Toys "R" Us Credit Card No Longer Exists
The Toys "R" Us credit card is no longer issued. Toys "R" Us filed for bankruptcy in 2017 and closed all U.S. stores by 2018. The credit card program ended with the company's closure, so you cannot open a new Toys "R" Us card today.
If you held a Toys "R" Us credit card before the shutdown, your account may still exist in a dormant state, but you cannot use it to make new purchases. The card was issued through Synchrony Bank, which managed the account servicing. If you still have questions about an old account, Synchrony is the entity that would have records.
Toys "R" Us has since reopened a limited number of physical locations and launched an online store under new ownership, but neither operation has reinstated a branded credit card program.
Key Takeaways
- The original Toys "R" Us credit card ended when the company closed all stores in 2018 and is not available today.
- Synchrony Bank managed the card accounts and would hold any records of old accounts you may have held.
- The new Toys "R" Us locations and online store do not offer their own credit card.
- You can use any major credit card (Visa, Mastercard, American Express, Discover) to shop at the current Toys "R" Us online store.
What Happened to Existing Cardholders
If you had an active Toys "R" Us credit card when the company closed, Synchrony Bank notified cardholders by mail about the account status. Most accounts were closed, though some were converted to general Synchrony credit products. The exact outcome depended on your account history and the timing of the closure.
If you had an outstanding balance on your card, you were required to continue making payments to Synchrony even after the Toys "R" Us brand ceased operations. Synchrony would have sent you statements and payment instructions. If you no longer have those statements, you can contact Synchrony directly to locate your account and confirm whether any balance remains.
How to Find Out About an Old Account
To learn whether you still have an active account or outstanding balance, contact Synchrony Bank directly. You can reach Synchrony's customer service by calling the number on any old statement you still have, or by visiting Synchrony's website and using their account lookup tool.
Have your Social Security number and the approximate date you opened the card ready when you call. Synchrony will ask you to verify your identity before discussing account details. If the account was closed years ago and you have no balance, Synchrony may have limited records, but they can confirm the account status.
Using Other Cards at Today's Toys "R" Us
The current Toys "R" Us online store and physical locations accept all major credit cards: Visa, Mastercard, American Express, and Discover. You can also pay with debit cards, PayPal, and other digital payment methods depending on where you shop.
If you prefer to earn rewards while shopping for toys, you can use a general-purpose rewards credit card instead. Many cards offer cash back or points on all purchases, including toy and retail spending. This gives you more flexibility than a single-brand card would have, since you can use the same card anywhere.
Why Retailers Shut Down Credit Card Programs
Toys "R" Us did not close its credit card because the card itself was unprofitable — it closed because the entire company went bankrupt. When a major retailer shuts down, its credit card program typically ends with it, since the card's main purpose was to drive sales at that retailer's stores.
Even when retailers survive, they sometimes discontinue their branded cards. Running a credit card program requires partnerships with banks, compliance with federal lending rules, and customer service infrastructure. For a retailer, it is often simpler to accept major credit cards and let customers use their own cards instead.
Frequently Asked Questions
Can I still use my old Toys "R" Us card?
No. The card was deactivated when the company closed. Even if the physical card still exists in your wallet, merchants will decline it if you try to use it. If you had an outstanding balance, you would have received payment instructions from Synchrony.
Do I owe money on an old Toys "R" Us card I forgot about?
If you had a balance when the account closed, yes — you may still owe it. Contact Synchrony Bank with your Social Security number to check your account status. Unpaid balances can affect your credit report, so it is worth confirming whether you have an outstanding debt.
Is there a new Toys "R" Us credit card I can open?
No. The current Toys "R" Us stores and online shop do not offer a branded credit card. You can use any Visa, Mastercard, American Express, or Discover card to make purchases.
Where do I send payments if I still owe on my old card?
Contact Synchrony Bank to confirm your account status and get current payment instructions. Do not send payments to a Toys "R" Us address, since the company no longer operates. Synchrony will provide you with the correct mailing address or online payment portal.
Will paying off an old Toys "R" Us card balance help my credit score?
Yes. Paying off any outstanding debt improves your credit profile. Once the balance reaches zero, Synchrony should report it as paid to the credit bureaus, which can help your score over time.