over-the-credit-limit fee $39.00 Late Payment fee $15.00 - up to but not including $100.00 $29.00 on balances of $100.00 up to, but not including, $250.00 $39.00 - more than $250.00 Apply for the Chase FreedomSM Credit Card