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 March 12, 2018
Updated on March 12, 2018
The content is accurate at the time of publication and is subject to change.
James Williams 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® Cash Back has the 0% intro APR period that lasts for 14 months (when the introductory interest rate is over, the ongoing APR will apply). 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.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

User Comments about This Question


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There is a credit card for any credit and for any purpose. Whether you want to start building your credit from scratch or earn rewards on purchases, save on gas or travel for free, you can find a good credit card offer for that.