How to Apply for a Toys R Us Credit Card

Earn rewards on all your Toys R Us purchases.

Frequent Toys R Us and Babies R Us shoppers earn rewards for purchases and qualify for exclusive discounts when using a Toys R Us credit card. The Rewards R Us credit card and R Us Mastercard are issued by Synchrony Bank and offer a range of benefits for cardholders. Here’s what you need to know to apply and get approved for your credit card from Toys R Us.

Where to Apply for a Toys R Us Credit Card

You can apply for a Toys R Us card online or at a Toys R Us or Babies R Us store. Opening an account online earns you 15 percent off or special financing on the first purchase you make with your new card.

Toys R Us Credit Card and Toys R Us MasterCard Benefits

The Toys R Us rewards credit card and the Toys R Us Mastercard have an interest rate of 26.99% APR for all purchases. The MasterCard is a regular credit card you can use anywhere Mastercard is accepted. You earn rewards on all purchases with either card once your Toys R Us credit card app is approved.

As of October 2017, you earn two points per $1 on eligible purchases at Toys R Us and Babies R Us stores, and one point for every $4 everywhere else MasterCard is accepted. You can use your points toward future purchases.

Related: Best Store Credit Cards

Before You Apply

The credit decision depends in part on criteria like your credit score and the information in your credit report. Whether you apply online or at a store, you’ll need to provide the following information to help Toys R Us confirm your identity and access your credit history:

  • Full legal name
  • Address
  • Primary phone number
  • Email address
  • Annual net income
  • Date of birth
  • Social Security number
  • Driver’s license number

Applying for a Toys R Us Card at a Store

Toys R Us and Babies R Us stores can process your Toys R Us credit card application while you wait and render an instant decision after completing your credit check. Use the Toys R Us store locator to find a local Toys R Us store.

Applying for a Toys R Us Card Online

You can get your credit card approval online if you prefer self-service. Select the “R Us Credit Card” navigation link at the bottom of the Toys R Us homepage, and follow the prompts to complete the application.

The application prompts ask whether you prefer electronic statements or paper ones. You’ll also need to provide your mother’s maiden name and select a unique four-digit security passcode to access your account. The online application includes the option to add up to $10,000 in card security protection to your account for an additional monthly fee. Once you have read all the terms and disclosures, accept the agreement terms and submit your application.

Synchrony Bank will then run an instant credit check and display an answer about your approval status, including your credit limit if your application is approved.

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