With more than 800 stores in the US, toys rus is among the largest toy retailers, not only in the US but also in the world. The retailers have more than 1000 international stores. also, there are so many credit cards available today to use at any store.rus credit card is one of the famous credit card out of them. The rus credit cards are issued by Synchrony Bank.
Types of card
There are two types of card;
- rus credit card
- rus platinum Mastercard
The rus credit card is best for consumers making purchases only at Rus or Toy rus stores while the platinum Mastercard is ideal for Any other type of payment as it can be used anywhere Mastercard is accepted.
Benefits of using rus credit card
There are various benefits of using rus credit card among them the fact that you can use the MasterCard anywhere globally, where MasterCard is accepted.the credit card is accepted both at babies rus and toy rus stores.
The other benefit is that you get a fifteen percent discount on your first purchase. Also, you also get no interest on purchases made over $299 for six months. And to those using rus credit card bill pay, you also get 2 points for every dollar spent.
Things get better on Thursday as you get a ten percent discount and ten percent off a purchase from your rus registry. This is a special feature until February 2018. Customers also have access to great deals of special promotions. For the platinum Mastercard, customers one point for every 4$ spent.
Available Alternatives
Yes, there may be lots of credit card reward programs, but none would match the benefits accrued to those of rus credit card. The frequent shoppers best feel full benefits of the cards. However, the Platinum MasterCard may not provide many much benefits when buying outside the rus stores.
Considering that you only get one point on every 4$ spent, it would only be fair to conclude that getting another credit card that will provide lower APR and better rewards might be a good idea.
How to make payment using rus credit card
The rus credit card service provides an easy payment platform. You can choose one of the below methods to make payment;
- Online
- By mail
- By phone
Customers get 23 days after the billing cycle end to make their payments. For better rus credit card service, it’s good for customers to pay in full by the due date to avoid incurring interest charges.
The Charges
With both the rus credit card and the MasterCard, both have same APR of 26.99%. Both will have a late payment fee of $37. Both do not have an annual fee.
The MasterCard allows customers to take cash advance with an APR of 29.99% with a one-time fee of 4% or $10, whichever is greater.
Synchrony, the card issuer also offers a security program of $1.66 per $100 of balance done monthly. The security program also gives the holders ability to cancel minimum balance or payments of up to $10,000 in the event of a leave of absence, disability or loss of life, unemployment or when nursing home stay.
Conclusion
The rus credit card customer service is always there to handle any issues and complaints the customers have, and hence you will feel safe using the card. With the 8% effective rewards, rus credit card applies much more than you would think. The rewards also act as an attractive alternative to paying using cash.if you have a bad credit history and cant apply it then, you can go with Surge Credit Card .