Synchrony
OnePay CashRewards
No annual fee · Earns Cash Back
A no-annual-fee Mastercard that earns 3% cash back at Walmart (5% for Walmart+ members) and 1.5% everywhere else. Suits frequent Walmart shoppers who want simple, uncapped rewards.
- 5%Everything Else
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
OnePay CashRewards at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Synchrony
- Rewards:
- Cash Back
OnePay CashRewards Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 1.5% |
Bonus category rates for this card are still being added.
Who Should Get the OnePay CashRewards?
The OnePay CashRewards fits people who want one flat rate: 1.5% on every purchase. It has no annual fee, so it costs nothing to keep.
Is the OnePay CashRewards Worth It?
The OnePay CashRewards has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
OnePay CashRewards Welcome Bonus
- Welcome Bonus$35
Get a $35 cash back welcome bonus when you open your account. It's awarded as OnePay Points, which you can redeem for cash back in the OnePay app. The bonus is for new cardmembers only.
Checked Oct 9, 2026
OnePay CashRewards Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the OnePay CashRewards. Its value comes from its rewards and other benefits on this page.
More OnePay CashRewards Card Benefits
Bonus Earnings
- 1.5% Cash Back on All Other Purchases1.5%
Earn 1.5% cash back on purchases outside Walmart. Use your card anywhere it's accepted. This rate starts after your first 90 days, when the introductory 3% rate on other purchases ends.
Checked Oct 9, 2026 - 3% Cash Back on All Other Purchases for First 90 Days3%
Earn 3% cash back on all purchases outside Walmart during your first 90 days. The rate applies automatically anywhere your card is accepted. After the 90 days end following account opening, the rate drops to 1.5%.
Checked Oct 9, 2026 - 5% Cash Back at Walmart for Walmart+ Members5%
Earn 5% cash back on Walmart purchases with no earning cap if you're a Walmart+ member. Just pay with your OnePay CashRewards card. Without a Walmart+ membership, you earn 3% at Walmart instead.
Checked Oct 9, 2026 - OnePay Boosts Bonus Rewards
Get limited-time offers for extra cash back and other perks through OnePay Boosts. Find current offers in the OnePay app and check back often. Each Boost is available only for a limited time, so use it before it expires.
Checked Oct 9, 2026
Fees & Miscellaneous
- Flexible Cash Back Redemption
Your rewards are earned as OnePay Points, each worth one cent. Redeem them as a statement credit or as a deposit into a OnePay Cash account, then spend that money anywhere, not only at Walmart.
Checked Oct 9, 2026 - Free Credit Score
Check your credit score for free in the OnePay app with OnePay Credit Score. You get real-time updates and deeper insights into your credit. Open the app anytime to see where you stand.
Checked Oct 9, 2026 - No Annual Fee
Pay no annual fee to hold this card. You can keep your account open and earn cash back without a yearly charge. Other card costs, such as interest on a balance you carry, may still apply.
Checked Oct 9, 2026
OnePay CashRewards vs Other Synchrony Cards
- CareCreditNo annual fee
- PayPal CashbackNo annual fee
- Virgin Red Rewards$99 / yr
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OnePay CashRewards FAQs
What is the OnePay CashRewards annual fee?
No annual fee