OnePay CashRewards Mastercard
OnePay / Synchrony · Mastercard · no annual fee · earns cash back.
Rates checked against the issuer 2026-10. Foreign transaction fee: not recorded here.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $397, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $397 a year on the illustrative household's spending, which puts it number 30 of 46 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Superstores, Online Shopping, Groceries | 3% | Walmart only · Walmart — 5% with a Walmart+ membership |
| Everything else | 1.5% |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $90 |
| Everything Else | $90 |
| Restaurants & Bars | $54 |
| Gas Stations | $27 |
| Online Shopping | $27 |
| Utilities | $27 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- 5% instead of 3% at Walmart for Walmart+ members
- Applicants who do not qualify are considered for the OnePay Walmart Spend Card instead, which works only at Walmart and has no standard cash back
Similar cards
- Wells Fargo Active Cash — annual fee none
- U.S. Bank Altitude Connect — annual fee none
- U.S. Bank Altitude Go — annual fee none
- Amazon Visa — annual fee none
- Every cash back card, ranked
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.