MastercardOnePay CashRewards Credit Card
Walmart's new house card: 5% back in-store and online with Walmart+.
Welcome Bonus
$35
≈$35 value
Spend Requirement
$75
in 1 months
Annual Fee
$0
No FTF
Credit Score
640+
(Fair-Good)
Current offer note: $35 back after $75 spend in the first 30 days
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
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, plus a store-only version
- ✦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
- +Tiny $75 spend unlocks the welcome bonus
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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