| Toys "R" Us & Babies "R" Us MasterCard® |
| Reward Formula |
| Rebate Formula | Earn 4% rebate on purchases at Toys R Us or Babies R Us locations
Earn 1% rebates on "other purchases" and on purchases from toysrus.coma and babiesrus.com |
| Cost/Fees/Interest rates |
| Introductory rate | 0% fixed APR for 6 billing cycles (purchases and balance transfers) |
| Annual Fees | No annual fee |
| Purchase APR | Prime Rate plus 6.99%, 10.99% or 15.99% |
| Balance Transfer APR | Prime Rate plus 6.99%, 10.99% or 15.99% |
| Cash Advance APR | Prime rate plus 15.99% for elite and premium pricing
Prime rate plus 19.99% for standard pricing |
| Penalty/Default Rate | Prime Rate plus 23.99% |
| Min Finance Charge | $1.00 |
| Grace Period | 20 days |
| Balance Calculation Method | Average Daily Balance (including new purchases) |
| Balance Transfer Fee | 3% min $5.00 max $75.00 |
| Cash Advance fee | 3% min $10.00 |
| Foreign Currency Conversion fee | 3% |
| Over-the-credit-limit fee | $39.00 |
| Late Payment fee | $15.00 - up to but not including $100.00
$29.00 on balances of $100.00 up to, but not including, $250.00
$39.00 - more than $250.00 |
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