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Synchrony OnePay CashRewards Mastercard vs Sam's Club Mastercard

Both are Synchrony cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Sam's Club Mastercard 1.0% 1% base rate

Dining

  1. Sam's Club Mastercard 3.0% 3%
  2. OnePay CashRewards Mastercard 1.5% 1.5% base rate

Gas

  1. Sam's Club Mastercard 5.0% 5%, capped
  2. OnePay CashRewards Mastercard 1.5% 1.5% base rate

Wholesale clubs

  1. Sam's Club Mastercard 3.0% 3%
  2. OnePay CashRewards Mastercard 1.5% 1.5% base rate

What the numbers are doing

Sam's Club Mastercard's 5% on gas runs out: it applies to the first $6,000 of gas spend a year, and everything past that earns 1%.

Where they differ: OnePay CashRewards Mastercard takes everything else; Sam's Club Mastercard takes dining, gas and wholesale clubs.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseOnePay CashRewards Mastercard1.5%
DiningSam's Club Mastercard3.0%
GasSam's Club Mastercard5.0%
Wholesale clubsSam's Club Mastercard3.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. OnePay CashRewards Mastercard — 1.5%
  2. Sam's Club Mastercard — 1.0%

Dining

  1. Sam's Club Mastercard — 3.0%
  2. OnePay CashRewards Mastercard — 1.5%

Gas

  1. Sam's Club Mastercard — 5.0%
  2. OnePay CashRewards Mastercard — 1.5%

Wholesale clubs

  1. Sam's Club Mastercard — 3.0%
  2. OnePay CashRewards Mastercard — 1.5%
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