Toys "R" Us Credit Card Review
 

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. However, at the end of the review, we will suggest an alternative card that also allows you to earn 4% rebates but having the flexibility to use your rewards elsewhere.

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.

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.

But the problem with this card (as with all retail store cards) is that you only earn extra rewards when you shop at Toys R Us and can only use their rewards there. But chances are that you shop at many places and would like a card that can earn yourself rewards at other shops as well. The Chase Freedom® MasterCard has a reward program called Ultimate Rewards and Toys R Us are one of their gift card partners. You can exchange points you have earned from the card for Toys R Us gift cards.