I like the special financing offer on the toys r us cards, but I also want to earn rewards. Is it possible to have both?
Answered on Monday, March 12th, 2018 by
James Williams

Unfortunately, it is made clear by the Toys “R” Us rules that special financing purchases don’t earn rewards. So, you can’t have it both ways. Besides, Toys “R” Us special financing offer is basically deferred financing, meaning that if you don’t pay off your debt by the end of the intro period, you’ll have to pay all the interest for all the period and not only what is left.
However, the good news is that there are cards that offer both 0% intro APR and rewards. For example, the Discover it Cashback Match has the 0% intro APR period that lasts for 14 months and is no deferred – so if you don’t make it until the end of the period, you’ll only have to pay the interest for the remainder of the debt. And you can also earn rewards with this card, 1% cash back for all purchases and 5% in selected categories that change each quarter (up to the quarterly maximum and if you activate). You can use this card anywhere and rewards never expire.

Other Popular Low Rate Card Offers FAQs

Yes, the Pilot RV card is not a credit card. It is a charge card, that means that you have to pay off the balance each month anyway. If you don’t do it, you’ll face high fees and may lose the card. You get a credit limit each month, so you can make purchases for this amount and then pay off. If you are diligent with your payments, then this card is ok for you, but if you are not sure, then there’s no reason to get the card.

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Torrid Card’s APR on Purchases is about 26.24% with no intro period and Lane Bryant offers even higher regular APR – 28.24%. As both cards are not the best choice for regular shopping (high APR and rewards limited by particular stores) we advice you to get a general cash back credit card. You can find […]

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