Toys "R" Us & Babies "R" Us MasterCard

Editor's Review: The Toys "R" Us & Babies "R" Us MasterCard® is a reward credit card that is issued by Chase. This card was created for those who are interested in obtaining a reward credit card that also have very good credit.

The Toys "R" Us & Babies "R" Us MasterCard® reward credit card is quite attractive to those who frequent Toys "R" Us or Babies "R" Us. Like most reward credit cards, the Toys "R" Us card provides cardholders with rebates from purchases. When the cardholder makes purchases at Toys "R" Us or Babies "R" Us, he or she receives 4 points per dollar spent. Online purchases, however, are not eligible for the program. General purchases also earn 1 point per dollar spent.

After the cardholder has 1000 points, he or she automatically receives a certificate for 10% off a purchase at Toys "R" Us or Babies R Us. Unlike many reward credit cards, there is no limit on the total number of certificates a cardholder can earn, however there is a limit of two certificates per month. The certificates do expire, however, a year after they are issued if they are not used.

In addition to the rewards program, the Toys "R" Us & Babies "R" Us MasterCard® offers cardholders a variety of benefits. For instance, cardholders receive extended warranty for purchases, purchase protection, and fraud and security protection services. They also get auto rental insurance, up to $500,000 in travel accident insurance, and a variety of other travel related services. Cardholders also enjoy emergency cash and card replacement, lost and stolen card reporting, and roadside assistance. Cardholders even have the opportunity to have their personal photo placed on the card, which helps prevent fraud and identity theft.

The Toys "R" Us & Babies "R" Us MasterCard® also provides cardholders with a special introductory offer. During the first six months, cardholders receive a 0% APR for purchases and balance transfers.

The Toys "R" Us & Babies "R" Us MasterCard® reward credit card does not have an annual fee. It is also free to add another cardholder to the account. After the six-month introductory period is complete, the APR reverts back to being variable and based on the Prime Rate. In addition, finance charges are calculated by the less common Two Cycles Average Daily Balance method. This method can be more costly than the Average Daily Balance method, particularly for those who carry a balance on their credit card.