OnePay CashRewards Credit Card
By Alex Compton · Last verified
Walmart's new house card: 5% back in-store and online with Walmart+.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
640+
(Fair-Good)
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 |
|---|---|---|---|---|
| 2026-06 | $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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xWalmart with Walmart+ membership
- 3xWalmart without Walmart+
- 1.5xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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