Synchrony
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OnePay CashRewards Card
Synchrony

OnePay CashRewards Card

Annual Fee
No Annual Fee
Points Currency
Cash Back
Base Value
1.00¢/pt
Best For
Walmart
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Best Categories for This Card

3.00%
effective

Walmart

3x Cash Back

3% at Walmart and Walmart.com (5% with a Walmart+ membership)

1.50%
effective

All Other Purchases

1.5x Cash Back

Complete Rewards Breakdown

CategoryMultiplierTypeCapEffective Return
WalmartMerchant3xOngoing—3.00%
Everywhere else
1.5xOngoing—1.50%

Card details

Network
Mastercard
Credit usually needed
Good (about 670+)
Last verified
Oct 11, 2026

Pairs well with

Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →

Citi Strata Premier℠ Card
+$550/yr
Capital One Venture Rewards Credit Card
+$541/yr
American Express® Gold Card
+$396/yr

Want more details?

Fees, benefits, and current offers change frequently. Visit Synchrony’s official page for the most up-to-date terms straight from the issuer.

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