Synchrony Bank Cash Rewards Mastercard
Basic Information
Program ID: onepay-cashrewards-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:08
Last Scraped: 01/15/2026 13:10
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Rotating Categories (e.g., Gas Stations, Grocery Stores, Online Shopping, Drugstores, Home Improvement Stores), 2x on everyday purchases (e.g., Dining, Travel), 1x on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash rewards do not expire as long as the account is open and in good standing.
Transfer Partners: N/A - Cash back cards typically do not offer transfer partners.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the OnePay Cash Rewards Card offers a tiered cash back structure: 3% cash back on eligible OnePay ecosystem purchases (online and in-store), 2% on gas and groceries, and 1% on all other eligible purchases. New cardholders receive a $200 cash bonus after spending $1,500 in the first 3 months of account opening. Eligibility requirements include being 18 years or older (19 in AL/NE), a US resident with a valid SSN or ITIN, and possessing good to excellent credit (typically FICO score 670+). Approval is subject to Synchrony's credit underwriting standards, including income verification and existing credit relationships.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking, high cumulative credit limit across Synchrony products, repeated balance transfers without new spend, non-payment, sudden large purchases inconsistent with spending history, bust-out fraud, or violation of cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Flexible financing options for home-related purchases, easy to get approved for promotional offers.
Top Negative Feedback:
High deferred interest if not paid in full, limited use outside partner stores, customer service can be slow.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Rewards Credit Card
- Chase Freedom Unlimited
- Lowe's Advantage Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $40.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 5% General / 95% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 70.0%
Terms Version Control
Version ID: v1.0