OnePay CashRewards Credit Card
By Alex Compton · Last verified
Walmart's new house card: 5% back in-store and online with Walmart+.
Welcome Bonus
$35
≈$35 value
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
640+
(Fair-Good)
Current offer note: $35 cash back upon account opening; plus 3% cash back on all purchases for the first 90 days for applications from 9/2 to 12/31/2026
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $35 | No recorded spend | Spend: $75 → $0 · Window: 1 month → 0 months$35 cash back upon account opening; plus 3% cash back on all purchases for the first 90 days for applications from 9/2 to 12/31/2026 | OnePay CashRewards Card product page → |
| 2026-06 | $35 | $75 in 1 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2026-04 | $35 | $75 in 1 mo | Earliest recordPublic launch of the OnePay and Synchrony program | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Welcome bonus is now $35 at account opening with no spend requirement, plus 3% on everything for 90 days for applications through 12/31/2026; 5%/3%/1.5% earning, $0 fee and Synchrony issuer confirmed.
Fields: spend, months, offerNote, applyUrl
OnePay CashRewards Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xWalmart with Walmart+ membership
- 3xWalmart without Walmart+
- 1.5xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Managed entirely inside the OnePay app
- ✦General-purpose Mastercard accepted everywhere; applicants who do not pre-qualify are considered for the Walmart-only Spend Card
- ✦Targeted promos like 3% on all purchases for direct deposit customers
Why it earns its spot
- +5% at Walmart including groceries is elite for a no-fee card
- +Synchrony underwriting is forgiving for average credit
- +$35 welcome bonus at account opening plus 3% on everything for the first 90 days
Where it costs you
- −1.5% everywhere else is below the 2% flat-rate bar
- −Top rate requires a paid Walmart+ membership
- −OnePay app-only servicing will annoy traditional bank customers
The Compound Verdict
This is the Capital One Walmart card's successor with better rates and a fintech wrapper. Walmart+ households effectively get 5% on groceries, which no mainstream grocery card matches. Keep it as a Walmart specialist and pair it with a real 2% card for everything else.
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