The OneTravel cards are issued by Synchrony Bank. When you apply for the card, the bank will decide which card you qualify. Depending on the card type your interest rate will also vary. Thus, if you are issued the OneTravel Credit Card, your interest rate will be 27.49%. If you are given the OneTravel Visa® Credit Card, the interest will be 26.49%. And if you are approved for the OneTravel Visa Signature® Credit Card, your interest rate will be either 26.49% or 16.49%. This APR will vary with the market based on the Prime Rate.