The J.P. Morgan Chase and Company is best known for the financial services it offers to the customers spread over more than 50 countries in the world. The company is well known for its wide range of innovative credit services, including rebate, entertainment, college, non-profit, and cash reward credit cards. The credit card services provided by the Chase Company promises you excellent rewards. One of the most profitable credit cards is the Toys "R" Us & Babies "R" Us MasterCard.

The Key Features

This MasterCard is very beneficial for families with children. The scheme of the card is very lucrative and uncomplicated. For the first six months, the introductory annual percentage rate is 0 percent. When the introductory rate expires, the rate leaps to 15.24 percent, which is applicable on balance transfers and purchases.

There is no annual fee for this card. Application fee, reload fee, participation fee and inactive fee too are non-applicable.

The Rebate System

The lowest possible rebate for this credit card is 1 percent and the highest possible rebate is 4 percent. 4 percent rebate is available on purchases, which are made at the Toys "R" Us & Babies "R" Us stores or at their websites. 1 percent rebate can be availed on the purchases made at the other stores.

When your rebate value reaches $10, Chase rewards you with a certificate, which you can use for making purchases at the Toys "R" Us & Babies "R" Us stores or websites. The maximum amount of points that you can earn in a year is 24000 and your point certificates expire after one year.

The Points System

For every dollar purchase at the Toys "R" Us & Babies "R" Us stores you can earn four points. You can also earn 1 point for a dollar you spend at the other stores. In this way, when you accumulate 1000 points, you can earn a 10 percent savings reward certificate, which is only valid in this type of store. Annually you can earn up to 24, 000 points.

The Perquisites

The manifold facilities provided by the Toys "R" Us & Babies "R" Us MasterCard incorporates auto rental insurance, purchase protection, lost or stolen card reporting services, travel and emergency assistance services, no liability for unauthorized transactions and many more similar services. In case you want your card to be especially secure, then you can have your photo pasted on it.

Nonetheless, you should remember that the card is not ideal for those who plan to carry a revolving balance as they risk accumulating huge financial charges. To benefit most from the card, you should pay in full each month; this way you can avoid unnecessary finance charges and benefit greatly by shopping at the Toys "R" Us & Babies "R" Us stores. All you will need is good credit rating because you will then easily qualify for the lowest rate offered.