Which card has a lower annual fee, Prime Visa or OnePay CashRewards Card?

The Prime Visa has no annual fee, compared to $0 for the OnePay CashRewards Card.

Which card earns more cash back, Prime Visa or OnePay CashRewards Card?

The Prime Visa earns 1.0% base cash back, while the OnePay CashRewards Card earns 1.5%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Prime Visa better than the OnePay CashRewards Card?

It depends on your spending. If you spend more on categories where the Prime Visa offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Prime Visa vs OnePay CashRewards Card: Which Card Wins for Your Spending?

Which earns more for you?

Flights

Hotels

Other travel

Dining

Groceries

Gas

Special categories

Everything else

Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.

Choosing between the Prime Visa (no annual fee) and the OnePay CashRewards Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Prime Visa earns more on dining and gas, OnePay CashRewards Card on groceries, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.

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Meet the Contenders

Prime Visa

Strongest in dining at 2%. 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.

Annual fee: None Sign-up bonus: $150 after $0 spend in 1 months Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

OnePay CashRewards Card

3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. Earns a solid 1.5% on everything else.

Annual fee: None Sign-up bonus: $35 after $0 spend in 1 months Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

Head-to-Head Comparison

Feature	Prime Visa	OnePay CashRewards Card
Annual Fee	$0	$0
Sign-Up Bonus	$150 after $0 spend in 1 months	$35 after $0 spend in 1 months
Foreign Transaction Fee	0%	0%
Base Reward Rate	1%	1.5%
Dining Rewards	2%	1.5%
Gas Rewards	2%	1.5%
Rates with conditions not counted in the rows above	5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%.	5% at Walmart with Walmart+ Earns 5% at Walmart only with a paid Walmart+ membership. Without it the rate is 3%, which is what the ranking uses.
Key Benefits	5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.	3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else.

The Verdict

Prime Visa pulls ahead for dining, gas spending.

OnePay CashRewards Card wins on travel, groceries.

Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.