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Babies R Us Credit Card Review

Written by Mike Pearson
Updated June 10, 2023

Babies R Us Credit Card offers an opportunity for new parents to earn rewards as they shop for their little ones. Designed with frequent Toys “R” Us and Babies “R” Us shoppers in mind, this rewards card comes with both perks and downsides. In this review, we will delve into the card’s features, reward program, and overall user experience, helping families decide if this card is a good fit for them.

While the Babies R Us Rewards Card program provides a platform to accumulate rewards such as free diapers, formula, or $5 coupons, it is important to note that it takes time to build up these incentives. Additionally, some reviewers have found the program somewhat confusing and encumbered by red-tape. In the upcoming discussion, we will breakdown the card’s benefits and drawbacks, as well as offer tips for making the most of your Babies R Us Credit Card.

With the card being affiliated with Synchrony Bank, customers can expect a reliable financial institution behind their purchases. As the largest issuer of private label credit cards in the U.S., Synchrony Bank assures security and accessibility for cardholders. In the following article, we will explore this partnership further and how it affects the Babies R Us Credit Card experience.

Babies R Us Credit Card Overview

Card Issuers: Synchrony Bank and Mastercard

The Babies R Us credit card is a rewards card backed by Synchrony Bank and Mastercard. This card is designed for frequent shoppers at Toys R Us and Babies R Us stores. The card’s issuer, Synchrony Bank, uses credit history and scores obtained from the three major credit bureaus to evaluate applicants.

Rewards Program

The Babies R Us Rewards Card offers its cardholders a loyalty program that can help them earn points and discounts:

  • Free Membership: The rewards card is a free program that allows you to earn rewards based on your spending at Babies R Us or Toys R Us stores.
  • Discounts and Rewards: Cardholders accumulate points based on their purchases. These points can be redeemed for free items and money-off coupons.

However, it’s important to note that Babies R Us store prices might be higher compared to other retailers that sell baby products, which could affect the value of the rewards.

Credit Requirements

When applying for the Babies R Us Credit Card, applicants should be aware of the credit requirements. A good credit score is generally needed to qualify for the card. It is always best to review your credit score and credit report from the major credit bureaus before applying. This will help ensure that your credit is in good standing and increase your chances of approval.

Rewards and Savings

Earning Points and Cash Back

The Babies R Us Rewards card allows you to earn points on every dollar spent at Toys R Us and Babies R Us stores. These points can be redeemed for valuable rewards such as free diapers, formula, or $5 coupons. It is important to note that the card has no annual fee, making it a cost-effective choice for new parents. Additionally, cardholders can benefit from interest savings if they pay their balance in full each month.

10% Off Thursdays

As a Babies R Us Rewards card member, you can take advantage of 10% off on Thursdays. This exclusive cardholder perk allows you to receive a discount on eligible purchases made at Toys R Us and Babies R Us stores. Be sure to remember this benefit and shop on Thursdays to maximize your rewards.

Special Financing and Promotional Periods

The Babies R Us Rewards card also offers special financing opportunities. Cardholders may be eligible for 0% intro APR on select purchases during promotional periods. This allows you to make more significant purchases without worrying about accruing interest during the initial months. To avoid unnecessary interest charges, pay off the purchase balance before the promotional period ends.

In conclusion, the Babies R Us Rewards card is a valuable financial tool for new parents. While it requires some effort to navigate the program and accrue rewards, the card offers numerous perks, such as earning points, cash back, 10% off Thursdays, and special financing options. Make sure to pay your balance in full each month to avoid interest charges and maximize your savings.

Fees and Interest Rates

Annual Percentage Rate (APR)

The “R”Us Credit Card comes with an APR of 26.99% for purchases. The relatively high-interest rate could result in significant interest charges if cardholders fail to pay off their balances in full each month. This APR applies to the card’s utilization and purchases made within the Toys “R” Us store.

Balance Transfers and Cash Advances

This card does not offer balance transfers as an option. For cash advances, the card comes with a fixed APR of 29.99%. Additionally, a cash advance fee of 4% of the advance amount or $10 (whichever amount is greater) applies to all cash advance transactions.

Other Fees and Charges

Apart from the interest rates, there are other charges and fees on the “R”Us Credit Card:

  • Minimum interest charge: $2.00
  • Late payment penalties: $37

It is important for cardholders to be aware of these fees and charges to avoid accumulating additional costs. By making timely payments and avoiding cash advances, cardholders can minimize the impact of these fees on their overall financial health.

Additional Card Features and Benefits

Baby Registry and Selection

The Toys ‘R’ Us credit card is an excellent choice for new parents, as it offers a comprehensive baby registry service. This service allows expectant parents to create a list of items they need for their upcoming baby, making it easy for friends and family to purchase gifts. The wide selection of baby essentials, toys, and nursery items at Toys ‘R’ Us and Babies ‘R’ Us ensures that parents can find everything they need under one roof.

Discounts on Diapers and Formula

Using the Toys ‘R’ Us credit card, parents can benefit from regular discounts on diapers and baby formula. This helps to ease the financial burden on new parents, as these necessities can be expensive. By earning rewards based on their spending, cardholders can redeem these rewards for further discounts on essential baby products.

Gas and Groceries Savings

By using the Toys ‘R’ Us credit card for everyday purchases like gas and groceries, cardholders can accumulate more rewards. These rewards can then be used on future purchases at Toys ‘R’ Us and Babies ‘R’ Us stores. This can help families save money on their regular expenses while earning additional perks for shopping at Toys ‘R’ Us and Babies ‘R’ Us.

Drawbacks and Customer Experience

Challenges Faced by Toys R Us in Bankruptcy

Toys R Us, the parent company of Babies R Us, filed for bankruptcy in 2017, which led to the closure of many stores. The “R Us” credit card holders were affected during this time, as some card benefits were unavailable. Chase, the issuing bank for the “R Us” credit card, had to discontinue the card in light of these challenges. Customers who were using this credit card faced inconvenience as they had to look for other options for shopping and rewards.

Customer Service Complaints

The “R Us” credit card has had various customer service complaints. Some of these issues include difficulty making payments at the store, which can contribute to high-interest rate charges if not handled promptly. This card’s interest rate is known to be quite hefty, sometimes reaching up to 20%, making any payment issues even more significant for cardholders. The combination of payment inconveniences and high-interest rates can result in an unfavorable customer experience for many cardholders.

Identity Theft and Security Concerns

Identity theft and security concerns are also relevant to the “R Us” credit card. In some cases, customers have reported unauthorized charges on their cards, citing inadequate security measures. Furthermore, the use of social security numbers in the application process can raise concerns for potential cardholders who worry about the protection of their personal information. This issue is particularly concerning for new parents who might be more focused on the safety and well-being of their family, making them cautious about sharing such data.

Alternatives to Babies R Us Credit Card

While the Babies R Us Credit Card may have some benefits, it’s always good to evaluate alternative options. This section will discuss a few different kinds of credit cards: Other Store Credit Cards, Cash Back Cards, and Cards with Introductory Offers.

Other Store Credit Cards

There are many other store credit cards that may offer better rewards and payment options. For instance, Citi offers a variety of store-branded cards with better benefits, including bonus rewards, especially for those with good or excellent credit. It’s essential to compare different store credit cards and their features, like their reward structures, before making a decision. Here is a list of several store credit cards that may be more suitable:

  • [Store Card 1]
  • [Store Card 2]
  • [Store Card 3]

Cash Back Cards

Cash Back Cards could also be a better option compared to the Babies R Us Credit Card. These cards generally offer cashback on purchases, and some even have special bonus rewards categories. They often come without an annual fee and provide great flexibility in redeeming rewards. We’ve listed a few solid cashback card options for people with good or excellent credit:

  • [Cash Back Card 1]
  • [Cash Back Card 2]
  • [Cash Back Card 3]

Cards with Introductory Offers

Another alternative to the Babies R Us Credit Card is to consider cards with introductory offers. These cards often come with low or no interest rates for the first few months, allowing users to save money potentially. Some cards even have bonus rewards if a certain spending threshold is met within a specific timeframe, like Christmas. Keep in mind, though, that introductory offers can only be availed if the user has a good payment history and a decent credit score. Some options for cards with excellent introductory offers are:

  • [Introductory Offer Card 1]
  • [Introductory Offer Card 2]
  • [Introductory Offer Card 3]

When exploring alternatives, always remember to read the advertiser disclosure and thoroughly research each card’s pros and cons. It’s essential to avoid cards with high fees or reputation for being horrible in terms of customer service, reward structures, or billing practices.

Frequently Asked Questions

What are the benefits?

The Babies R Us Rewards card offers various rewards for shopping at Toys R Us and Babies R Us stores. Cardholders can accrue valuable rewards, such as free diapers, formula, or $5 coupons. The card provides 2X points per $1 spent on eligible Toys R Us purchases. However, it’s essential to note that the program can be a bit confusing and include some red-tape.

How to apply?

To apply for the Babies R Us Rewards card, visit the Babies R Us or Toys R Us website, where you will find information on the application process. You may also apply in-store at any Babies R Us or Toys R Us location.

Any specific credit score required?

While there is no specific credit score requirement mentioned for the Babies R Us Rewards card, having a good to excellent credit score will increase the chances of being approved. It is recommended to check your credit score before applying.

Is it accepted everywhere?

The Babies R Us Rewards card can be used at all Toys R Us and Babies R Us locations. However, it may not be accepted outside of these stores, as it is a store-specific credit card.

How to make payments?

Payments for the Babies R Us Rewards card can be made online through the card issuer’s website or by mail. Always check the due date on your monthly statement and make payments accordingly to avoid late fees and interest charges.

Contact number for support?

For any questions or concerns related to your Babies R Us Rewards card, you can contact the customer support team. You will find the contact number on the back of your card or on the card issuer’s website.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.