OnePay CashRewards Card
No annual fee, earning Cash, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The OnePay CashRewards Card is a no annual fee card from Synchrony Bank earning Cash. It earns 3x on walmart and 1.5x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Synchrony Bank advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Walmart | 3x | |
| Other | 1.5x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Walmart+ 5% Cash Back BoostEarn 5% cash back at U.S. Walmart stores and Walmart.com (instead of the standard 3%) when you link an active Walmart+ membership to your OnePay account. Walmart+ is a paid membership sold separately by Walmart. The boost applies for as long as the membership stays active and linked — if it lapses, the Walmart rate reverts to 3%. | Once a year | — |
| No Foreign Transaction FeesNo foreign transaction fees on purchases made outside the United States. Non-USD transactions are converted to U.S. dollars using the exchange rate in effect on the transaction or processing date. | Once a year | — |
| Free Credit Score MonitoringFree credit score monitoring available in the OnePay app at no additional cost. | Once a year | — |
| Mastercard World BenefitsThe card is issued on the Mastercard World tier, which carries Mastercard International's standard World benefit package including Zero Liability fraud protection and Mastercard ID Theft Protection. Specific coverages are set by Mastercard and can change — check your Guide to Benefits for current terms. | Once a year | — |
Questions people ask about the OnePay CashRewards Card
What is the annual fee on the OnePay CashRewards Card?
The OnePay CashRewards Card has no annual fee.
What does the OnePay CashRewards Card earn?
3x on walmart, 1.5x on other, and 1.5x on everything else, in Cash.
Does the OnePay CashRewards Card charge foreign transaction fees?
No — the OnePay CashRewards Card has no foreign transaction fee.
