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Synchrony OnePay CashRewards Mastercard vs Venmo Credit Card

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. Venmo Credit Card · Pay with Venmo 3.0% 3%
  2. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  3. Venmo Credit Card 1.0% 1% base rate

Dining

  1. Venmo Credit Card 3.0% 3%
  2. OnePay CashRewards Mastercard 1.5% 1.5% base rate

Groceries

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Gas

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Travel

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Online

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Drugstores

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Ground transportation

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Streaming

  1. Venmo Credit Card 3.0% 3%
  2. OnePay CashRewards Mastercard 1.5% 1.5% base rate

Entertainment

  1. Venmo Credit Card 3.0% 3%
  2. OnePay CashRewards Mastercard 1.5% 1.5% base rate

Wholesale clubs

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Amazon

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

PayPal

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Phone & internet

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Utilities

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Rent & mortgage

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Apple

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Department stores

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Electronics stores

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Furniture stores

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Clothing stores

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Sporting goods

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Home improvement

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Gyms

  1. Venmo Credit Card 3.0% 3%
  2. OnePay CashRewards Mastercard 1.5% 1.5% base rate

Shipping

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Advertising

  1. OnePay CashRewards Mastercard 1.5% 1.5% base rate
  2. Venmo Credit Card 1.0% 1% base rate

What the numbers are doing

Where they differ: Venmo Credit Card takes everything else, dining, streaming and entertainment, plus 1 more; OnePay CashRewards Mastercard takes groceries, gas, travel and online, plus 17 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseVenmo Credit Card · Pay with Venmo3.0%
DiningVenmo Credit Card3.0%
GroceriesOnePay CashRewards Mastercard1.5%
GasOnePay CashRewards Mastercard1.5%
TravelOnePay CashRewards Mastercard1.5%
OnlineOnePay CashRewards Mastercard1.5%
DrugstoresOnePay CashRewards Mastercard1.5%
Ground transportationOnePay CashRewards Mastercard1.5%
StreamingVenmo Credit Card3.0%
EntertainmentVenmo Credit Card3.0%
Wholesale clubsOnePay CashRewards Mastercard1.5%
AmazonOnePay CashRewards Mastercard1.5%
PayPalOnePay CashRewards Mastercard1.5%
Phone & internetOnePay CashRewards Mastercard1.5%
UtilitiesOnePay CashRewards Mastercard1.5%
Rent & mortgageOnePay CashRewards Mastercard1.5%
AppleOnePay CashRewards Mastercard1.5%
Department storesOnePay CashRewards Mastercard1.5%
Electronics storesOnePay CashRewards Mastercard1.5%
Furniture storesOnePay CashRewards Mastercard1.5%
Clothing storesOnePay CashRewards Mastercard1.5%
Sporting goodsOnePay CashRewards Mastercard1.5%
Home improvementOnePay CashRewards Mastercard1.5%
GymsVenmo Credit Card3.0%
ShippingOnePay CashRewards Mastercard1.5%
AdvertisingOnePay CashRewards Mastercard1.5%

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. Venmo Credit Card · Pay with Venmo — 3.0%
  2. OnePay CashRewards Mastercard — 1.5%
  3. Venmo Credit Card — 1.0%

Dining

  1. Venmo Credit Card — 3.0%
  2. OnePay CashRewards Mastercard — 1.5%

Groceries

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Gas

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Travel

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Online

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Drugstores

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Ground transportation

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Streaming

  1. Venmo Credit Card — 3.0%
  2. OnePay CashRewards Mastercard — 1.5%

Entertainment

  1. Venmo Credit Card — 3.0%
  2. OnePay CashRewards Mastercard — 1.5%

Wholesale clubs

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Amazon

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

PayPal

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Phone & internet

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Utilities

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Rent & mortgage

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Apple

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Department stores

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Electronics stores

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Furniture stores

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Clothing stores

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Sporting goods

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Home improvement

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Gyms

  1. Venmo Credit Card — 3.0%
  2. OnePay CashRewards Mastercard — 1.5%

Shipping

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%

Advertising

  1. OnePay CashRewards Mastercard — 1.5%
  2. Venmo Credit Card — 1.0%
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