Best Categories for This Card
3.00%
effective
Walmart
3x Cash Back
3% at Walmart and Walmart.com (5% with a Walmart+ membership)
1.50%
effective
All Other Purchases
1.5x Cash Back
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| WalmartMerchant | 3x | Ongoing | — | 3.00% |
Everywhere else | 1.5x | Ongoing | — | 1.50% |
Card details
- Network
- Mastercard
- Credit usually needed
- Good (about 670+)
- Last verified
- Oct 11, 2026
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit Synchrony’s official page for the most up-to-date terms straight from the issuer.
View on Synchrony’s siteThis link opens Synchrony’s website in a new tab. PayWithThis is not affiliated with Synchrony and receives no compensation for this link.