OnePay CashRewards World Mastercard® from Synchrony: annual fee, APR and rewards

Fact sheet for the OnePay CashRewards World Mastercard®, issued by Synchrony, with no annual fee and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Synchrony
Network	Mastercard
Annual fee	$0
Rewards	Cashback: Enjoy unlimited 3% cash back at Walmart (5% cash back for Walmart+ members), in-store and online. Earn 1.5% cash back on every day purchases everywhere else Mastercard is accepted.
Purchase APR	20.24% for Account Type 1 or 30.74% for Account Type 2 when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
Sign-up bonus	Welcome Bonus: Earn $35 cash back upon account opening. Plus, earn 3% cash back on all other purchases for your first 90 days upon account opening (limited time offer, apply between 9/2-12/31).
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 25.99%, with a range of 20.49% to 31.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.