THE CARDTUNED DATABASE
OnePay CashRewards Card
Issuer: Synchrony · Network: Mastercard
5% back at Walmart for Walmart+ members or 3% without Walmart+; 3% on non-Walmart purchases for the first 90 days under the limited-time offer, then 1.5% elsewhere
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR listed; verify the current rates-and-fees disclosure.
- Regular APR
- Variable purchase APR; exact approved rate is disclosed in the live application.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
3% outside Walmart for 90 days (apply by 12/31/26)
- Spending requirement
- Eligible non-Walmart purchases
- Time window
- First 90 days; applications 2026-09-02 through 2026-12-31
- Published end date
- 2026-12-31
Offer last checked: 2026-09-29
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | back at Walmart for Walmart+ members or 3% without Walmart+ |
| Eligible purchases | 3% | on non-Walmart purchases for the first 90 days under the limited-time offer, then 1.5% elsewhere |
Additional benefits
• $75 welcome bonus upon account opening
Restrictions to know
The $75 bonus requires application by September 30, 2026 and is awarded as OnePay points; account must remain open and in good standing. The 90-day 3% non-Walmart offer requires application by December 31, 2026. Applicants not approved for CashRewards may receive the closed-loop Walmart Spend Card.
Who can apply
Subject to Synchrony credit approval and identity verification; a OnePay account is required to manage card rewards and features.
Credit profile: Issuer underwriting applies; no universal public score cutoff