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Synchrony BankMastercard
OnePay CashRewards Card card

OnePay CashRewards Card

Earn unlimited 5% cash back at Walmart with Walmart+, 3% at Walmart without, and 1.5% on everything else. No annual fee.

🎁
Welcome Offer
Earn $35 cash back upon approval for a OnePay credit card.
Annual Fee
$0

Earning Rates

5x
Walmart groceries
5x
Walmart online shopping
1.5x
All Other Purchases
Base earn rate

Other Benefits

Benefit

5% at Walmart with Walmart+

Unlimited 5% cash back (OnePay Points) at Walmart in-store and online when you have an active Walmart+ membership linked to the card.

Benefit

3% at Walmart without Walmart+

Unlimited 3% cash back at Walmart in-store and online if Walmart+ is not linked or inactive.

Benefit

1.5% Everywhere Else

1.5% cash back on all other eligible purchases where Mastercard is accepted.

Benefit

OnePay Points

Rewards post as OnePay Points redeemable for cash back in the OnePay app.

Card Terms

No Annual Fee

$0 annual fee.

Global

No Foreign Transaction Fees

No foreign transaction fee on purchases processed outside the U.S.; issuer and network rules still apply.

Benefit

Walmart+ Required for 5%

Best Walmart earning rate requires an active linked Walmart+ membership; spending analysis assumes the 5% Walmart rate.

Learn More

Best Cards By Category

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