The Toys “R” Us card can be a good option but only if you are sure you will be able to pay off the card balance every month. This card comes with high 26.99% APR and you surely won’t want to carry a balance on this card. If you compare this card with regular rewards credit card, you will see that banks can offer you a credit card on better terms. You can find a credit card with lower APR and with bigger rewards. Also, regular credit cards can be used everywhere they are accepted, not only at Toys “R” Us stores.