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 Target™ Mastercard® (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
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 NowStrongest in dining at 2%. 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | OnePay CashRewards Card | Target Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $35 after $0 spend in 1 months | None |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.5% | 1.0% |
| Dining Rewards | 1.5% | 2% |
| Gas Rewards | 1.5% | 2% |
| 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% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere. |
OnePay CashRewards Card pulls ahead for travel, groceries spending.
Target Mastercard wins on dining, gas.
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.