OnePay CashRewards Card

Rewards by category

Our take

The OnePay CashRewards Card is built for households that already route most of their shopping through Walmart. It earns 3% at U.S. Walmart stores, Walmart.com, the Walmart app, and Walmart-branded gas stations, and that jumps to 5% when an active Walmart+ membership is linked to the card. Everything else earns a flat 1.5%, and there is no annual fee, so the cost of holding it is zero.

The fine print is manageable but real. The 5% tier only works if the Walmart+ membership is linked through the OnePay app with a matching email, and the elevated rate skips Sam's Club and third-party sellers inside Walmart or on Walmart.com; those purchases drop to the 1.5% base. On the plus side, rewards are straightforward cash: points redeem at a flat 1 cent each for a statement credit or a cash deposit.

In a small two-card setup, treat this one as the Walmart specialist rather than the everyday workhorse. The 1.5% base is a serviceable floor, it runs on the Mastercard network, and the absence of foreign transaction fees means it is not dead weight when you travel. The $35 cash back welcome bonus at account opening is a small, honest sweetener rather than the main event.

Store bonuses

• Walmart3%

Key benefits

• No annual fee
• No foreign transaction fees
• $35 cash back welcome bonus at account opening
• Points redeem for statement credit or cash deposit at 1 cent each

Common questions

Does OnePay CashRewards Card have an annual fee?

No — OnePay CashRewards Card has no annual fee.

What rewards does OnePay CashRewards Card earn on everything else?

1.5% on all other purchases, in Cash Back.

Does the OnePay CashRewards Card earn its Walmart rate at Sam's Club?

No. The elevated rate covers U.S. Walmart stores, Walmart.com, the Walmart app, and Walmart-branded gas stations, but it excludes Sam's Club and third-party merchants inside Walmart or on Walmart.com. Those purchases earn the 1.5% everywhere-else rate instead, so check who the actual seller is before counting on the bonus.

Is there a cap on how much the OnePay CashRewards Card earns at Walmart?

No, the Walmart rate has no earning caps, whether you earn 3% or the 5% Walmart+ tier. That matters for households that put groceries, gas at Walmart-branded stations, and online orders through Walmart every month: heavy spenders never hit a ceiling, so there is no need to ration purchases across cards.