How to Make a Toys R Us Credit Card Payment: Online, Phone or Mail

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Toys R Us is one of the world’s largest toy retailers with more than 864 stores in the U.S. and its territories, and more than 1,005 international stores at its height. The company operates under two brands: Toys R Us, which has been selling toys and games since 1948, and Babies R Us —the nation’s largest retailer of baby products.

The company is liquidating its stores due to the pandemic and has become an online retailer. Like most stores of this kind, the Toys R Us brand offers its customers reward points and a store credit card.

In this article, we will go over how to pay the Toys R Us credit card, how to access the account online, how to manage the credit card account —provided by Synchrony Bank (NYSE:SYF)— and review some of the main valuable benefits.

What Is The Toys R Us Credit Card?

The Toys R Us credit card can be used at any of the Toys R Us or Babies R Us locations worldwide, as well as online. The card is issued by Synchrony bank and there are two types available: the R Us MasterCard platinum and the R Us credit card.

The Toys R Us credit card can be used only for purchases at Toys R Us or BabiesRUs stores, while the platinum MasterCard can be used anywhere MasterCard is accepted.

Like any other store credit card, the Toys R Us credit card offers rewards and a credit card spending bonus. For every dollar spent in the store, you earn one point. By earning 125 points, Toys R Us members receive $5 store credit.

Customers with a BabiesRUs registration can earn up to 10% on purchases through the Endless Earnings program. All members are also enrolled in Geoffrey’s Birthday Club, which awards special promotions on the member’s birthday.

Online Account Access

To manage and pay your credit card online, you need to have an account online and access it.

Toys R Us Credit Card Login

The Toys R Us credit card login is on, where you have to click on “Manage Account” and enter your user ID and password. Also, you can use the Synchrony bank login page.

Toys R Us Mastercard Credit Card Services

The R Us platinum MasterCard and the R Us Mastercard have the same annual percentage rate (APR) for purchases at 26.99%. There is no annual fee for either card, and each has a late payment fee of up to $37.

MasterCard allows its users to take a cash advance, which has an annual percentage rate of 29.99% and a one-time fee of $10 or 4%, determined by whichever is greater.

Toys R Us Bill Pay Phone Number

As a store credit card holder in Toys R Us, and if you want alternative payment methods such as an account online to access through the credit card login, you can pay by phone and dial (1)-855-389-2359. This line works for both the Us Mastercard and the Us store credit card.

Toys R Us Credit Card Payment Address

To make payments by post, you must send them to:

Toys R Us / Synchrony Mastercard

R Us Mastercard

P.O Box: 530938

Atlanta, GA 30353-0939

There is more detailed information below.

Customer Service Hours

The Toys R Us support team is available 24/7, and the best time to call is 9:30 am.

What Happened To Your Toys R Us Credit Card?

The company filed for bankruptcy nearly three years ago and closed its last two Toys R Us stores in the U.S. in late January. Toys R Us is now becoming an online retailer exclusively, given the Covid pandemic.

If you’re an R Us credit card holder, you can continue using it through the end of the liquidation sales but will win no rewards points or have access to discounts. Toys R Us won’t receive any new store card applications.

Toys R Us Card Is Now A Synchrony Mastercard Credit Card

The Toys R Us store card became a Synchrony Mastercard now. This means that the card sports the bank’s branding and operates through its platform.

How To Make A Toys R Us Credit Card Payment

There are several ways to pay your Toys R Us credit card, as explained below.


To make an online Toys R Us payment, just log in, then click “Payments” and then “Make a Payment.” you can select the payment amount, date, and the checking account of your choice to pay from. After reviewing your payment, just click on “Submit.”

By Phone

The Toys R Us Mastercard —and Synchrony Mastercard— customer service number to make payments is 1-855-389-2359. For the Toys R Us store card, the number to call is 1-855-389-2365.

By Mail

Just send a check or money order to:

Synchrony Bank

P.O. Box 960061

Orlando, FL 32896-0061

For Visa cards and Mastercards, send payment to:

Synchrony Bank

P.O. Box 960013

Orlando, FL 32896-0013

Via the Mobile App

You can make a Toys R Us credit card payment via the MySynchrony app by downloading it —if you don’t have it— logging in and going to “payments.”


Who Took Over Toys R Us Credit Card?

The Toys R Us credit cards are managed by Synchrony Bank, “a solid online bank with competitive interest rates on savings, money market, and CD accounts. It is a good option for consumers who are happy with their current checking account but want to earn a higher rate of interest on their savings.”

Does Synchrony Credit Card Have an Annual Fee?

As of February 2022, Synchrony credit cards —including the Synchrony Mastercard— have a $0 annual fee plus a 2% cashback.

Can You Still Use Toys R Us Gift Cards?

Given the clearance sales and its liquidated stores, Toys R Us no longer accepts gift cards. However, you can use them at Michael’s and Kmart —Sears Holdings Corp (OTCMKTS: SHLDQ)— stores.

Final Thoughts

Despite the company fully going online, the R us card is for those who love to buy new toys for their babies. You won’t be awarded any rewards points anymore, but you will have the convenience to pay for company products. For years, any Toys R Us credit card holder benefited from excellent credit and exclusive discounts on purchases.