The Toys R Us credit cards come with the same perks and features as the Rewards R Us loyal shopper membership, but they include a few more. ToyRus credit cardholders can earn 2 points for every $1 spent. Toys R us MasterCard holders can earn 1 point for every $4 spent anywhere besides Toys R Us.
Toys R Us is the most popular and well-known toy store in the country. The juvenile product retailer was founded in 1948 and is headquartered in Wayne, New Jersey. The company operates nearly 900 Toys R Us and Babies R Us locations. Due to its partnership with Synchrony Bank, the toy store chain has been able to provide shoppers with the ToysRUs credit card.
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I purchased a gift card online in Ebay with my ToysRus/BabiesRus credit card on April 18th, and two days ago, I found I was charged by the credit company for $10 because my transaction was deemed by credit company as a cash advanced transaction, that results in this $10 fee and also results additional .84 interest fee. I called ToysRus/BabiesRus credit card service line, and I was told that any gift card purchase with ToysRus/BabiesRus credit card is automatically flagged as cash advance transaction, hence leads to the $10 fee and its associated interest fee. While I also used this card purchased another gift card in ToysRus local store, which did not bring any additional fee. Then the customer service lady told that it is because ToysRus store is with the same company as the credit card company. This never happened to me with other credit card company!