When you apply for the "R"Us MasterCard credit card, you may not get approved for it if your credit is not good enough. If that is the case, then you may be approved for just the store card. Key question is: what is the difference between the store card and the MasterCard?
The first obvious difference is that the store card can only be used at Toys R Us or Babies R Us, unlike the MasterCard, which can be used anywhere. And because you are limited to where you can use it, you will not be able to rack up as many points as you like.
The second difference is that you will not earn any points if you use the card for any store financing promotions.
But aside from that, the reward formula remains the same.
That means that you can still earn four points per dollar on eligible purchases. And that includes V.I.B. (Very Important Baby) card loads and all gift cards, video games, video game hardware, video game accessories, Apple products, diapers, wipes, formula and food purchases (unlike just being a "R"US member).
Like the MasterCard, you can also earn up to $150 in reward dollars a month (recall that it is mailed to you every month - takes about 8 weeks to arrive though). Anything you earn in excess of this is rolled over to the next month.
Now that we've covered both the store card and MasterCard, let's look at how you can maximize your earnings at Toys R Us.