The Toys "R" Us Credit Card No Longer Exists
Toys "R" Us stopped issuing new credit cards and closed its stores in 2018. If you held a Toys "R" Us credit card before the shutdown, your account was transferred to Synchrony Bank, which managed the card on behalf of the retailer. Synchrony continued to service existing accounts for a period, but the card is no longer available to new cardholders, and the program has been fully discontinued.
If you still have an active Toys "R" Us card, you can continue to use it for purchases at other retailers that accept Mastercard (the card's network), but you cannot use it at Toys "R" Us locations because they no longer operate. Your account statements and payment options remain active through Synchrony until the company closes the program entirely.
Key Takeaways
- Toys "R" Us ceased operations in 2018, and the branded credit card program ended with it.
- Existing cardholders' accounts were transferred to Synchrony Bank for ongoing management.
- The card functions as a standard Mastercard at other retailers but cannot be used at Toys "R" Us stores.
- You can still make payments and manage your account through Synchrony if you hold an existing card.
What Happened to Your Account After the Shutdown
When Toys "R" Us filed for bankruptcy and closed all U.S. stores in 2018, cardholders were notified that their accounts would be managed by Synchrony Bank going forward. Synchrony took over the servicing of all existing credit card balances and accounts. The company sent letters to cardholders explaining the transition and providing new contact information for account management.
If you had an outstanding balance on your Toys "R" Us card at the time of the shutdown, that balance remained your responsibility. Synchrony continued to send monthly statements and accept payments just as the original card issuer had. The interest rate, credit limit, and other terms of your account remained the same unless Synchrony made changes to the program later.
Over time, Synchrony began winding down the program entirely. Some cardholders received notices that their accounts would be closed on a specific date. Others found their cards straightforward stopped working or were closed without advance notice. The timeline for closure varied depending on individual account status.
How to Manage a Toys "R" Us Card You Still Hold
If you still have an active Toys "R" Us card, you can use it anywhere Mastercard is accepted—at grocery stores, gas stations, restaurants, and online retailers. The card works like any other Mastercard and carries the same fraud protections and purchase benefits that Mastercard offers.
To make a payment on your account, contact Synchrony directly. You can pay online through Synchrony's website, by phone, or by mail. Look for your most recent statement for the payment address and phone number, or search for "Synchrony credit card payment" online to find the current payment portal. Payments typically post within one to three business days.
Check your statement regularly to monitor your balance and may support no unauthorized charges appear. If you notice fraud or have questions about your account, call the customer service number on the back of your card or on your statement. Synchrony handles all customer service for remaining Toys "R" Us cardholders.
What to Do If Your Card Was Closed
If Synchrony closed your Toys "R" Us credit card account, you will no longer be able to use the card for purchases. The closure may have happened automatically as part of the program wind-down, or it may have resulted from inactivity or non-payment on your account.
If you had an outstanding balance when your account closed, you are still responsible for paying it. Synchrony will continue to send statements and accept payments on the closed account until the balance is paid in full. Contact Synchrony to confirm your balance and set up a payment plan if needed.
If you believe your account was closed in error or you have questions about the closure, call Synchrony's customer service line. Have your card number or account number ready when you call. The company can explain why the account was closed and discuss your options for paying any remaining balance.
Alternatives to the Toys "R" Us Card
Since the Toys "R" Us credit card is no longer available, you cannot open a new account with this card. If you are looking for a credit card that offers rewards on toy and children's product purchases, you have several options.
General-purpose rewards cards like the Chase Sapphire Preferred or the American Express Blue Cash Preferred offer cash back or points on all purchases, including toys and games. Store cards from major retailers like Target, Walmart, or Amazon may offer discounts or rewards when you shop at those locations. Some cards offer bonus categories for department store purchases, which may include toy sections.
If you want a card specifically tied to a retailer, check whether any toy or children's product stores near you offer branded credit cards. Many regional toy stores and specialty retailers have their own card programs. Compare the interest rates, annual fees, and rewards structures before opening a new account.
Understanding Your Credit Report and the Closed Account
When your Toys "R" Us credit card account closes, it may appear on your credit report as a closed account. This does not when ready harm your credit score, but it can have a small impact over time. A closed account reduces your total available credit, which can slightly increase your credit utilization ratio if you carry balances on other cards.
Closed accounts remain on your credit report for seven years from the date they were closed. During that time, they continue to show in your credit history. After seven years, the account will fall off your report automatically. You do not need to do anything to remove it.
If you had a good payment history on your Toys "R" Us card, the closed account can still help your credit score by showing a record of on-time payments. If you missed payments before the account closed, those missed payments will also remain on your report for seven years and may continue to affect your score.
Frequently Asked Questions
Can I still use my Toys "R" Us credit card?
If your card is still active, you can use it anywhere Mastercard is accepted, but not at Toys "R" Us stores since they no longer operate. If your account has been closed, you cannot use the card for any purchases. Check your most recent statement or contact Synchrony to confirm whether your account is still open.
Where do I send payments for my Toys "R" Us card?
Send payments to Synchrony Bank at the address listed on your statement. You can also pay online through Synchrony's website or by phone. Call the number on the back of your card or on your statement to confirm the current payment address and set up automatic payments if you prefer.
What happens if I still owe money on my closed Toys "R" Us card?
You remain responsible for paying the balance even after the account is closed. Synchrony will continue to send statements and accept payments. If you cannot pay the full balance, contact Synchrony to discuss a payment plan or hardship options that may be available.
Will the closed Toys "R" Us card hurt my credit score?
A closed account has a small impact on your credit score because it reduces your available credit. However, if you had a good payment history on the card, the account will continue to help your score by showing responsible credit use. The account will remain on your credit report for seven years.
Are there other credit cards for toy purchases?
The Toys "R" Us card is no longer available, but you can use general rewards cards at toy retailers. Cards like Chase Sapphire Preferred or American Express Blue Cash offer cash back on all purchases. Some retailers like Target and Walmart have their own credit cards that may offer discounts on toy purchases.