OnePay Credit Card

Synchrony Pending

Back Apply Now

11

Benefits

3

Reward Categories

3x

Max Reward

29.2%

APR From
Basic Information
PENDING

Program ID: onepay-walmart-credit-card

Issuer: Synchrony

Card Name: OnePay Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 15:29

Last Scraped: Feb 17, 2026 15:31

Home URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Walmart.com Purchases 3x Cash Back Earn 3% cash back on Walmart.com purchases, including pickup and delivery. No Cap
Walmart In-Store, Gas & Dining 2x Cash Back Earn 2% cash back on Walmart purchases in stores, at Walmart & Murphy USA gas stations, and on restaurant purchases. No Cap
All Other Purchases 1x Cash Back Earn 1% cash back on all other purchases. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 2x

Bonus Rate: 5x

Categories: 5% on Walmart.com purchases (including pickup & delivery), 2% on in-store Walmart purchases

Quarterly Rotating: No

Expiration Policy: Rewards expire 5 years from the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards can only be redeemed for purchases at Walmart stores or Walmart.com.

Benefits & Protections (Detailed) 11 Total
PENDING
Airport Access 1
Mastercard Airport Concierge™
Access to concierge service

Access to a personal, dedicated meet and greet service at over 450 airports worldwide. While the service itself may incur a fee, access to the service is a benefit.

Dining 1
Restaurant Rewards
2% back

Earn 2% back in rewards on eligible restaurant purchases.

Financial 1
No Annual Fee
$0

The credit card has no annual fee, saving cardholders money each year.

Lifestyle 1
Priceless Cities®
Access to exclusive experiences

Provides access to unique experiences and offers in cities around the world, curated exclusively for Mastercard cardholders.

Security 2
Mastercard Zero Liability Protection
Full protection

Protects cardholders from unauthorized purchases made with their card. Cardholders are not held responsible for fraudulent charges.

Mastercard ID Theft Protection™
Assistance services

Provides identity theft resolution services, including monitoring for suspicious activity and assistance with restoring identity if theft occurs.

Shopping 3
Walmart.com Rewards
5% back

Earn 5% back in rewards on all purchases made at Walmart.com, including pickup and delivery orders.

In-Store Walmart Rewards
2% back

Earn 2% back in rewards on purchases made in-store at Walmart locations, Walmart Fuel Stations, and Murphy USA.

Everyday Rewards
1% back

Earn 1% back in rewards on all other eligible purchases where Mastercard is accepted.

Travel 1
Travel Rewards
2% back

Earn 2% back in rewards on eligible travel purchases.

Travel Insurance 1
Mastercard Global Service™
Emergency assistance

Provides emergency assistance services for cardholders worldwide, including emergency card replacement and cash advance.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.24% - 29.24%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
300 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Application for the onepay-walmart-credit-card (Synchrony) in 2026 requires applicants to be at least 18 years of age (19 in AL/NE), a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate sufficient verifiable income to meet payment obligations. An acceptable credit history is required, though store cards may have more lenient approval criteria than general-purpose credit cards. Applicants must not have an active bankruptcy. Bonus Rule (2026 Projection): New cardholders may receive a statement credit (e.g., $50-$100) after spending a specified amount (e.g., $250-$500) within the first 90 days of account opening. This bonus is typically available only once per lifetime or per a long cool-down period (e.g., 24 months) for the same product.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS), excessive credit seeking (multiple applications across Synchrony products in a short period), high cumulative credit limit across all Synchrony accounts relative to income, suspicious spending patterns inconsistent with typical consumer behavior, frequent returns or abuse of return policies, late payments or defaults on any Synchrony-issued account, or suspected fraud.

Cliff Effect Rules: The onepay-walmart-credit-card is typically a standalone store card product. There are generally no complex 'card family' rules or upgrade/downgrade paths that create a 'cliff effect' as seen with premium travel cards. However, applying for the same specific Walmart store card product multiple times within a short period (e.g., 24 months) after receiving a bonus may result in application denial or bonus forfeiture. This card is distinct from the Capital One Walmart Rewards Mastercard and does not share family rules with it.

Special Events: Walmart's major sales events, including Black Friday, Cyber Monday, Back-to-School sales, Holiday Savings events, seasonal clearances (e.g., Spring, Summer), and potentially exclusive cardholder-only discount days or early access to sales.

Holiday Promos: New Year's Day, Valentine's Day, Easter, Mother's Day, Father's Day, Memorial Day, Independence Day, Labor Day, Halloween, Thanksgiving (leading into Black Friday), Christmas, and New Year's Eve.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Strong rewards on Walmart purchases, especially with Walmart Pay, and accessible for fair credit scores. Useful for frequent Walmart shoppers.

Top Negative:
High APR and limited rewards outside of Walmart, with some users reporting customer service challenges and difficulty managing the high interest.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Target RedCard
  • Amazon Prime Rewards Visa Signature Card
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 78.0 / 100

Est. Annual Rewards: $200.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0