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 OnePay CashRewards Card (no annual fee) and the REI Co-op® Mastercard® (no annual fee) comes down to where you spend most. Neither card has an annual fee, and they earn the same in every category we compare. Enter your monthly spending above to see which comes out ahead for you.
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.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | OnePay CashRewards Card | REI Co-op Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $35 after $0 spend in 1 months | $100 after $1 spend in 2 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.5% | 1.5% |
| Rates with conditions not counted in the rows above |
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. |
None |
| Key Benefits | 3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. | 5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. |
These cards are closely matched across categories, so the winner comes down to your specific spending mix.
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.