| 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 |