OnePay (Walmart) Cash Back Card
Walmart's revamped rewards card through OnePay returns extra cash back on Walmart purchases and everyday spend, with no annual fee.
Why it ranks
- No annual fee
- Great for Walmart loyalists
- App-based management
What holds it back
- Best value only at Walmart
- Program terms still evolving
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
Walmart's revamped rewards card through OnePay returns extra cash back on Walmart purchases and everyday spend, with no annual fee.
OnePay (Walmart) Cash Back Card at a glance
| Issuer | Walmart / OnePay |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Promotional cash back for new members |
| Rewards rate | Elevated cash back on Walmart purchases (in store, online & fuel) plus a base rate elsewhere |
| Intro APR | None |
| Regular APR | Varies |
| Foreign transaction fee | Varies |
| Credit needed | Fair to Good (640+) |
| Best for | Regular Walmart shoppers |
| Airport lounge access | No |
Rewards & benefits
- Bonus on Walmart spend
- Managed in the OnePay app
- No annual fee
Eligibility & who it suits
- Fair-to-good credit
- OnePay app account
How to apply
Check current rates on Walmart / OnePay’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | W/Walmart / OnePayOnePay Walmart Cash BackNo annual fee · US OnePay (Walmart) Cash Back CardRegular Walmart shoppers |
None | Elevated cash back on Walmart purchases (in store, online & fuel) plus a base ra… | Promotional cash back for new members | Varies | Fair to Good (640+) | |
| 2 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 3 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 4 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.