# 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.

Canonical page: https://cardstack.money/cards/onepay-cashrewards-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Synchrony Bank
- Network: Mastercard
- Annual fee: $0
- Welcome offer: Earn $35 cash back upon approval for a OnePay credit card.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 5x | Walmart groceries |  |
| 5x | Walmart online shopping |  |
| 1.5x | All other purchases | Base earn rate |

## Other benefits

- **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.
- **3% at Walmart without Walmart+**: Unlimited 3% cash back at Walmart in-store and online if Walmart+ is not linked or inactive.
- **1.5% Everywhere Else**: 1.5% cash back on all other eligible purchases where Mastercard is accepted.
- **OnePay Points**: Rewards post as OnePay Points redeemable for cash back in the OnePay app.
- **No Annual Fee**: $0 annual fee.
- **No Foreign Transaction Fees**: No foreign transaction fee on purchases processed outside the U.S.; issuer and network rules still apply.
- **Walmart+ Required for 5%**: Best Walmart earning rate requires an active linked Walmart+ membership; spending analysis assumes the 5% Walmart rate.


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CardStack is an iOS app that automatically tracks your credit card statement credits, benefits, and points so they never expire unused. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863