Not only does this card help you earn four points for every dollar you spend in a Toys "R" Us or Babies "R" Us store, it also helps you to earn a point for every single dollar you spend on the card period. That means that whether you're buying groceries or filling up the car to take the kids to a museum, you're earning the rewards you need to keep your kids rolling in the things they love. Just one thousand points means savings certificates to either store, and you can earn up to two savings certificates per month. Those kinds of discounts can add up in a hurry, and they're certain to help you make all of those necessary purchases for your baby or your older child.This card is great for the rewards alone, but the terms of the card are also very attractive. There's no annual fee, and you'll enjoy a 0% APR on your purchases for the first six months that you own the card. You'll also have a 0% APR on all balance transfers during the first six months. After the six month introductory period, your APR will move to just 15.24%, better than most other cards on the market today. That low rate applies to your balance transfers as well. Should you ever need to use the card for cash, you don't have to worry about exorbitant fees or rates there either. You'll enjoy just a 24.24% APR on cash advances. If your little one needs to visit the ER in the middle of the night, don't hesitate to get cash at an ATM to cover the bills.There's a twenty day grace period for repayment of all purchases, and the card itself is sponsored by Chase Bank, the leading name in credit cards today. You know you're going to spend money on your kids at Toys "R" Us and Babies "R" Us anyway, let the Toys "R" Us and Babies "R" Us MasterCard help you save money while doing so.